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123 Credit Card Annual Fee Refund
I've recently opened a 123 Credit Card and met the fee refund requirements of activation and DD to a 123 account. Question is, on setting up a new card, does the annual fee really get charged and then refunded or is the annual fee just not charged for the first year. (No fee has appeared yet but only got the card today) A…
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Credit Card debt after some advice
So not sure entirely if this is the correct place for this. Basically back in 2007 (I think) I took out a credit card with RBS/Natwest. Used it, maxed it out, paid it off and then used it again (Doh!) However the second time I never maxed it out, I did however let interest build up. Subsequently I let it get out of control…
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credit card payment due date
MBNA has changed the payment due date meaning late charges can be levied. It did not give 30 days notice so is in breach of the notice period. This is another scandal waiting to happen.i happen to have two credit cards one set the date for the 18th Feb and the other 17th Feb, meaning my standing order paid on the 18th was…
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Lloyds Credit Card App accepted but crashed, shall i apply again? Please advise!
I applied for Loyds 21 months balance transfer card online and got accepted but application crashed on the balance transfer page and didn't allow me to go back. I spoke to various teams in Loyds and they can't help much, only thing they've offered is to remove the credit search record that will take 5 days. They're also…
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Lloyds TSB 21 months 0% card
My husband was accepted for the Lloyds TSB platinum card a few weeks back at the current offer of 21 months at 0%. However, i've just been looking through the paperwork and the small print and it 0% for 13 months? What should we do? Has anyone else got this card?
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Credit Card Protection For Secondary User
I am a secondary user on an account in my wife's name. I am looking to buy a holiday as a surprise but am concerned whether there will be any protection should the travel agent go bust given that I am not the primary card holder. I seem to recall that in such cases there is protection if the purchase is deemed to benefit…
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A Horror Story About Tesco Bank
I have a horror story about dealing with Tesco Bank which I would like to share. I took out a Tesco Credit Card in September 2012. The credit check went smoothly and I was granted a credit limit of £3500. This card had an introductory offer of 0% on purchases for 16 months. So I spent £3475 on a large purchase to take…
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Purchase Greater than Credit Limit
Over the next few days I wish to buy a Mac which is going to cost me roughly £1,070 - I'd like to buy it on card so I can split the cost over two months. Unfortunately my credit limit is just under at £1,000, If I were to overpay my card by roughly £100 but spend it almost instantly would it have any negative repercussions?
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Tesco Clubcard Credit Card
Hello all, I have just signed up for one of these and registered the card on-line at tescobank.com. All good so far, except is there any way I can tie it into my existing Clubcard? I don't really want to be running two clubcards concurrently, so any help would be much appreciated! Thanks.
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silly little amounts on credit card??
Hi all, i was just wondering?, i use the santander 123 cash back credit card in Tesco every day for amounts of between £5-£10 daily, is this ok practice? As i am new to credit cards i am unsure if these little amounts are ok or does the CC company prefer the use of the card for a larger item? only using it like this to…
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Business Card Blocked - no way out?
Hello, I'm getting information to help a family member as his business is struggling and in trouble with his bank and they have jsut blocked his business card and with his personal accounts linked to the business he no longer has funds to pay bills, rent, food, VAT and his other credit cards. He was made aware that the…
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Credit Rating and Google Wallet
I frequently purchase items on line using one of two credit cards and never without problems. However I have recently attempted to purchase some items from a store who only use Google Wallet, if credit cards are the preferred choice. I duly registered with Google Wallet, provided details of a regularly used credit card…
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Amex / American Express Reward Points
Hi, I have 100,000 Amex Reward Points and I would like to spend on a hotel stay. I'm looking for the most cost effective way to transfer my Amex points to one of the hotel partner programmes. Not worth transferring to Avios as I can already fly with Virgin very cheaply. You can choose from Starwood, Hilton HHonors and Club…
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ADVICE - Best/Cheapest way of withdrawing cash abroad ?
Hi All Going to Andorra in a few weeks and wondered what is the best way to pay for items/hire gear etc. Also what is the best way to withdraw Euro's ? I have a Nationwide Flex account, would a credit be better ?? Or one of those preloaded cards ??? Anyone help ??? Thanks
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PND and credit cards - I can't ring them!
I was diagnosed with having post-natal depression in December last year and have been unable to work since. I stopped paying my credit cards as I couldn't afford to and I don't know how to approach them. I now have a limited amount of funds coming in and would love to pay them off but when they ring me I feel sick and…
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Shandrani hotel Mauritius
Hi all :j I am getting married next year in Mauritius but we don't have a credit card due to being on a debt plan with Gregory Pennington and have been for 3 Years The hotel want a security deposit of 40% of total bill around £3300 !! They want this by credit card which we don't have we do have a pre paid cash plus card…
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New Credit card with a low income
I've had a HSBC credit card for years. Use it regularly for on-line purchases in 10 years only ever paid interest twice when I forgot to pay the balance off. I'd quite like a card where I either earned points or cashback. Problem is I'm self employed and my recorded income for the last two years is only around 6K. From…
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Balance Transfer from M&S to Barclays or Halifax?
I've got £5000 on M&S credit card which was a 0% for 18 months deal expiring end of this month. My credit rating is 4/5 on noddle and i've been late on payments just once in last 6 years even that was a mistake of bank and i've never paid any interest on CC purchases. I've also got tesco credit card which i always pay in…
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BT guidance
Hello, I need some assistance/advice on balance transfers and how it all works. I am relatively new to credit cards having taken out a couple last year for home improvements. I have £3000 on a Halifax card and £3500 on a Barclaycard. Both 0% introductory rates are coming to an end next month. I was going to settle both…
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Need a visa card for travelling
Hi, my daughter is going travelling in the summer and has been advised to take both a mastercard and visa card with her. She has a mastercard from Santander which doesnt charge for using abroad (shes studying in USA) but needs a visa card. Can anyone recommend where she can get one from that ideally won't charge either?…
