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MSE News: Free £5 for Amex holders when they spend a fiver
"American Express cardholders with a smartphone can get discounts at local small businesses via the Foursquare app..." Read the full story: Free £5 for Amex holders when they spend a fiver
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First month with halifax all in one card, minimum payment question
Hey, Just checked online account and it says minimum payment is due in 4 days, I have had it nearly a month and used a couple hundred on it so far for some flights etc. The minimum payment however says £0?? I thought that it was always at least £5. I will ring them in the morning to clear it up but wondering if others have…
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Charges to a cancelled card.
Hi all, been reading this forum for a while and I have a strange issue with my debit card. Back in December 2008 I lost my debit card and had it cancelled. However, my ISP at the time (Demon) continued to take charges from it. I left demon on 24th Sept 2010, but they continued to charge me to this present day. As my card…
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Credit Card or Loan
I have too many payments that are due soon. I have £300 Car Finance, £300 Insurance, £92 Driving Penalty, £120 Road Tax. Requoted on Insurance and I can pay £1000 and avoid the monthly payments if I pay in full in January, however I don't think I will be able to save enough for it in time. So now I am thinking if I can…
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scoring available credit
I've just lowered my upper credit limit on a credit card to improve my score. However my experian report scores according to proportion of available credit borrowed. So, by lowering my credit limit, i've increased borrowing relative to available credit. Have done the right thing?:( any advice gratefully received, I believe…
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Paying "tax money" each month onto credit card?
My OH is self employed and we put £400 into a savings account each month for tax so effectively each year we have £4800 put aside for tax. In Jan & July we have to do a transfer of approx £2400 to pay his tax. However, I'm thinking that as we have quite high credit cards that we pay the £400 each month off the credit card…
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Impact of using and paying off a card regularly
Hi I have 2 credit cards I use 1 for rent and council tax and pay these off. Basically for the cash back. I have another I use for larger items and also pay off. When I checked my credit report, it came up as negative that my installments for credit had not reduced in last year (I also have a fixed term loan so normally…
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No Mortgage poor credit
Hi, I'm in a position where i own my home outright...but have poor credit and need to take out a small loan. The house was left to me by my mum, so my name is on the deeds and i don't have any outstanding mortgage on the property. My credit history is poor but need to take out a small loan. The companies i have spoken to…
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PayPal Credit Card November Statement
Hi all, Did anyone who had a PayPal CC/mastercard get an email today saying their November statement was ready? Obviously this card was decommissioned in around March - and links in the mail go nowhere - any ideas?
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Equifax report.....
Well i ordered my £2 (bargain) report yesterday and it is amassed with Green blocks :D and quite a few S (settled accounts) looking at one though i have 2 ambers (1) going back to June and Sept 2009 for a mail order company that is now settled. Forgive me if this is a dumb question but are the amount of 'Settled' likely to…
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Halifax card paid off - still charged interest
I though that if you cleared the balance of your credit card before the due-by date then no interest would be added. My partner finally manged to pay off her Halifax card last month in good time. The new statement arrived today which has the date of the payment received as 6 days before the old statement due date - but the…
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CC / 0% / balance transfer
I had debt spread over 3 credit cards, now i have it over 2 cards. wondering if anyone can answer these questions. 1) the card that is now cleared can i call and ask them if they will do any 0% deals on balance transfers? what are the chances of them saying yes? 2) does doing balance transfers go against your credit rating…
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Lowering Credit Limit - Could It Cause Future Problems?
Hi, Looking for some advice. I'm thrilled that after years of my worrying about my H's ability to spend money he/we don't have without a second thought he has recently had his lightbulb moment - we would love to move and he found the perfect house only to find out we don't stand a chance until we have cleared all…
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Best Card for Poor rating?
Hello all, i'm new to this so hope this is OK to ask for advice! for a number of reasons I hsve got myself in to bad debt in the past but have happily beaten it and am back to£0 balance, which is better than in the red! However, my credit rating has been effected and ti's stopping me doing simple things like getting a…
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RFID technology and contactless cards
Is it really necessary to use a stainless steel wallet to protect my cards, or is this just another scam?
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Risecard
Anyone else come across this delight? Anyone used them? https://www.risecredit.co.uk/ Wonder how long they've been around? Interesting idea ...I suppose ....
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Credit Card Fee's Question
Hi All, I am looking into the MSE best 0% Credit Card guide, and like the look of the Tesco one, [STRIKE]link below[/STRIKE] (can't post link). So this card has: 0% on purchases for 16 months. 0% on balance transfers for 9 months. What I don't quite understand is the 2.9% fee from account opening. Is this a fee on the…
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A safer credit card
Why is it that credit cards don't have a safety using rating, I have recently been mugged on a bogus website. The mugging was ably assisted by the credit card company. Now having been wounded in my wallet by the mugger the credit card company who helped him now says completely my fault but they want to lick my wounds. The…
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still paying credit card payment protection insurance when balance is 0
My husband is still being charged a monthly amount by Vanquis despite the balance being 0 for 3 years!! I can only assume this is for insurance but is this right? How can you insure nothing?
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Balance Transfer, nor registered?
Hi All, Two weeks ago i applied and was approved for a 0% balance transfer card with Halifax, to which i have transferred the balance of my two sub-prime cards (Aqua and Vanquis). As my Halifax card showed up first on my credit report with the transferred balance it completely skewed my outstanding debt as it was showing…
