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American Express Cashback Vs Amex Preferred Members Gold Card
Hi guys, I've had an Amex Platinum Cash Back Card, which I have had a number of years. In October I get my cash back. I also have a Preferred Members Gold card (which I haven't used yet?) With all the points the Preferred Members Gold card gives you, pound for pound is it better than my Amex Cash Back (should I ditch it?)…
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Balance Transfer Card - but not good credit rating
Hi all, this is my first post to the forum and I'm hoping someone will be able to help me out. I need to get a balance transfer card as my 0% runs out on my current card in November and goes up to 16%. I have been looking into BT cards, and have done the "soft" search using the tool on here, but has come back with only a…
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Capital One direct debits
I recently obtained a Capital One Aspire World card after finding that the cashback was paid back into the account annually, rather than in vouchers as with my M&S card (which I've used with no problems for 26 years). Also, it would mean that I could ditch the Post Office card used abroad (that's another story!). I was a…
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Interest on Interest
I withdrew cash from my Visa card abroad. My card issuer charge me interest on that withdrawal from the date of the withdrawal - no problem with that. I have a direct debit to clear my outstanding balance in full each month. However because there is a 14ish day gap between Visa calculating my outstanding balance and my…
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Safe to Balance transfer today?
I have a capital one CC with a balance of around £1000. I have been rounding down my bank account making small payments off daily over the past couple of days (including today) I also have a LTSB CC which I have had for about a month which has 0% on balance transfers. I was waiting to do this as we WERE planning on a…
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Balance Transfer a car loan
Hi, I've just discovered that a car finance deal I took out 2 years ago has 11% APR when I thought it was 5% so I'm looking for a credit card that will let me transfer the balance to a 0% deal, preferably for at least 24 months as that's how long I have left on the finance. Are there any credit cards that will let me do…
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Barclays to refund Barclaycard holders?
Seems this may also affect Barclaycard holders. Never had a loan from them and its early days but this could run into millions! http://www.dailymail.co.uk/money/news/article-2423294/Windfall-300-000-Barclays-customers-bank-pays-100m-botched-paperwork.html
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Credit Card Dispute, Urgent resolution needed?
I am havving a dispute with a company regarding airline tickets. I have booked flights which I dfound on skyscanner and booked and paid for them via the site but they are bought through a third party called travel trolly. The flights are actually with quatar airlines. The flights I found where flying at 8am and thsta what…
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Barclaycard 2nd balance transfer 0% term ends before original one?
Hello everyone, Was looking for the subject on MSE but seems quite specific! See I took out a Barclaycard 0% BT deal in June this year which lasts for 25 months, this was transferred form a card I was paying interest on, this is all ok until I had some un planned expenditure on my RBS card on which I was paying interest. I…
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living abroad and moved back with C/Card debt
I was living abroad for 5 years and moved back to the UK unfortunately bringing with me Euro Debt on a credit card :( . I am only paying the minimum fee off at present, but I want to transfer the balance to a UK Credit Card so I can be more in control and payoff sooner rather then later and also because the company I am…
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Full Balance
Hello, Really stupid question but I want to make sure I don't get it wrong. If I intend to pay off my credit card balance in full am I paying off the last statement amount in full or the balance on the day I am paying? e.g. statement balance is £250 but between the statement being generated (12th month) and the payment…
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Santander Interest Calcualtion
Hi, I have a question about the method Santander use to calculate interest on their credit cards I have a Santander credit card which had a statement balance of £5000 at the end of August, due to making a typo when entering the payment details I was £90 short paying the balance in full. I paid the £90 off 18 days after the…
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Marks & Spencer CC application query
Applied for a M&S CC today. I had an email back saying the application has been referred to their underwriters for a decision and I will hear in 3 days. I just want to know if that's the usual process or not? I'm asking as just over a year ago I acquired a Tesco CC and they too wanted additional information before I got…
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credit card chargeback question
HI guys i could do with some advice. last night i stayed at a five star hotel . at approx 1 am the neighbors decided to have a party. we complained . it was dealt with but 10 mins later it began again . we complained again and security dealt with it. minutes later it began again. after 30 minutes of laying there trying to…
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CGT on BTL That we previously lived in
Hello, If anyone can assist with a query regarding the CGT to pay from the sale of our BTL. Property Details : Purchased with my Partner in joint name and lived in property until 2005. Purchase Price : £113 K Purchase Date : 1999 August Rent Start Date : 2004 August Current Value : 300 K Bought a new home and put this…
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Aqua Card - watch out
Hi all I'm new to the forum. I joined so that I could share my experiences in dealing with Aqua card and their quite frankly disgraceful behaviour I have recently been subjected to. I started using the Aqua Reward Card in September 2012. In May 2013 a fraudulent payment appeared on my account. I saw the transaction on my…
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Controlling your Credit Card Spending
Just to advise that American Express (and possibly others) offer a basic card with the following facilities: No annual fee No pre-set spending limit No interest charges The only pre-requisite is you pay off your balance IN FULL each month. For those who may benefit, this offers the convenience of a credit card (carrot)…
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Changing Barclaycard due dates
Was wondering if anyone can help me.... I have a standing order set up each month to make payments to my Barclaycard and have just been caught out by them for missing the due date for a couple of payments (both of which have only been by 2 days because of the weekends). I don't want to set up a DD because I want to have…
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Whats going on with Barclaycard
First of all apologies if this is in the wrong place but I'm new here and hoping someone can help me please. A couple of years ago my debts hit an all time high and I realised I had to do something serious about it I was getting hassled everywhere and all my 12 or so credit cards were at their limit. Cut a long story short…
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How long before reapplying?
Hi I'm looking for a credit card which offers good cashback (or other benefits). I've just been turned down for the Amazon Mastercard. I've checked my credit file on checkmyfile.com and Equifax is showing me as not being on the electoral roll. I added myself to this a few months ago, and is being reported as such on my…
