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What to do if made overpayment to credit card and is in credit by large amount?
I have a credit card from aqua credit card provider with £2500 credit which I only use to make big purchases and pay it in next statement. This time I made 2 purchases totalling over £1800 before Christmas which I needed to claim from my employer. I was not sure if I had direct debit setup or not for this CC and my…
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Does it matter which credit card you have to improve credit score ?
Hi. I currently have multiple bank accounts but my main current account is with Halifax. I would like to have a credit card purely for improving my credit score. With this purpose in mind, does it matter which credit card I open? Would it be best to open a Halifax credit card or will it not matter? Thank you for reading
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Balance transfer over payment
Hello all! Positive start to the (nearly) New Year. I've been accepted for a 0% Barclay Card to transfer my two other balances to. I tried previously and was unsuccessful. Because of this, during the application process I rounded up my credit card balances to speed up application. IE: Actual balance: £2345 Declared…
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Is it important/worth having a credit card or better to use a debit card abroad?
Hi, I currently have a Barclays account which I opened when I relocated to UK. I only have a debit card and I am 30 years old. I will probably apply for a mortgage in the next 2/3years to buy a house here in UK so I wanted to ask you if, based on your experience, do you think it is important to apply ASAP for a credit card…
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AmEx Preferred Rewards Gold - Avios Points
Hi, I have the above card and hope to get the 20,000 Amex points and convert to Avios points. Once I do this, I plan to stop the card and apply again. Does anyone know how long I should wait before applying again to allow me to get the 20,000 points deal again?
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Do you have the Amex Plat Everyday credit card? How much cashback have you earned so
Do you have the Amex Plat Everyday credit card? How much cashback have you earned so far?
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how does freezing credit card affect credit score?
My OH has £7000 of credit card debt which he is struggling to repay - he just about makes the minimum payment so the interest just mounts up and the capital never reduces. I want him to negotiate freezing the interest but he is worried this will affect his credit rating - does anyone know how long for? his preferred way of…
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Completely new to credit cards, need some help.
Thought i'd never touch credit cards but just been tempted by 0% purchases credit cards. I'm only 19 but I am in full time employment and am currently financially sound with no debts and no monthly bills, done a few applications for these cards and the best I have been offered is a 23.9% APR rate with a 19 month 0%…
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Lost driving license
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Barclays Initial....poor credit.
Hi, I have other threads in the Mortgage forum etc explaining my credit as I'm after a Mortgage next year. Any road I got excepted for the Barclays Intial in April 13 after previos CCJ and defaults. They're all about dropped off now bar two that drop off soon. Once excepted I had £1200 limit Then it was raise twice up to…
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Counterfeit Products Purchased Online via Credit Card
Hi all I bought a jacket online through a .co.uk website on 14.12.2014, paid through my Mastercard and the value stated on the website was £129.63 I didn't receive a confirmation email which raised suspicion and when the payment processed onto my credit card online statement, it was a Hong Kong company and the value…
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Two Amex Cards?
I was always under the impression that you could have two Amex cards as long as they are different types e.g. one Avios and one Cashback. My Platinum Cashback Everyday first year is almost up, have earned £130 cashback so far, so worth doing again. I was looking at the British Airways Credit Card and did the MSE checker…
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Santander 123 card - petrol station purchases
If you use the 123 card in a petrol station you get 3% cashback on the petrol/diesel. If you buy additional goods at the same time i.e confectionary/cigarettes/food etc do you get the same 3%? Or in a Sainsburys/Tesco/Asda petrol station do you get 1%?(as you would for normal supermarket purchases) I have looked at the…
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pre paid debit card
is it possible to get a prepaid debit card like visa debit but not a credit card
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looking for store card advice (burtons-newday)
So 10 years ago i took out a store card with burtons i only had a £250 credit limit i were making regular payments on top of the minimum payment. My last purchase was in 2006 but the card was almost up to its limit i fell into money trouble with reduced hours at work and was only paying minimum payments since then. Newday…
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Halifax 0.8% Credit Card
Hi all, I'm looking at the Halifax 0.8% Credit Card but am finding it very confusing. To me this says that I won't get charged on purchases until the 15 months is up: Interest - rates - - 0% p.a. for Purchases. This rate is fixed for 15 months from when we open your account. But this seem to say otherwise (to my brain…
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Sainsbury's 123 - Cashback on online shopping??
(Sorry about the Sainsbury's 123 in the title... I mean Santander!!) I am considering getting a Santander 123 credit card as I have heard good things about it. It says you can get cashback on shopping in certain places. However I do the majority of my "big shopping" online; I do a big online grocery shop on Sainsbury's…
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Kalixa - Nobody is available to take your call at the moment
I need to contact Kalixa; I ring them and sit in a queue for about 5 minutes and then get: "Nobody is available to take your call at the moment", and the line hangs up. That's annoying!
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Proportion interest-free
I need some help. I have a credit card on which I have transferred interest free debt from another card... will last for 6 months or so. However I also had some debt, not interest free on there. The statements do not tell me what proportion is what. Any idea how you get a breakdown of what proportion of debt has what…
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Barclaycard Transfer funds to current account
Hi all, I'm looking to purchase a used car to get with my new house (all happening at once isn't it! - though touch wood on the house...) I am looking to borrow approx 4k. Now, reading through all the articles, it suggests that a 0% credit card with a low money transfer fee is the way to go. I am currently with Barclaycard…
