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travel money cards
i've been using the halifax clarity card for our regular trips to our Spanish holiday home. The exchange rate is so good making it good even for cash withdrawals. My question is could I avoid the interest payments by overpaying my card balance so I'm in credit before going? We have a regular need to send money to our…
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BT's & Capital One
I am about to make a couple of big purchases and transfer the balance over to a 0% card. Does anyone know of any problems in transferring from a Capital One Progress card? I know some cards won't let you make transfers from them, so thought it might be a good idea to check here first;) Thanks
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Use of Fake Credit card details to buy stuff online
This is a spin off from another post. Basically I got delivered a mobile phone I did not order but it was all in my name. This is a known scam - shortly after it arrives the scammer phones to say it was a mistake and can they send a courier to collect it. I said no as I had already spoken to the mobile phone company so…
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Credit Card payment not taken by Hotel
On the 22/07/2013 I booked a hotel stay in the Uk for 1 night for the 26/07/2013 via their website and gave them my credit card details as requested. Paid for the extras in cash. Yesterday the hotel contacted me via email saying that they needed payment as I only guaranteed my stay with my credit card. Do I need to pay…
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Bad Debt, Balance Transfer, Credit Limit.
Greetings Money Saving Experts, I have a relatively large bad debt on a credit card which I am looking at switching to a 0% or low interest rate deal. However the "assumed credit limit" on the new card is less than half of the bad debt or can this "assumed credit limit" be adjusted? What's the best way to shift the bad…
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Refused Credit Card?
Following doing an Experian credit check and getting an Excellent credit rating, I tried to do a balance transfer, done the quick checker and was told I had an 80% chance of getting the card. So I have filled in the details and been REFUSED?! I don't understand why? Could some advise?
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Why do we have to pay customer help calls
Hi All, I am new here but I thought I had to raise this issue, I realise over the last years nearly all companies make you use 0845, 0844, 0870 etc numbers that will charge you for calling their customer support centres, I feel this is ridiculous so the suppliers are making us pay for them to help us which should be part…
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Credit card - minimum payment market on credit report
Hi, I'll try and make this brief as some people can go into too much detail on this board! Basically I have two credit cards (now that Aqua has closed). Halifax clarity reward, and CapitalOne World Aspire. I use the Capital One from time to time, when I want to get the 0.5% cashback, however there have been stretches of…
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How long should a refund take?
I made a reservation with Holiday Inn and they messed up and overcharged me a significant amount (£640!). I called them up on Tuesday (11 feb) and sorted this out with them and they promised to refund the amount straight away. The refund still hasn't shown on my statement and I spoke with the bank this morning and they…
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Credit Cards Board Important Links
Hi folks :) This is the new Credit Cards Board Sticky where links to all current important threads will be kept. Links: Unoffical Existing Customer Balance Transfers Best Balance Transfers Discussion Area Who Does/Does Not Accept Amex? American Express Guide Credit Card Freebies Article Discussion Area Regular Payments off…
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Just opened a vanquis credit card account
Hi just opened a vanquis visa account to try to increase my credit rating after a redundancy about 8 years ago and bad advise shot it to pieces. i plan to run the credit card along with my bank account and pay off in full each time. can anyone give me any feedback on vanquis / card any benefits etc good bad points thanks
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I need a credit card with benefits to it
I need to get a credit card to use for work, to book hotels etc spends at hotels, so I may as well get one that gives me casback etc. can anyone recommend one. I have a credit card as a student but not really used it. My credit score is very good as I had it checked. I should have stated I do not earn a lot at the moment…
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My first credit card
Hi, I am new to the forum, and pretty much new to the concept of credit cards! Me and my wife are likely going to get a mortgage in the next 2-3 years or so and neither of us have ever had a credit card (CC) . This is clearly not good as we have not built up a credit score. The purpose of the CC would simply be to build up…
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Balance transfer to Amex
I couldn't find the answer to my question through a couple of searches so at risk of duplicating others I'll just ask it: if I spend around GBP2k on my Amex on air tickets in order to get travel insurance thrown in can I balance transfer this amount to say an MBNA card that will be 0% for a year? Or is Amex considered…
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Closing a bank account - is my CC affected?
Hello I'm planning to switch from my Bank of Scotland Reward Current Account to Santander 123, but I'd really like to keep my Halifax credit card as it's so useful abroad. Does anyone know if I'll be allowed to retain the credit card once the bank account is closed? Thanks
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AVIOS Points
Hi all So I've been using my Lloyds AMEX card (have the duo) almost exclusively now over the past few months and have accumulated circa 5k points. I logged onto the website to see what the offers were like - I was mainly interested in flights. I wasn't looking to see what I could do with my points now, but maybe in the…
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Credit Card Transfer
I Have a £6000 balance with Barclaycard. I have obtained a 0% interest card from Lloyds but have only £1500 limit. Will Barclaycard accept £1350 as a balance transfer to the Lloyds card. trimani (newbie)
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Default on credit card
Evening all! Hoping someone can help me! Got in a bad way with my credit card! Basically missed a few payments and now a default has been registered on my credit file. The debt has been passed to a debt company to gain this money back. Silly question now I've got a default do I need to pay this back!? How can I help this…
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Credit limit Indicative of the rate?
I have applied for a Barclays platinum card with 31 months at 0% for BT's. I was accepted but when I called they were unable to confirm if I was accepted for the 0% rate however I was shocked at the large credit limit I was given. Could a large credit limit indicate I was successful in obtaining the 0% rate?
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Vanquis Credit card is doing good
Well, Just a update for you guys. My vanquis Credit Card is doing good. 1st statement I paid the full amount of £46.70 last month and this month statement I will need to pay the full amount of £90.82 as like I stated, I set the full amount every month. Reason why I spent quite so much is I bought lots of Grey Suit/trousers…
