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Barclaycard Platinum with Cashback
With the demise of the GM Card and its 3% food and fuel cash-back this looks like the only alternative if used for food and fuel transactions only giving 2% cash-back on supermarket and petrol (up to £15 per month) so that's a spend of £750 and 0.5% cash-back on all other spending. Before i start the online sign-up does…
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What To Do With Old Cash-Back Cards?
I've just been accepted for the Capital One cashback. I currently use Morgan Stanley platinium which pays 1% on first £2500 each year and 0.5% for the rest of the year; and an Amex blue which pays 0.5% on first £3500 and 1% on everything thereafter. I probably spend about £15k on credit cards per year. So question is,…
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Goldfish
Thinking of moving my Halifax balance - anyone now the interest rate on this???? it's shocking Is Goldfish linked with Halifax at all? If so i'll have to look elsewhere.
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How to increase Credit Card Limit
What do banks base their decisions on when you ask for an increase on your exisitng credit card? I have no missed payments ever and a very good conduct of all my accounts. Thanks.
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Understanding 0% Purchases on CC
Hello All, I was wondering if you could help with understanding the 0% Purchases on the Halifax card for example. I'm thinking of getting a new car (used) and paying 50% cash/cheque and 50% on credit card (hopefully the halifax 0% purchases for 12 months card). Am i right in thinking that if I put £3000 (assuming thats the…
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0% expiring - new card lower limit
My 0% rate on my Virgin card expires in a month, with £3,500 still on it. The interest will then be 29.9%. So I applied for the RBS CC yesterday with 0% balance transfer and filled in an immediate balance transfer online for the £3,500. But they only gave me a credit limit of £2000. Does anyone know if the remaining £1,500…
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Credit Card Charges - Who is at fault
I had a letter off my credit card company (Nationwide) last month saying that if I did not use my card soon they would close the account as I had not used it for over a year. I duly used it and received my statement. The statement said that the full balance would be claimed by direct debit. This morning I get a phone call…
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Garages that accept AMEX
Don't suppose anyone knows of a nationwide (or Leicester based) garage that would accept AMEX for doing a service and MOT. My car is in deperate need of repair but I can't find anywhere that will take my AMEX card to cover the cost of the MOT, service and additional repairs. Thanks in advance!
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Virgin Credit Card Query
Hi, I applied for a virgin cc via a link in of the MSE threads a few months ago that gave offered £20 virgin megastore voucher - has anyone had any difficulty in obtaining this voucher? They don't give it to me for some reason even though I went via the link? Also, if you shop in virgin megastores, don't they give 10%…
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GE Money card
Following advice from here I signed up to the GE Money card which gives a very useful 3% cashback on petrol and food shopping. Or at least it did! Had a letter yesterday saying that the card will be discontinued from 14 November. Oh, well, it was good while it lasted! Any other offers out there?
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WHICH? - Customers Fail to Shield PINs.
The latest from WHICH? assumes PINs are being captured at ATM’s, when, in fact probably more PINs are captured at retailers, especially garages Surely WHICH? formerly the consumers association should be asking questions of the Banking Industry on the consumers behalf: Why are PIN entry devices in shops and garages not…
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Help!!!
Dear Sir/madam, I have creditors writing to me for money i do not owe. I would like to write to them to tell them that i do not owe this debt but i do not know how to write it or explain it. If there is an template or anything i could use to write to these creditors about monies i do not owe that would be much appreicated.…
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0% Purchases Card
Hi all, Im in the need for a 0% purchases card asap, have some bills i need to pay before i go on holiday in two weeks.... forgot about them till now :( I was wondering what peoples experiences have been with the Halifax One card and application times? Am i too late? Cheers Ant
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Advice please
Hi all, wondered if someone could give me some advice, not sure if I am in the right place. My boyfriend has been having problems with a new lloydstsb card, everytime he puts it into a ATM which is not a lloyds and tried to withdraw it has said unable to process this transaction. On recieving his bank statement, the money…
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Urgent Help Needed Please!!!
Hi im new to this site and would like some advice and help as im trying to save my gf from the Lloyds TSB seriously doing her over her student account as she has gone over her authorised limit of -£1,500.00. In may she went over her limit for about 2 weeks and then she got back under her limit and got slapped with a £60…
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Reducing credit limit damaging chances of credit??
Hi all! I'm finally living within my means and have 4 credit cards left to pay off. I don't make any purchases on any of them. One has quite a hefty balance on it and the other 3 have "low lifetime APR" deals on them. My current system to pay these off involves paying the minimum balance on all cards each month, and then…
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Need a Credit Card
Hi I need a credit card for the UK but I live in France, I have a UK bank account, I have no trouble with credit ratings. They used to want to throw them at me before I moved to France.
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Paying off 0% Credit Card before Offer Ends
Hi Everyone, I used to be a regular lurker on this thread, but haven't visited for a while and am after some advice! I have a Halifax One credit card which comes to the end of 0% on 5th October. Naturally, I want to pay the balance at the latest possible date before any interest will be charged. My statement date is…
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GE Money scamming me out of money and now they destroy my credit rating
about 5 years ago my card was used frauduantly while I worked abroad, it was a topman card and they went to spend about £200 in 3 seperate transactions. I found out about this when I returned fromw orking abroad, and promptly phoned them up. They said they had to trace me and demanded I pay the money back now, I told them…
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Cancelling Lost LLoyds TSB Credit Card From Abroad can be costly!
Hi all here's a cautionary tale. I rather foolishly lost my wallet whilst travelling to Barcelona. Having realised this, once I got to my hotel I immediately set about cancelling my cards, being a bit of a Bal transfer tart I had three cards to cancel. Both Barclays and RBS answered my call and cancelled my card within 5…
