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Using Amex at Post office
I'm a small business owner/online retailer and for convenience I use the Post Office's Drop & Go Service which utilizes a card which I top up at the post office & they do the rest, taking the cost of postage from the card balance. Incidentally & annoyingly they haven't yet introduced online top up so it's currently more…
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Buying car insurance on credit card
Hi, My car insurance is due over Christmas and I was thinking of purchasing it on my credit card. My question is, I have heard in the past that there are certain things you shouldn't on your credit card such as use it cash out money etc. Does anyone know of a reason why credit cards shouldn't be used to buy car insurance?…
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Santander 1-2-3 Credit Card
Hi all, Got this card over two years ago but have not used it in the last year and a bit. There's an annual £24 fee. Last year I forgot to pay on time and paid interest even though I didn't want it. Rang them up this week to cancel the card as the annual fee is now due. They refuse to cancel it saying they can't close the…
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Lloyds Credit Card
I have a lloyds credit card which has a couple of the balance transfers. The statement I receive lists the balance transfers but not when they expire. On my November statement, it states that next months estimated interest is £0.00. I have received my December statement and I have been charged interest as one of the…
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Shop Small American Express
The spend £10 get £5 statement credit on American Express promotion. Very hit and miss on the list of participants. First of all, need to register your card before 6th December, which I did. Managed to get two £5 statement credits so far, which is good, but one £5 deal per merchant, so can't use those restaurants again.…
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Advice please.
I bought a set of 3 suitcases before I travelled (received in last month) but they are all scratched over the outer casing and slight damage to the cases. I left one at home and the outer thin plastic is peeling off and slightly scratched. The company I purchased from state not faulty and not acceptable to return.
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Im having trouble with Vanquis Bank
I have been with Vanquis bank since September 2014. Everything was fine, I paid before my due date and then in October I had a letter from vanquis saying they are trying to contact me and to call them. so I called them straight away to find my account had been tampered with and they was going to send me a new card within 5…
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Amex Preferred Rewards Gold Card
Hi Folks, In May 2013 I applied for the American Express Preferred Rewards Gold Card (https://www.americanexpress.com/uk/content/gold-card/) and I cancelled it before the year was up in May 2014, although it still appears on my login, but correctly identifies as cancelled. I then applied for the American Express British…
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Help choosing the right credit card
Hi – I have 10k on an HSBC credit card which I'd like to transfer to another credit card provider so I can start to clear the debt. Currently I can only afford to pay the minimum amount which is roughly 200 per month at 18.9%. Although I can't work at the moment, I am self employed with my own business and will start…
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Credit Card & Paypal Query
Hi, I am due to get my car repaired (bodywork) and due to the time of year and in process of completing a house purchase I was going to pay the £300 quoted on my 0% interest free for 29 months credit card. Problem now is the garage doing the works dont take card payment :o I was wondering if it was possible for me to take…
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more barcalycard praise
12+ year customer a good few months ago I rang Barclaycard for a apr reduction the said yes and reduced it to 15% I then 6 months ago took out a a 32 month platinum and was given the best possible apr of 18.9% last week I applied for the new 11.9 apr card, got declined, but has now been referred to appeal (quite happy to…
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CC purchases through Paypal
Are CC purchases through Paypal classed as 'purchases' or 'cash advances' to the CC provider? EDIT: Its an invoice sent through Paypal.
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Frustrated with Barcley cards
Hi I haven't posted anything on here before but I would really appreciate done advice i am £19000 of debt between Barcley Mbna sainburys loan and a overdraft with Santander, i have started a DMP with step change last June and all of thee above have reduced the interest to £1.50 per month but Barclays has only reduced it…
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Capital One Refund
Hi all, Just a heads up. I recently went over my credit limit (a timing issue) on the Capital One card and got a £12 fine. I rang them up and said I am happy to pay the balance off in full now but I refuse to pay the fine. They accepted as a 'goodwill' gesture. I also got the impression that I wouldn't have needed to offer…
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Which is best to apply for?
Hi Which credit card is best to apply for if I have a poor credit rating/score? I want a card which I can use to improve my credit file by using for small purchases and paying in full on a monthly basis. What I don't want is to damage my credit rating/score by having lots of failed applications. My credit history is not…
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Settling Credit Card
Hello all, Just looking for a bit of advice for my parents. The other day they received letter from their credit card company to say that they are due a refund of £10,000 due to a banking error. At the moment, they owe the following, all with the one bank: £14,000 on Credit Card A £1,500 on Credit Card B £3,500 overdraft…
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refund on credit card?
Hi all. Need some advice. I bought my daughter a sweat shirt from the beyonce store. I paid by my credit card. I had the confirmation on the screen when my computer crashed. When I logged back on I had no confirmation email. I contacted the company by way of a contact form asking for confirmation, heard nothing. I have…
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Turned down for a contactless debit card (Barclays)?
Hi, When I opened my account with Barclays in May I did not receive a contactless debit card (apparently you have to ask for it). It's not a huge deal but it would definitely be convenient so I called Barclays and said "Hi, I would like a contactless debit card". The first thing I find a bit strange is that I had to book…
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Barclaycard 34month b/t card. Advice please
I have just been accepted for the above card with a large limit and full 34month 0% offer! After I picked myself up off the floor :rotfl:after years of never applying for anything main stream, I figured if I t/x the two small outstanding amounts they'd be paid off in less than a year without even altering our monthly…
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Memory loss!
I remember seeing an article in early November about applying for a M&S credit card and getting a good reward if accepted. I've just come back from a 3 week holiday and I can't think for the life of me what it was!!! :eek: I'm going through the stack of post since returning yesterday and I've got the paperwork from M&S to…
