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Prepaid cards for a charity [Merged]
Hi For years our charity has been using two Equals prepaid cards to purchase stuff abroad. We used Equals because they waived the fees for charities. Today they have ceased the waiver and will charge £25 per month. So please advise me on an alternative company which can provide two prepaid cards without such a huge fee. A…
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Barclaycard Balance not adding up correctly on app
A strange one this. I still use Microsoft Money for my accounting, so I can get an up-to-date view of my finances. All has been balancing fine against the official log on the site for years now, but I have noticed a difference of £34.62 for a couple of weeks now. This just happens to be exactly the same amount as a…
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Credit card and debit card for travelling
hi I’m not a terribly experienced traveller and was wondering - is it best to just have a debit card (I have a starling card) or a debit card and credit card (which I would have to apply for) to travel with? Thank you.
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American Express (Amex) Preferred Rewards Gold
In the blurb about the benefits of this card it says that the £5k doesn't have to a cash spend but could be a balance transfer. Where does it say this in the Ts&Cs and also does a balance transfer not incure a fee of 3% which eats into the benefits?
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AMEX Eligibility - Cashback Everyday Credit Card
I've been thinking for a while that an AMEX card would be useful and we need to pay for our new sofa soon so I thought the introductory offer (5% cashback) would be helpful. I used the AMEX eligibility checker and it indicated a negative response. I think because the salary I entered was too low compared to the AMEX…
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NatWest 0% Balance Transfer Incentive and HooYu Video Identification Process.
Martin's recent headline is: New! NatWest 33-month 0% debt shift FOR ANYONE. I imagine thouands of people will be applying, but no one realises what's in store for them. I just applied, got accepted by NatWest and then was asked to follow a process of identification by a company called HooYu. They wanted to take a video of…
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Money transfer from existing credit card account
First off, I’m in the lucky position of not needing to do this, as I have savings. And I fully understand the argument/question of “why bother then”? But I have expenditure coming up and am one of those who likes the ‘comfort’ of a cash balance. However, with that out if the way - does anyone know if I were to accept a…
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Can we do this to switch to Amex Nectar and still get the new customer bonus?
Hey all, We've been using an Amex card for our standard spending for years (paying in full each month of course), and have noticed the cashback rate getting worse and worse as time goes on. Meanwhile we've just spotted the Amex Nectar card with its 20,000 point bonus for new customers and, as we do our grocery shop at…
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Fast delivery for replacement Credit Card
Hi All I have recently had the need to replace a Credit Card, the fastest delivery the company can offer is 5-7 days by Royal Mail 2nd Class! Hence I'm looking for a Credit Card that can offer 2-3 days guaranteed replacement delivery. Thank you
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is 0% balance transfer cheaper than my current daily card?
I have a Cap 1 card with the following rates: Purchases interest is 30.34%, Cash withdrawals is 30.34%, Balance transfers is 30.34% Of course I'm aware it's a crap rate and I'm trying to improve my rating. If I do a balance transfer on a 0% transfer card, will my payments be cheaper? so that would mean instead of paying…
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Section 75 claim advise
Hello, Have timeline as below. I feel like the bank is going around in circles and putting the onus on me to reach a resolution. In brief sofa's delivered May 25 purchased from high street furniture store. Reported a fault by email and personal visit same day. That began a long process with no help from trader so made…
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A company called Newday started a direct debit for £0, not sure why.
Hey everyone, Like the title says; a company called Newday has started a direct debit for £0.on my father's Barclays account. He received a text message and email from Barlcays which I then confirmed by looking at the direct debit on the banking app. The company seems to handle credit for businesses so I'm guessing it has…
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Purchase Cards
I have two new credit cards for purchases, an M&S (about 12m) plus Lloyds (about 22m). I am just about to max them both out. Would I be right in thinking once I make the min payment for each of those cards I can then spend again on them to the limit and basically keep them maxed out till the interest free period ends? I…
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Additional cardholder unable to make purchases with Barclaycard due to online verification
It's bonkers. My other half is the main cardholder. In order to make an online purchase I need to either receive a code by text (OH mobile number, they can only have 1 mobile number for verification texts) or in the Barclaycard app (only main cardholders can log in so as an additional cardholder I can't use this). Going to…
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How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
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Chargeback Advice
Hello All, In May 2022 I sucessfully submitted a chargeback via Tesco Credit Card (Mastercard) against a car hire company in Italy. The company wrongly billed me for damage I didn't create and I had photographic / email proof of this and the fact informed them. The claim was successful and the money refunded. I heard…
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Transferred balance, should I reduce credit limit?
Hi, I've just applied and been accepted for a zero per cent (Virgin) balance transfer card, transferring £8000 and leaving my existing (MBNA) card with next to nothing on it. I'd like to keep that existing MBNA card for day to day purchases, leaving the balance transfer Virgin card with only the zero per cent balance to be…
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BT but not enough clearance
Hi looking for some advice please. Have £6500 on a credit card from a kitchen purchase. When I applied I requested £8k I think it was, but they gave me £6500. I'm coming to the end of the card's promo period and so wanted to BT. I picked HSBC from MSE long period deals, and the eligibility checks were fine. Card came…
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Lloyds - section 75
Hi, I ordered wall panels online and paid via my Lloyds Credit card. The panel I received was not the one shown on there website. I tried to return but the retailer said there will be £40 return charge. I contacted Lloyds and filed Section 75 case. Lloyds rang me and confirmed the item is not the same. They told me to…
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MBNA Balance Transfer and Tesco cashback question.
We do a lot of stoozing and avoid paying any interest by paying off the balance transfer in full before the end of the promotion period and by avoiding mixing purchases and balance transfers on the same card. I have an MBNA card that I used solely for a balance transfer and paid off in full about 2 years ago and haven't…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
