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Quick Q on Amex Platinum cash back.
Dear All After the initial 5% period it says we get 1.5% cashback if we spend over 10000 on the card annually, with lower rates below that. So if we spend 10001 pounds on the card annually do we get 1.5% on the whole 10001 or just on the £1 and the lower tiered rates on the rest? Hope you catch my drift! Cheers
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And I thought I'd already seen a bad APR.....
Got this in an email today - The new freemans card is nothing short of shocking! :mad: 39.9%!!!!!!!!! The bloke must be in the picture to order it for her whilst she sleeps, because I cant see any other reason for her to order one!
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Company knows my NEW debit card details when I haven't told them
I renew my contents insurance with Direct Line each December using my debit card. In the summer I had to change my debit card for security reasons - new numbers, dates etc.. On the renewal form Direct Line say I need do nothing and add that the payment will be taken using my debit card, quoting the last four digits of my…
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Credit Card Account Cancelling
I have five credit cards, with about £25k available. I will never need this amount of credit, i have five cards as i took advantage of cheap balance transfer deals over the last six or seven years. I now only need one card so can i just ring up and cancel these unwanted accounts with these companies? I have heard they are…
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Abbey Credit Card
Hi all, Has anyone on here paid their Abbey credit card bill by cheque in an Abbey branch? I paid last sat, shows on online banking as paid on sat, however apparently the cheque still hasn't cleared, this is the 5th working day. Called up Abbey C/S to be told they can take up to 10 working days!?! Can anyone comment on how…
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Help! Credit Card Interest .. Novice!
I have had credit cards for years, but always paid them off in full each month. I got married at the end of October and failed to juggle sufficient cash in time to pay our credit card in the usual way. Our bill was £2,800, I paid £2,000 before the due date and the balance 4 days after the due date. I assumed I would only…
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Firect Direct- How many digits?
I am trying to process a credit card transaction at work but the customer has given us 18 digits i thought Amex was the only company to have more than 16. Can anyone let me know how many digits it has on a First Direct credit card please? Btw i only happen to know its First Direct because the customer is elderley and when…
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credit card insurance
Evening all I've just received a renewal notice on my Natwest card protection policy for £35. I mainly need this for fraud protection because I'm self employed but I'm thinking of switching cards and I'm not sure if it would cover other cards. Are there any policies independent of the card provider? Am I covered against…
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£2.5k on HSBC - Charging us 24.9% - Help
Hi all, Been using this site for a long time and now I need some good advice from you all. Situation - Got a baby due in 4 months and just moved into a new house. Girlfriend has moved in and we are trying to get our finances in order so that when the baby comes our payments on loans etc are managable. I have sorted…
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Section 75 Credit Consumer Act
Hi, am having trouble getting a refund from Halifax Credit Card.. Have purchased a flight with XL that went bust recently, had only paid the deposit and I am under the understanding that I am entitled to a full refund for the full flight even though I only paid the deposit. They tell me today that i was only entitled to…
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Lowish income, 0% balance transfer.
Hi there.I currently earn about £8500 a year, and would like to balance transfer to a new credit card at 0%. What I have noticed though, is that many companies now set a minimum earning level:mad: , and they are all way over what I earn. Is there any way of me getting round this, or is there a card out there that will…
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Unsecured lending
Hi everyone I would like some advice. I have had some problems over the past few years and subsequently owe lots of money to credit cards and a defaulted loan. As none of these are secured so do these companys have the legal right to say that they will send bayliffs around to my house to remove goods or are they bluffing…
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Barclaycard - change in cashback
I've had an ongoing complaint with barclaycard that I wondered whether any members had a view on. My cashback card was originally with Morgan Stanley. Cashback was paid by cheque on the card anniversary. As I used this for about £40k of work expenses per year, this should have been a nice tax free bonus coming up to…
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MBNA transferring fraud liability to me!?
Hi there, I'd like some help, as I've got myself into a difficult situation with MBNA. In September, some fraudulent transactions were put onto my account. I saw these on my statement and I immediately challenged them. I noticed them immediately, as the card was one that I use for balance transfers, and I actually should…
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Amex Platinum Application....
Hi, I applied for the Amex Platinum Credit Card, but was not given an instant decision and got mail saying I would have answer within next few days. Has anyone had that kind of reply before but was still accepted? does not sound too good to me.... Thanks
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Late Payment Fee - Advice Please
I have a 'Brantano' Card which I normally use for shoe purchases (my son has size 14 feet and I can order them in through Brantano). I never make the 'minimum payment' and normally pay for any purchases over two months after the purchase. I have had this card for 4 years or so and never made a late payment. In October my…
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MBNA Abbey Credit Card late payment charge plus interest
I recently paid my Abbey Credit Card (MBNA) balance off in full but one day late. I have been charged £12 late payment fee plus £75.83 interest charge. I have contested this with a supervisor (Rory) at MBNA and he, after negotiation, has agreed to reeimburse me £50 off the interest change. However, I'm still having to pay…
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Balance Transfer queries (clueless)
Hi, I'm pretty clueless with these types of things and can't find the answers elsewhere so hopefully one of you kind folk might be able to help me? I have 2 credit cards (First Direct VISA (3 years) & Barclaycard VISA (1 month) I owe money on the FDV but am in credit on the BCV (thanks to betting wins) I can't use the BCV…
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How Much To Avoid Interest
I got my first ever credit card recently so just after some advice please, It's a virgin card and on december 4th I did a transfer of £3000 into my current account and have been charged £89.40 (2.98% fee). I understand that the minimum payment is £25 but should I pay the £89.40 aswell as £25 and when should I do this? I…
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Surcharges for Payment by CC
I have recently been booking a holiday for a special family occasion next year and have tried to pay as much as possible by credit card in order to get the additional protection for my payments. However I have been shocked by the number of travel agents, hotels and other travel companies who are now charging a surcharge…
