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Using Halifax Clarity credit card in Greece
Hi all, Hope this is the right place. I am going to Corfu to visit family on Saturday and have a clarity card. I have never used this abroad although I know it has 0% foreign transaction fee. I usually buy euros but according to the home page this credit card is good for using abroad. Could anyone please advise the best…
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Credit on Amex
I'm hoping someone will have the answer to this one for me as google isnt to helpful with the search terms I've been using. I've recently had a fair amount of cash refunded to my Amex card after cancelling a hotel booking with Expedia as they don't honour their best price guarantee when its the exact room, dates and so on…
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Advice on APR
Hi, I'm after a bit of advice with regards to a credit card I have. I've recently re-financed to consolidate some debt and do some home improvements and I have money in my current account waiting to clear a couple of cards. One of the cards is puzzling me a little bit... Because I tend to use an app to manage the card, I'd…
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Funkyclock.com
Has anyone every heard of or dealt with these people? My father considered entering a 'competition' at the cost of £1. He said he entered all his card details etc then thought better of it and cancelled it. However when he got his statement, they had charged twice, one transaction for £1 and another for £74. I've emailed…
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Complicated Credit Card Fraud Help
In January I discovered that my CC had a charge to a online TV subscription service which was not mine. I called the bank and they stopped the card & issued a new one. I also phoned the merchant who said they would stop the charge. I did not even have my new card in my possession yet when a new charge was made on the new…
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Paying off credit cards - reduce limit or not?
I'm trying to pay off credit card debt and improve my credit score. Is it better to reduce my credit limit as I pay off the card, or leave the credit limit as it is and get under the half-way mark on how much spending is on each card. I think I read somewhere that the best way of improving your credit rating is to have a…
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Income not enough - but still "80-90% chance of acceptance"?
Hello all :) My finances are in need of a bit of a tidy up, nothing tooooo horrendous but it's not great. In a nut shell, no overdraft, one joint loan with my wife (approx 5,000 remaining) which is always repaid no problem but the stinker is a Tesco credit card with around £5,200 outstanding (£7,000 limit). It's costing a…
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Credit Card Fraud
Hi Folks Having been a victim of credit card fraud this month I would like to know why those merchants who are on the repeat offenders list for credit card fraud are not made to improve their credit card checking during online or telephone purchases I have just been affected by, what I have been told by my Credit Card…
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Reducing APR
Hi, I am looking for a little advice, i am patiently waiting for a few more months when my catalogue default will drop off my credit report and I will have a full 6 years of green ticks. I don't have any debt and I have a good salary and savings but the APRs are still high on my credit cards. Do you think they will…
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Cost of Lloyds DD processing delay
I have a Lloyds Avios credit card. Having received some money into my bank account (non Lloyds) I wanted to clear the balance. For some reason Lloyds have no method through their internet banking to make a payment by debit card so instead I switched my direct debit from minimum payment to full balance. This was in mid Feb.…
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Halifax card balance at 10%
Anyone had any experience of asking halifax for a longer balance transfer period.. Got a letter offering 12 months at 0% but have seen barclaycard offering almost a 3 year deal. Would they / could they increase the deal I got offered Anyone been in a similar situation. Thanks
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Credit Card Refund
Morning, I'm hoping one of you financial whizz kids can answer a question for me:D? I like my horses:D:D:D..... And after Cheltenham last week I have been fortunate enough to win a sizeable sum. The original deposit was from a TSB Platinum CC and the amount owed back to me will repay the balance:j and then some (& I mean…
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Clarity Credit Card or Prepaid Credit
I am travelling to Canada in August and am wanting about £3,000 in Canadian dollars. Do I apply for the Halifax Clarity Card or do I get a prepaid credit card? With the rate being so good at the moment, I don't want to miss out or mess up!
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Best Credit / Debit card to use in Iceland
My Daughter is going to Iceland to study for a year. Can anybody advise what the best credit/debit card to use. She is a student and does not have a job. I am quite happy for her to be a named cardholder on my account. We had thought about the pre-loaded cards however they seem to be currency specific. It is the Icelandic…
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Balance transfers from overdrafts.
Hello everyone, just wondering if anyone knows whether, with a 0% balance transfer card, if I can transfer money I owe from a bank overdraft? I still have a £2k overdraft lingering from my university days and the interest is getting a bit silly. Just thinking if I can do this it would save me money in the long term. Thanks…
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ecashback.co.uk
Anyone know these?They seem very dodgy. They owe me a bit but not a lot. No way to contact them,no way to update profile,no way to receive money. They have never paid out. Help ?
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Worth it?
I have no debts (other than pre-1998 student loans) and have saved 20k ISA (Santander) plus 2k in high interest current account (Nationwide) plus a Natwest account for normal spending. Several years ago, I declared bankruptcy (a CCJ too) due to bad investment and recession but the record has been erased from my credit file…
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Credit Card Choice Clarity or Select
It`s between the Halifax Clarity card or the Nationwide Select card Having looked at both I can`t see as there`s much difference. Opinions please.
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Should I pay off the entire balance or statement balance?
Hi everyone, I'm not 100% sure if I paid my credit card right this month to avoid any interest. So, I just paid February's statement amount off in full (only £25) but my balance is actually £250 because I purchased flights after my last statement was issued. As long as I pay off the remaining balance before March's…
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BT Offers disappeared
I had around £38k of debt on 4 cards and before all 0% deals came to a crashing end, while the debt was there I was constantly getting BT offers. I have very quickly been able to pay the debt off in its entirety and now have no debt at all, but a collective £55k limit plus access to a £2k overdraft that isnt used either.…
