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Best card for taking out cash abroad?
Either a debit card or credit card is fine — for use at ATMs. Any suggestions? I know N&P have it, but I'd have to migrate my account there. Aqua is probably bad for that, as is Halifax Clarity, right? Update: I got myself a Metro Bank debit card — I think it's the best option as I can take out cash from ATMs abroad and…
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Does being a credit card tart affect your credit rating?
I currently have one credit card in my own name, and am the additional cardholder on two others. The card in my name is over a year old, and there were gaps of about one year between obtaining each of the other cards. I/we got all three of these cards in order to do a bit of credit card tarting; the balances were all paid…
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How to maximise cashback on Halifax Rewards and Aqua Cashback cards?
I've recently applied and received both have the Halifax Rewards and Aqua 3% cashback cards. The Halifax card gives £5/mth on a minimum monthly spend of £300 and the Aqua is 3% on all spending (up to an annual max of £100). This is probably a stupid question but I just thought I'm going about this the wrong way. I was…
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123 Santander credit card
I am a confused silver surfer ! Can someone tell me to which account the cashback I have earned on this card goes, is it current or credit card ?
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Sage Platinum Credit Card
Wondering if anyone can advise please as I`m getting a bit confused with the T & C on Saga site. We are off to Hong Kong in 10 days and are taking our Saga Platinum card. If we purchase items, pay for meals items in the hotel etc then am I right in thinking there are no extra charges if we clear our account in full when we…
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Capital one credit card
Hi I've been away for a few weeks and have returned to find that Cap One have closed my account as I defaulted on 2 payments. They gave me a tel no to call and it won't accept calls at the weekend only Monday to Friday. They are threatening to sell my debt and get door to door guys round. What can I do? Please help, thanks
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How many credit cards can you have?
Hi I have recently done a balance tranfer to Barclaycard however it wasn't enough to cover the entire balance. I applied for a Natwest card several months ago to do some house improvements. My question is if I apply for another balance transfer is there a chance this may be declined. I have a good salary and a mortgage.…
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Barlaycard Platinum 6.9% Balance Transfer Offer
My Barclaycard Platinum currently has a BT offer for 6.9% for the life of the tranfer. At the moment the only way I can make use of this is to transfer £271 from an Amazon card which has a 16.9% APR. I worked out that I can save roughly £10 on interest if I transfer and keep paying this off at the same rate. Since a…
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Why do I have a bad credit score?
My credit score won't even permit me to get a mobile contract. I'm miffed. Currently I do have a contract with vodafone that I've had since february but can't get a new one.. Here's what I've done in my life of 24 years so far: Had an unsecured loan of £6000 which has been paid down to its last £300. Owned a mobile…
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First Direct credit card
Hi, I have very recently transfered all of my banking to First Direct on MSE recommendation. All went well with the easy switch service etc - still waiting for my £125 though. Anyhow, I applied for a Gold credit card with them (for emergencies) - apart from savings I prefer to keep my banking in one place, well I came off…
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Return of the Super-Stooze
Have just started superstoozing again after a gap of about 5 years!! Applied for the Fluid card and got it with a credit limit of around £15,000. Promptly stuck £14,000 to overpay our mortgage. Even with the 4% transfer fee it is up against a 5.39% mortgage rate so that over the 15 months 0% period will save us a tidy few…
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Unable to Cancel MBNA Credit Card
New to forum, apologies if this has been discussed, not sure how to search. I wrote to MBNA telling them I wanted to cancel my card with immediate effect. Got, "sorry you want to cancel, if you're sure sign this cancellation slip and return." I did, and was sent another cancellation slip. I have now told them twice I want…
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Credit card sent to wrong address!! advice please?
ordered two ASDA credit cards for myself and OH. hers comes first, typical, and mid afternoon today there a knock at the door and a lady who 'lives down the street' said she reciveced this today and hands me my ASDA letter containing my card! i live at 26 and and she said she lives at 29. now the letter seemed unopened and…
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1st Credit late CCA reply with no signature
Hi, I am hoping for some collective wisdom from this very useful forum! I was contacted by 1st Credit in the spring this year seeking payment for an Opus cc debit of £1,500 that they claim I had defaulted on last year. 1st Credit appear to have my address details from 15 plus years ago but I have no recollection of the…
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Barclays Credit Card
I have take on my elderly dad's fight for him as this has got a bit too much. He has a Barclays Credit Card for a few years. He had this stupid PPI thing on it which he cancelled over a year ago. A few months later he noticed they were still taking the payments for the PPI he cancelled. When he contacted them they…
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Financial association with my ex?
Hi, I was declined for an RBS credit card today and decided to go onto experian website to view my credit history. I can see that I'm down as being financially associated with my ex who I broke up with 5 years ago. We once applied for a morgage together but decided not to go ahead (thankfully) but I'd like to get his name…
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Credit cards explained???
Hello All, I am 30 and never owned a credit card as always viewed it as an easy way to get into trouble. I am a very money head (some might say tight/misrable) but i see it as sensible. I go away a bit with work and occassionally pay for my own accomodation and meals and claim it back off the company but currently i pay…
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Barclaycard payment clearance issues
I've been having issues with my barclaycard payments recently and would be interested to hear if anyone else has experienced the same issues. I've had the card for years and have a direct debit set up to pay a set amount and have never missed a payment. For some reason, for the past few months, instead of the payment being…
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New Credit Card for Graduate
Rather than simply scattering applications around, I'd appreciate some advice before starting the process. My daughter graduated in June and is lucky enough to have received an offer of employment, starting in September. She needs a credit card, if nothing else because she'll be incurring work-related expenses soon after.…
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CRA's worthless scoring system should be made a sticky..
Don't shell out to find your 'credit score'. I often hear "my credit score's 900 but I got rejected". Yet 'scores' flogged by credit agencies are only lightly indicative. In reality, each lender scores you based on its own secret, unpublished algorithm assessing not just your file, but any past dealings with you as well as…
