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Best credit card to use abroad?
Hi there, I'm new to this so I'm sorry if this topic has already been covered! I'm going to Thailand and Cambodia for 5 weeks backpacking this summer, and I don't want to have to carry the cash around with me for obvious reasons! I have read the topic on the best travel credit cards on the money saving expert website but…
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Balance Transfers.. How do they work?
Hi people. I would like some advice on how balance transfers work. I have had a Lloyds TSB Advanced credit card for 4 months, which was 0% when I got it in February, so In August the APR will kick in. It was a set maximum of £1,750 and there is £1,300 left to pay. Do I just apply for another 0% credit card with another…
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withdrawing cash using American Express
Hi, I have an American Express cashback card. I was going to buy some holiday money for my cashpassport card but travelex don't accept it. Can't I just withdraw the money in cash using the card and do it that way? Would it still be treated as a withdrawal (ie. I still get the 5% cashback)? Would this be wiped out by any…
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Balance transfers
I have a Barclaycard Platinum and the Nationwide gold credit card. I did a balance transfer from the N'wide to the Barclaycard as the latter has 20 months 0%. I also have a 0% interest hire purchase on something with about 6 months left, and i'm thinking of paying it off early with the N'wide card and doing amother balance…
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Egg and Barclaycard: How far have they gone?
Hello. Just a Quick Q - I have just opened a Barclaycard for the first time. I still have an Egg card and they have yet to fully merge the Egg accounts into BC as yet, I presume, but at the moment could I do a BT from Egg to Barclaycard - or have they gone too far and already merged the files et al. - making the transfer…
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How to clear overdraft using interest free c card
I've managed to get a good 0% transfer card and am wondering how to try to clear my overdraft using it. I dont think I can just transfer it straight over so is it possible to withdraw cash using old credit card at cashpoint, use that cash to pay off overdraft and then transfer the balance of the c card to the o% one? any…
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Refused a 0% balance credit card
Hi, I was reading up about the best 0% balance transfer credit cards and as I have quite a high debt on one (£7,800) which I am paying £160 in just interest alone each month figured I would get it transfered over so I can really hammer this debt down! I applied for the BarclayCard Platinum one - 0% for 20 months and was…
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HSBC Credit Card limit upping declined
Hi Guys, I've just been declined an increase in my Credit Card limit due to, what they called, 'insufficient card use'. Is this going to affect my credit rating in the long run? I only wanted to up the limit in the first place to be able to increase my credit rating as we're looking to get a mortgage at some point soon.…
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Halifax reward credit card Interest error
Did anyone else get a letter advising there has been a error charging interest and then the refund has been applied. Good of them to refund it, however I have never paid interest on this account, sou would appear I'm £3 odd better off!
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Debenhams store card
Can you pay off the balance of a debenhams store card using gift cards? Just typed a stitherum about why I'd like to do so and then lost the post!
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Intrest on Credit cards.. Bad Credit HELP!
Hello Forum! Im a newcomer, although I have been in debt for sometime now. Im currently in an IVA which is coming to an end soon. During my crazy time (the time of me getting into debt) I ran up a joint credit card (joint with my mother) also my mums credit card. My mum is very soft.. bless her and blames herself lots.…
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Is repayment cover another name for ppi?
Hi Just a quick question, i took out a credit card with the Halifax, at the end of 2001. I never took much notice of the PPI claims going on as i never took one out and it was never mentioned. I did take out a card protection scheme with them which i payed once a year and cancelled last year. I have now noticed amongst my…
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MBNA - Lost Card
Hi, I've had to report my credit card lost, will my direct debit be cancelled or will it go out as usual? I ask because it's due to be paid this week and dont want to miss the payment date if they cancel the direct debit along with the card. Thanks
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Pre-pay cards
I'm being lazy now as I could found out this by 'searching etc' but it'll be quicker asking the troops. All the recent snags with I'net shopping etc has made me more wary and I think a pre-pay card will sort it. Who is the best ?? and any pitfalls ?? Thanks
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Lost In The Post?
Sent a copy of my passport and a bank statement to Capital One last Monday, phoned up today to check they got them and they said they haven't yet. Thinking about phoning them again Wednesday and asking...it was a First Class envelope for goodness sake.. What would you do?
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Cancelling Tesco Clubcard Credit Card?
I've looked all over their website & either i'm missing it, or in order to cancel, you'll need to phone them. No problem if i have to phone them. What is a problem is being put on hold for half a day on an 0845 number only to be told there's some sort of early cancellation fee or such like. To give as much info as i can…
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Keeping old cards
Hi guys, I realise this is a popular topic and I've searched the forum for about an hour trying to find out what I want to know but strangely I can't find anything :eek: Basically I have 2 credit cards and recently got approved for a third. I've cleared the balance on the two existing cards via balance transfer to the new…
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My name and my companies' name on the credit card
Hi, I have a credit card which in the area designated for the cardholder's name has written both my first and last name and below my company's name. It looks similar to this one: http://www.ridemocrats.org/images/ridp_mastercard.gif I was wondering if this is a problem with merchants?
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Allocation of payments warning for Balance Transfers
OH recently transferred balance to Santander Zero card and was on holiday just after the transfer and spent around £750. Thinking I was being smart, when I got home I paid this thinking payment allocation goes to most expensive debt first so would avoid interest on this and just have the 0% running as only use this card…
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Card Protection Plans
I could not find any guidance on protection plans on MSE. CPP has just hiked my renewal premium to £39.99 which is all but identical to Sentinel (coincidence or price fix?). Yet CPP's quotes £35 on their web site ... The strategy seems to be to include lots of goodies which I don't really need to justify the price…
