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What is the best card for cashback? (123?)
Hi, After many years of almost doing it, I've decided to actually go ahead and get a credit card, despite being slightly put off by the hassles. After looking around, the Santander 123 card would probably be the best for us, but I'm open to suggestions if people have had bad experiences etc using Santander? I'm guessing…
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friend's CapOne and Vanquis cards
she has not had credit cards until a few months ago, and is short of money at the moment, so wants to keep things simple. she has a CapOne card with a £200 limit. she also has a Vanquis card with a limit that has been increased to £1000. she is near to her limit on Vanquis and has £150 on CapOne. she banks with Halifax. i…
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My earnings are low which credit card?
Hi, I am applying for a new credit card. My Credit score is good 521 (Only 1 late payment ever) But, my earnings are only £10000/year I will be paying off in full every month. I was looking at (links within MSE site) Capital One Extra (90% eligibility, Low Credit Amount) Could I realistically get a higher credit limit than…
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Tesco Credit Card Application Help
I'm in the process of applying for a credit card with Tesco. Not convinced I'll get it as I don't have much credit history (never had any debt before - only mobile phones and DDs for utilities), but I thought I'd give it a go before looking at anything more sub-prime. The only only problem is that the application is asking…
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Credit Card Opened at my address
Hi, Last year I started getting mail from Barclaycard for someone who doesn't live at my address so I phoned them and asked them to stop but apparently that person has a credit card registered at my address. Barclaycard said they would rectify the issue but still I receive the mail for this person from Barclaycard. Does…
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Credit card charges notification query
Hi I’m new to the forum but have often used it for advice, so wonder if any more experienced people can help me? I’ve recently discovered that I’ve been charged for late payments and additional interest on a balance that I transferred to an MBNA credit card last year. I have been making regular payments and I fear that…
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possible credit cards
Hi i was wondering, my credit file has been appalling in the past. never, not once paid anything at all. Now i have got 3 contract mobiles with Orange (iphone 5s, s4 and an ipad) so they are not your average nokia and £10 a month contact, i also have something on HP which is paid on time everytime apart from one late…
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Credit Card - CRA info needed
Hello All, I have a credit card with a high interest due to poor credit. As I want to rebuild my credit I have used it to pay monthly items and then clear the balance a week before the statement is due. Anyway, last month I did that, received a statement showing £180 worth of debits and then my payment of £180 and a…
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Moved Abroad
Hi all, My daughter moved abroad early last year and had a credit card on 0% interest which has now run out. She still has quite a lot of money owing on it and needs to be able to pay it off as best she can. She still has a UK bank account so will she be able to apply for another card or can anybody tell me what her best…
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Is Amazon CC now 0.5% cashback on non-amazon purchases for existing card holders?
Update : Loyalty point rules for existing amazon credit card holders say 0.5% while new applications are being advertised as 1%. Waiting for January statement to see if this is in effect. I was gonna apply for a new Amazon credit card for my dad as I told him I was getting 1% cashback on mine. Checked the loyalty point…
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Best way to complain to credit card departments (HSBC)
Hey guys, I am having a lot of bother with HSBC and I am getting now where with their credit card department. Heres the background; I requested a replacement card on the 2nd of december as I had destroyed my last one to stop myself using it. I required the card to get one last present for my wife (purchasing it online). I…
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Vanquis Card nearly paid
Hi All, i want to confront vanquis regarding over-limit charges, and DEFAULT CHARGE INTEREST. Are they allowed to charge interest on the default charge? Also why is vanquis only one of a few credit card company's where it takes 5 days sometimes for a payment to go through. Thanks
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Transferrring a loan to a 0% credit card
I have a car loan for which the settlement total is £3,530, it is at an interest rate of 11.24% and if I were to pay it off now instead of keeping it to the end of the loan period, it would save me around £400 . I have a credit card with around £1,600 outstanding. My credit limit on that card is £4,750. My plan is as…
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Aqua Credit Card-Help please
Hello all, apologies for this post, but I require some help as I'm so angry I can't think straight I used to hold an Aqua Credit Card but closed the account in November 2012 via their website, by paying the balance in full and requesting the account be closed. Then in July 2013, whilst on holiday in Italy, I recevied a…
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Section 75 refund question - flights
Is booking with a expedia, kayak type comparison site (when they then take you to another online travel agent) for flights and hotels for a holiday covered by section 75 refunds. Looking on MSE it appears as you have to book directly with the vendor for this to be valid Thanks folks
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Closing Aqua Credit Card - Cash back question, please.
I telephoned Aqua and the person I spoke to didn't seem too interested so if anyone has an answer I'll be most appreciative. My next Aqua statement is due around 12 January and I should have accrued nearly £100 cash back. I don't intend to move to their new card offer and plan to close the account. (Thankfully I have…
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New address on Credit card. When purchasing Online items, which address do I use
Old address (been living at for many years) was where the bank account was opened too, and where the mail of that account was coming too, including statements. Now the address has been changed to a new address ,and the address with this bank account /debit card has changed too. when purchasing items online, on the order…
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Shop charged me at their foreign currency conversion rate
Hi all, Recently I was abroad and decided to make a purchase on my credit card, which has no charges for transactions made in foreign currencies and charged at the mastercard conversion rate (which is very good). When I got back, I noticed that I have been charged in GBP instead of the foreign currency - this means that I…
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Capital One confusion
Hi All, I paid £50 off my card on the 30th December 13 in time and far more than the minimum requested. I always pay it in full and clear the card. This month though my DD was coming out a day before payday. I took it on me that since ive already paid Id cancel the DD (5/01/14) and clear the card on pay day. Ive just…
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Halifax clarity
Hi I've got a halifax clarity and intend to use it abroad. I need a float of around 200 euro for arrival and want to get it here. Can I use the card to get euros in uk ? Would it be sensible to put the card in credit before I go ? Thanks
