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Starter Card
I am on a somewhat small income but I've read that sensible use of a reasonable credit card can help boost your credit which is beneficial in the long term future. But I know very little about credit cards. I hate all the numbers and stuff as I have dyscalculia (yeah, real thing!) I just really need some advice on what to…
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Section 75 protection for investments?
Hi, Everybody! I stumbled upon a website which offers products (basically an investment, but not sold as such as no financial advice is given), which returns a small amount of money each week/month/year depending on what you buy, getting a return a little higher than i'd get from my current portfolio. This is attractive as…
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Section 75 protection question.
Hi All, Does the section 75 protection for credit card purchases over £100 still apply if the amount paid for the purchase using the credit card is paid off? Thanks Stephen
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Credit card,charge card or what card?
Currently have a BA Amex card which collects Avios. I pay my card off fully every month by DD and wondered if there is a better card I should be using that has better benefits?
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American Express/BA American Express
My DH has had an American Express card for many years. It is not used often, usually only on holiday once or twice a year. We are looking to boost our Avios and wondered what the chances would be of changing cards to the BA card? Could it be done through American Express or would he need to cancel one an apply for the…
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MBNA Interest Rates
Just had a very interesting chat with MBNA trying to get my Interest Rate reduced. Apparently there in nothing in there system to allow interest rates to be reduced! Obviously there is to increase them though. I asked to speak to customer loyalty, as I have held a card with them for near on 18 years and it is always in…
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Credit card, taking on someones debt.
Hi. I would like some help regarding myself taking over someones debt. Please I do not want to go into details why this is happening its purely my choice to help out a family member for a while until circumstances change. All I am looking for is help on how I can do this in the cheapest option using a credit card on a 0%…
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New Day Card Services
Not sure where to go with this one so any advice would be much appreciated; I purchased a chair from Laura Ashley just over a year ago and took out a credit card to take advantage of a discount. I paid the full balance off before incurring interest and haven't used the card since. The chair ended up being returned and I…
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Pre-selected Argos card, where are they getting address from?
I'm into the last month of my post redirection after moving house two months ago. It's trickled down to nothing seeing as all my accounts have been updated with new address and electoral register notified (although they stated I won't be on register until dec). Anyway today a preselected Argos card popped into my letter…
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Did you have trouble signing your Sainsbury's Mastercard?
Sounds ridiculous, I know. But I just received a Sainsbury's Mastercard (18months 0% on purchases and balance transfers, double Nectar points or something). £12K limit. Firstly, it's not contactless. That's a pity, but never mind. Here's the stupid thing. I can't sign it. I usually use a ballpoint pen for sig strips - but…
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Help! Argos Card issues!
On Thursday the 16th of October 2014 at around 10:20pm I started an Argos Card application but did not get to complete it because at 10:30pm the website went down for essential maintenance. At that point I didn’t know whether or not the application went through – so I tweeted Argos and Argos Helpers to ask but got no…
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worth using 0% cash towards mortgage?
I've just got a new card for balance transferring (0% for 24 months) and the issuer (MBNA) have given me quite a reasonable limit (reasonable compared to the Natwest student card i'm closing with a £500 limit), leaving me with £2000 left on the card. I'm currently making token overpayments to my mortgage of £30/month -…
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Default Notice
Hi guys I wondered if anyone may be able to offer some advice. I had some financial difficulties around 2008/09 which are now cleared up. However a couple of credit cards I had at the time with MBNA defaulted. Dont get me wrong, fully appreciate I am suffering now as a result of what happened in the past which is no ones…
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credit card application not showing up on credit file
Last month I aplied for a Halifax credit card but got rejected. The search has not shown up on my credit file. I was wondering why this would happen. Could it be I was rejected on some criteria I had entered before the application got to search stage? or could the application not have gone through at all as I didn't…
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Applying for Credit
HI Friends, I would like to know what should be the gap for applying for credit when your credit check is going through. I know if it is declined you should wait for 6 months. Last month I needed around £ 5000 pounds. I did not knew about money transfer credit cards so applied for a loan and got the loan at 16.4 APR. So…
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American Express Platinum question
I have just been accepted for Amex Platinum Card. There is an annual fee of £25 so wanted to ask when is it payable eg straight away or in 1 year time? Also when the cashback is payable? Eg every January or at the cards anniversary? And finally do they charge the £25 before they pay cashback or after? Was wondering if it…
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M&S Credit card cancellation
Hi, Today I rang Marks and Spencer bank customer service to cancel my credit card that I have for the last 2 years. Customer services refused to cancel my card citing the reason you have to pay full balance first before we can cancel the credit card. What is the official policy of Financial services authority? M&S card is…
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Avoiding bank charges in NZ/Aus
I have a Halifax Clarity Card for overseas cash and it's worked well in Europe. But I'm off to Oz and NZ soon and their banks charge for withdrawals using a foreign card except for Westpac who waive the fee for those issued by a Global Alliance Partner. It seems only Barclays in UK are in the Global Alliance and obviously…
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Do MBNA still merge cards/limits?
I have two MBNA cards. A new one, got for the no transfer fee option and a standard replacement for the now defunct Amazon card. I don't want the standard replacement Amazon account now, it's of no use to me, so do MBNA still merge limits like they used to and close one account? If so, is there a preferred way to request…
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Transfering balances from two peoples cards onto one card
Hi! I could do with some advice on credit cards. Currently my husband has two in use and I have one. This doesn't make sense so I'd like to put all balances on one card that we can both use. Can you do this? They are with three differant lenders currently. Also how are we best to go about this, should we transfer all…
