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MasterCard vs. Visa foreign usage
I have just ditched my Metro Bank MasterCard credit and debit cards. In their place I am using my Halifax Clarity MasterCard credit card, Nationwide Select Visa credit card and N & P Visa debit card. All these cards do not charge for foreign usage. Having carried out a number of experiments, it appears that the forex rate…
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First timer credit card
Hi all, thinking about applying for my first credit card (but very weary of building debt). Up until now all I have had is my debit card. I'm in a full time job, decent pay with only 1 debt (student loan, nearly paid off). Intention is too build credit and occasionally pay for big one-off purchases i.e. TV, holiday's etc,…
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Any 0% cards that just let you have the cash..?
Don't have any debt now, :j but mortgage:eek: but need serious structural work on our garden. We've saved £15 k but need to borrow another £10 k but the mortgage company say that to extend our mortgage, the extra would be at a much higher percent. Wondering if there's a way of doing it for 0 interest? We are confident we…
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Who are new day ltd (santander c/card assigned) !!!!!
A letter cam today to say my c/card account along with all Santander customers are being assigned to New Day Ltd! THIS IS VERY IMPORTANT IF YOU ARE ON THE SAME BOAT PLEASE KEEP READING! From a look on the net it appears New Day could be a company which helps people establish or have a poor credit rating, They are provide…
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Is more available credit a positive?
Over the past few months I have been denied a couple of credit cards, even though I have no defaults or missed payments on my record. I've now got a Capital One Extra card, in addition to my maxed Barclaycard. I have been granted a Help To Buy mortgage, which are notoriously difficult to get unless you're squeaky clean, so…
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Is APR increasing across credit card issuers?
I have an HSBC credit card which I applied for 3 years ago at 16.9%. My wife just got one three months ago but the APR is 17.9%. Now I have realised that on the HSBC website the APR for new applications is 18.9%. Barclaycard used to offer the simplicity card at 6.9% but now is 7.9% (and hidden in their website). Halifax…
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How soon can you pay off a Halifax Clarity card?
I was wondering how soon I can pay off my halifax card? I made a test transaction last night, and while it hasn't shown up a specific item on my banking homepage, my credit limit is minus the amount shown. As long as the credit limit shows I've made a payment, am I ok paying this off as soon as possible? I'm not worried…
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Question regarding applying
Hi, I was just wondering, when a debt falls off the credit history and is statute barred - so for example, with a credit card from Capital One, can you then reapply for a card in future or will having a partially unpaid debt hinder any successful credit card application with the creditor in question?
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Query regarding Section 75 claim
I gave a fully functional car to a garage to look at a specific minor issue and two weeks later they gave me back a car with a burnt out engine kept in the boot telling me that the car engine seized on their test run. I was give just three options: 1. Pay £2000 and have them fit a reconditioned engine 2. Pay £600 towards…
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CC charge
Hello, I'm finding myself in situation that i don't know to deal with and seek your help.I rented a car abroad to EC VEHICLE RENTAL LEICESTER HQ and was asked for a deposit of £250, which would be return to me when i returned the car. I returned the car on the 17/2 and money was back on cc on the 18/2. Today i went to…
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loans secured on property
Hi Moneysavers Could someone give advice relating to this problem I have secured legal charge of 45% equity in a family home and would like to borrow against my percentage would a bank or institution advance a loan on that basis?
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Advice Please
Hello All, I would be grateful if you could give me some advice about some credit cards that I have applied for. I should have done better research before applying for them but it's too late now. I applied for 5 credit cards in order to take advantage of the 0% rates. My plan was to transfer the balance into my current…
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Transferring debts to rightful owner
I have credit card debts in my name, which really belongs to a family member who is now struggling to meet the payments, is there a way I can have this debt transferred into their accounts/name?
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Santander Credit Card Fraud
I hold a Santander 123 card and was the victim of a series of unauthorised transactions last weekend to the sum of 1997.75. They started with a £3 transaction to something called Netteller and then 3 transactions for £508 to Netteller and 3 to Western Union. I saw the transactions on my pending transactions the next day…
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Credit card newbie - can I pay in full BEFORE direct debit?
Hi all, quick question and potentially a silly one! I have just had my first credit card statement, and I have set up to pay the balance off in full every month by direct debit. My statement shows that the direct debit will be taken on March 17th. However, I get paid on Feb 28th, so would ideally like to have cleared the…
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HSBC credit card - paid too much
Balance is £20 and I accidentally paid £65 to it from my Santander account (was supposed to go to my HSBC current account). I think in the past they have rejected it when it's more than the balance, any idea if and when this will bounce back to my account?
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Someone has been withdrawing from my CC terrified is OH
Hi guys, I have had the worst week of my life. Tuesday,find out someone has spent £4k on cash withdrawals on my card. I don't use this card so assumed it was in my drawer. Was last used physically in May/June. In my local supermarket and a pub further a field. The supermarket being the last place. It has since been used…
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Web3retail
Hi, I'm new to this and have really struggled to get to this point - made it!:j We have an entry on our Credit Card Statement for WEB3RETAIL.CO.UK Neither of us can work out what it is for and we can't find any documentation. When we called our CC company they told us it was listed as "Special Trade Contractors". This…
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Surcharge fees - when do they have to tell you?
Hi I was wondering if anyone knew at what point do a company have to tell you that I will incurred a surcharge for using a credit card. Basically, had a quotation on a kitchen worktop and asked what method of payment available (cash, transfer, credit card, even paypal). After the template/measurement, I went to pay the…
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Not credit card, but debit card grumble....
:mad: <This is me today... Trying to upgrade my current account with Nationwide. Says on the internet banking i can do this online, brilliant i thought...it only takes 3 minutes. Wrong. It just takes me to a page which says 'unfortunately you cannot upgrade online please call blah,blah,blah or call into your local branch'…
