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Holiday Credit Card
I've just successfully applied for the Halifax clarity card. We going to S. America for a long holiday and visiting Peru, Chile and Argentina. I was looking into prepaid cards, but they all seem quite expensive to operate outside the Euro or dollar zones. An alternative would seem to be to use the Halifax credit card as a…
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New Credit Card for Annual Season Ticket Purchase
Hello everyone, I have a quick question regarding which credit card would be the best for purchasing a new Annual Season Ticket I need to purchase at the start of 2015. The cost of my ticket will be £4,200(ish) and I have looked at the best cashback credit card deals on the MSE Website. I think the AMEX Platinum Cashback…
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close sub prime cards?
I have currently a Capital one card (£250 limit, opened 18 months ago) and Luma card (£1500, opened 6 months) which are both paid in full every month and today I have been accepted for a MBNA card with a £2500 limit! I understand that MBNA is a not sub-prime card, so would it be better to close the capital one or Luma…
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AMEX Platinum Cashback vs Barclaycard Cashback
Hi, I switched my Freedom rewards to B/Card cashback I'm also in possession of a AMEX Platinum Cashback - Seeing as AMEX gives me 1.25% and B/card gives me 1% for AMEX side and 0.5% for Visa it would make sense to cancel AMEX right? The reason I think this is as AMEX has a £25 annual fee and B/card doesn't,id effectively…
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Balance transfer question
So, I finally got my husband to let me deal with his credit cards. His mom has lent us some money to clear one of his credit cards (interest free), but I am trying to tie any lose ends. This is very convoluted, but here we go. Card 1 Over £2k Card 2 Roughly £700 We are paying most of Card 1 with my MIL loan, but Card 1 is…
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M&S hasn't honoured £30 wine voucher promise
I got an M&S credit card via a MSE link - they were supposed to send a £30 wine voucher by today but no sign of it. Has anybody actually received it and any suggestions? Feeling a bit cheated.
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Credit card explanation needed!
I know that this is going to sound silly but I have never had a credit card before so I know nothing about how they work. I keep hearing that if you pay off your balance each month you do not get charged any interest but I was wondering how this works? Do you wait for the statement to come and then pay off or do you have…
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American Express Platinum Everyday Cashback Card
Just completed an app for this card. It said I'd get a response within 60 seconds but now it's saying they'll get in touch with me in 10 days time? Anyone else get this message? And if so, did they get in touch via post or email? And was it 10 days later, or did they get in touch earlier than 10 days? Asking because, I'm…
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5% cashback ?
I have a Halifax cashback card -the max it pays is 1.5% on supermarket spend.I got my annual statement and by my calculations i've got 5%in cashback.They had an promo offer for 10% off Morrisons- which i used card about 6 times (biggest amount was @£70) - but even that could n't bump up the annual cashback to 5%?
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£7k balance, 0% ends - what should I do?
Hi My question is - what's my best plan of action to get a long 0% balance transfer for approx £7000 at the start of 2015. Should I hope Barclaycard comes up with an offer? Or should I close CB or Barclaycard now, to reduce my overall limit and apply for another such as MBNA? Background info: I have three credit cards as…
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Balance Transfer Question.
Hi, I am somewhat new to a lot of this and I just had a quick question that I was hoping to get some help with. I am currently paying of a Co Operative Professional and Career development loan, with an interest rate of 9.9%. My question is, can I use a one of the current balance transfer offers to make it cheaper to pay…
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Problem with Barclaycard
I'm in my first month of having a Barclaycard. on the 23rd of September I went online to pay my bill. The system crashed at the point of authorising the payment and logged me out, i stupidly went back in and made the payment, i then discovered the payment had been taken twice from my bank account but only credited once to…
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Po & argos bal trans problems
Hi just wanted to know if anyone else has experienced any problems with the post office credit card accepting balance transfers from argos cards due to the card having too many digits. I have had a complete nightmare. I applied for the 18 month interest free bal transfer with post office. However, they are not able to…
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Earning Points On Spending In The US
Hi MS experts. Does anyone know the best credit card to earn point when spending in the US. I currently have a few US based subscriptions and I wondered if its possible to earn back on those? Thank you - :beer:
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Avios with Lloyds AMEX- big spend
Hi all, Just wondering what your thoughts are- Im buying a motorbike on Saturday morning, which is gonna cost me £5500. I have the cash available through savings to pay for this. However, im considering paying for it on my Lloyds AMEX, (and then paying off balance the same day with my savings). The reason being that I can…
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£30 Marks and Spencer Wine Voucher offer - Anyone had theirs
Hi all My wife and I both applied for and were accepted for the Marks and Spencer credit card. It was a direct marketing campaign through moneysavingexpert/moneysupermarket. Supposedly if you applied before 31st august and spent on it before the end of september you would receive a voucher via email. Its not the 5th of…
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Credit card headache
Hi all. My husband and i have 2 credit cards at the moment. One we are paying low payments to as its still in the no interest bit for another few months. The other is up to its limit and am paying over £100 in interest alone each month. We are trying to apply to another card so we can transfer the balance but keep getting…
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Paid holiday deposit on credit card, can I get it back if hols cancelled?
Apologies if this is in the wrong (bit of the) forum? This is my first post. In July I booked a (n expensive) holiday & paid the deposit on my credit card. I had to pay the balance by debit card at the travel companies insistence. I have had to cancel the whole holiday because of medical reasons. I ought to get some cost…
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Credit Card - Working in Lidl
Just a heads up for cashback card holders, Lidl seems to be taking credit cards now - my Mastercard credit card just worked in the Taunton branch. Ah, the joys of Lidl pricing AND 4% cashback :)
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Money Transfer Cards - how many times?
I have just applied successfully for a money transfer card but the credit limit is lower than I wanted. Can I either ask for an increased limit or apply for a second card? Not sure what route to go and whether it is detrimental to me financially. I need £2k more to fulfil my task. Hopefully someone more knowledgeable can…
