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First Time Credit Card - Tesco?
I thought i'd post here for any advice in the minefield of Credit Cards, as we are newbies to credit We would like a card that we can pay off 'in full!' at the end of each month so as not to incurr any penalties or charges, but have been told we are missing out by not using one (in the right way) and just sticking to our…
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Tesco 0% purchases credit card reset
Hi all, I am hoping you can help with this. I am wondering if there is a way to renew the 0% period on a Tesco 0% purchases credit card. I am an existing card holder and the 0% period expired a while back. I am currently using it for any Tesco purchases for the points (paying off in full each month), and using a 0%…
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Santander 123 Summer Bonus
Something to beware of.... I booked and paid for my holiday through a travel agent who are included on the list for the Santander 123 Summer Bonus. However, when the statement came from Santander it was listed as payment made to the tour operator rather than the travel agent so I didn't get my 1% bonus. On the confirmation…
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Does Halifax Clarity card say "Clarity"?
I know that the Halifax Clarity card is currently the best to use abroad. But I'm a bit confused. I've already got a Halifax card, but it doesn't say 'Clarity' on it so I assumed it was not a Clarity card. When I looked on the Halifax website in order to apply for the Clarity card, the card pictured looks like mine, same…
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Credit Card Question
I have a Luma Card because I couldnt get anything else. But I have now received a Barclays Initial Card which I think is better. They both have the same credit limit. I might not want the Luma anymore. If when the next statement comes I pay it off in full (£100) is on there so I leave the balance at nil is there anything…
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Help me work out my minimum payment please??
Okayy, I have a credit limit of £250 if I completely use this with an apr of 49.9% (aqua I know) what will my monthly repayments be?? I plan to pay of £70 a month but just wondering what it will be. Thankyou x
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Question about Travel Credit Cards
Hi, I'm going to Poland with my girlfriend for 5 days in August. Read on MSE that the Halifax Clarity Credit Card offers the best value for money, over getting cash converted into Polish Zloty. We're budgeting £350 each for the holiday, so I was going to apply for a £700 credit limit when I get the card. But I just have a…
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High number of credit accounts
Hi I have an excellent credit rating but I have a quite a few credit accounts. I have 2 loans with an ex that are both of quite high value, he took them over when we split up so I don't pay for them anymore and are just mine in name. We were unable to take my name off of the loans as he had just gone self employed so…
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Debit card limit
Hello, I need some advice on how to limit my wife's debit card. We have a join bank account but I would like to put a weekly or monthly limit on her debit card. I spoke with HSBC but they do not offer this type of services. Is there a bank that offer these solution? what options do I have? Forget about speaking with her, I…
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cc use it lose
Recently changed banks Ie lloyds to nationwide,had a cc with lloyds for about 20 years with a £15000 limit not used for a while as no need toand nil balance! just had a letter saying they dropping it to £500 and canceling the cc in two months because i dont use it often enough any thoughts on this ?:o
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repaying early/adding credit before payment is taken
Hi there, I have a credit card which I use to buy a few things each month and then pay them off right away when they appear on my bill. I am doing this to try and boost my credit score. I was wondering if it would not have the credit boosting effect if I payed the bill before the money was shown to leave on my credit card…
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Tesco credit card. Worst customer service ever
We used to exclusively use a tescos credit card due to their excellent reward program. Always paying off balance in full every month, and never exceeding credit limit. The stopped a purchase as part of their fraud prevention program, but would not speak to joint card holder. This was inconvenient and slightly annoying, but…
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Chain stoozing...
I'm sure it's possible but how would it affect your credit score? For example, You get a no-fee card with no interest on purchases for x months, spend it to the limit (on purchases), then pay it off in full before the interest-free purchases period ends using interest-free balance transfer to a new card. I would expect…
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Buying Furniture from Harvey's Furniture
(Not sure if this is the right area?) Just watch out with Harvey's Furniture, I placed a order for some Furniture and it was not cheap, Decided that I didn't like that set and then cancelled the order to then order the one I wanted from Harvey's after visiting the store, however they told me that web orders take 30 days to…
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Aqua?! I'm so confused?!
Hello, I recently applied for a aqua card they provisionally accepted me and told me they would be in contact by post! I received nothing for over a week but today I received a letter telling me my pub number and my card will follow? But I have also just received an email asking me to use their credit rating checker and…
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AMEX Gold vs Platinum Cashback Vs BA Amex?
Hi all, hope you're well! :) I have had an amex platinum cashback card for many years and have used it to spend on instead of my debit card to rack up cashback over the years. I'm an average spender, nothing for business or anything excessive, just personal use. I have read the MSE articles, but am a little confused as to…
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Credit card protection?
Hello,i wonder If anyone can help with my possible problem? Bought two new sofa,s from DFS,one has a problem and the store is sending someone out to inspect it on monday,we paid for them both on a Halifax credit card,deposit of approx £400.00 and payment of £1000.00 on delivery but have since payed the card off and closed…
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Please help (Experian).
I applied for a new mortgage about two weeks ago. I received a decision in principle and so to progress the full application had to send off all my documents (driving licence, utility bills, salary advices, bank statements) to the mortgage broker. Yesterday the broker rang me up, told me there was a problem with the…
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How do I pay into my Debit Card with my Credit Card?
How do I pay into my Debit Card with my Credit Card? I need to pay into my Nationwide Visa Debit card/account, using My Barclaycard visa credit card What are the options? I also have a Thai Debit Mastercard.(if that helps) I am staying in Thailand for a while and do not know of any Barclays/Nationwide ATMs or offices here,…
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0%Interest & 0%Fee
an interesting development from Barclaycard.. http://www.barclaycard.co.uk/personal/plat-low-bt-fee?WT.mc_id=C124L011N91&WT.tsrc=Aggregators&TC=LVM0330403&mpch=ads
