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Help with 0% purchase credit card
Hi We're getting married in the summer and I plan to use a long term 0% purchase credit card to pay for some of the items, effectively using it as a short-term loan. I've used 0% purchase cards in this way for many years and never had a problem paying them off before the promotional period ends. Currently I have 6k on a…
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Money refunded twice on credit card.
At the end of February my credit card was debited with almost £800 for the automatic renewal of my partners car insurance, however this had already been sorted elsewhere. We ad let the company know we didn't wish to use them but they took it anyway. I contacted my bank who said they would investigate and had 60 days to…
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Halifax Clarity Card Warning!
Hi all, I have seen many posts regarding the Halifax Clarity Card and people relying on it when abroad. Now me? Without going into to much I do a lot of travelling. (Last year I spent more time out of the country than in it) While I write this post i'm in Peru enjoying the sun we should be having around about no in the UK…
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Halifax Clarity Credit Card
Hello, I'm hoping someone can explain this to me. I have applied for the halifax clarity credit card. To take money out abroad there is no fee, but you are charged interest even if paid in full? What does this mean? The rate is 12.9% representative APR, which works out at £1 month. So if I take out £100, how many months…
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Embarrassing situation but can it be sorted?
Ok everyone this is my current problem. Not long ago I was on a night out with 2 mates. We ended up in a strip bar (yes cringe) although I don't remember going there. I am being absolutely truthful by saying that in my life I have done this (strip club) two maybe three times and I would possibly have spent £100 in total,…
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False Credit Card Application
Hi I am currently away on secondment in Asia for a year. I have my mail forwarded to me to my current location - and I have just received two letters telling me that I have failed in my application for credit cards at Capital One and RBS. This is completely false and it seems that someone is applying for a credit card…
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Paying someone else's bill on your own credit card
Hello, Having heard you can get back up from the credit card company if something goes wrong with a purchase, I thought it would be a good idea if my parents paid for their removals company bill by credit card. They don't have a credit card so I offered to pay with mine. My question is, do I have the same back up from the…
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Halifax Clarity 17.9
I was recently approved for the Halifax Clarity card at the 17.9% rate with a £2500 limit. I only intend to use it for travel and pay it off in full each month with a direct debit. However, I don't like the 17.9 rate, is there anything else I can do to get that down to 12.9, which is the posted rate? Like closing and…
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ASDA Cash Back Credit Card
Just wondering if this cash back credit card is worth giving a go, has anyone had any experience of it? It doesn't appear on any best buy listings, in fact I can't see it on any sites other than ASDA's. Offer's 1% on all ASDA purchases, and 0.5% on all others, with no limits to amount receivable.
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Credit Card Newbie - Few Things
Morning All, Just after a bit of advice if possible... I've never had a credit card before, have always paid for everything through Bank/Debit card - dont have any issues with overspending or going overdrawn. Have a few big purchases coming up in the next few months, so am quite attracted to the AMEX 5% cashback card for…
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If a company goes bust
About to pay for my wedding which is in 2015, and would like to pay on a credit card (which I will then pay in full when the bill comes). My question is, if the wedding company goes bust, am I able to claim for non receipt of goods? In other words lets say I pay for the wedding now, and a month before the wedding the…
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Odd Returned Payment Charge on Barclaycard
Ok I'll try and relate the order of events: * I was offered a barclaycard platinum with 3 months at 0%, I took it. * I set up a direct debit online to pay off the full monthly statement. * When my first monthly statement arrived I obviously still had 0% interest so I decided to pay the minimum payment, which I did via the…
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Maximising spend on Amex charge card
Hi all, just got myself an Amex Gold charge card and apart from the usual spending we all do, does anyone have any good tips on other spends or bills it can be used to pay with? It's a shame normal household bills cant be setup to come of it. I want to maximise those points!
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Retention Deals?
I have a 0% BT on a Virgin card ending soon, and am fortunate enough to have been offered 12 month deals by both M&S (2.9% fee) and RBS (3% fee) on existing cards with zero balances. The balance is around £2k so only a couple of pounds difference in fee. Although better deals are available on other cards, I am way over the…
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Why am I offered 9.9% apr on a 6.9% sainsburys credit card?
I recently applied for a sainsburys low apr credit card advertised at 6.9% apr, when it come through it said congratulations on your application and were are pleased to offer you 9.9% apr, I have checked my credit rating and its superb, I have never missed a payment in my lifeon any bills, credit cards or loans, the only…
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Barclaycard Logic.......
Ok this is a bit of a rant but I still can't believe my ears.... History: 6 months ago I removed a second card holder from my account, cancelled her card and changed the postal address from the business we were ending, to my home address. The statements duly arrived at the home address - all good. 2 weeks ago I requested a…
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When is interest added to a Credit card account?
Hi all, I know this may sound like a silly question but I've never actually been in this position before and if I'm honest I don't really understand how interest is charged on a credit card. I have now just £716 left to pay off my credit card and intend to do this next payday once I have received my statement and am trying…
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Advice needed please - can i claim on credit card?
Hi chaps, Needed some advice on the following please... Purchased some house products (several of) from an online seller which arrived fine, paid using my visa credit card. Unfortunately the wife had a change of heart so we returned them after a couple of days, again paying for the delivery using visa credit card. Now…
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Credit Card automated payments on website
Dear Sirs, I am a new user of the forum and I am writing from Italy. I found some useful advice regarding credit cards and I have a question for you guys. We have just launched our brand new website. With this website we rent holiday accommodations in Tuscany. Until now we've worked on a request basis but we would like to…
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Credit card application
I graduated a couple of years ago, taking through my student account to become a grad account. On 17th Apr I applied for a Barclaycard CC and got rejected. I would hazard a guess that it's due to my continued use of the overdraft on my grad account and the fact that I've never had a CC before. They followed up with an…
