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I used the MSE soft search and got accepted!
This is my first ever credit card, wanted to get one for a while to build up my credit rating so kudos to Martin. :beer: It's the capital one. Plan is to use it to buy stuff i do anyway and use the CC to pay it off to build up my credit. I set up a direct debit with a set monthly amount. So how long should i keep the card…
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Specially selected to apply for a Tesco clubcard credit card
Recieved an email today about the tesco clubcard credit card. Email says I have been 'specially' selected to apply. Is this just marketing bumf, spam to be deleted or have they actually selected me? Email came from: tescobank@email.info.tescobank.com I have a club card and car insurance with them so I'm guessing they got…
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Can a company still charge your card account even if the number changed?
I bought a service last year with my old debit card, that was registered to my old address. I moved out mid way through the year and into my new place but during the move, my wallet got nicked, including said card. I had it replaced and the new account registered to my new address, pretty straight forward. Going back to…
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Withdrawing cash from credit card??
Hi, I have a HSBC credit card and thanks to a refund taking ages to come through to my graduate debit account, I need to withdraw some money from my credit card to put into my graduate account to cover me until I get paid on the 21st July, so in around 19 days. The interest on the credit card for purchase is 18.9% I think,…
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Giving up on Amex cash back card.
I got one of the Amex Platinum Everyday Cash back cards after it was recommended by MSE. All went well until I actually tried to use it and retailer after retailer rejected it. Apparently Amex charge a small fortune to process payments. I've just got back from Canada where it was rejected in several restaurants for the…
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Barclaycard retentions
I have today spoken to their Retentions dept and asked whether they could offer me interest free on purchases. The guy was very helpful and has offered me a 12 months deal on all purchases. I made no threats about giving up the card but just advised him what I wanted. Keeping life simple.
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Is MBNA charging me double interest each month?
Hi, unless I am truly mistaken and my mathematics capability has dropped 100% overnight, MBNA is charging me the same interest twice each month. I have an MBNA credit card where the minimum repayment is 1% of the balance + monthly interest. My May statement reads as follows (there has been no spending on the card for last…
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Post Office Matched Credit Card
3 phone calls (0845) and still cannot resolve accessing my account online. Further, Post Office employee`s based in Ireland will not phone me back. Firstly, not issued a 6 digit security number. Then, on issue, the number doesn't work. Now the second number doesn't work, and apparently this is because they have issued a…
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Ways to improve credit rating?
Can anyone recommend methods for how someone with no credit history can boost their credit rating prior to taking out a car loan, in order to minimise interest charges?
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Weekly Payments on Credit Cards?
Hi, Any advice on paying a credit card off in full once a week? would it have a positive or negative effect on my credit score? My limit is £500 a month, I initially set a direct debit to take full statement balance but found this wasn't working for me as I was getting close to the limit each month and didn't want to risk…
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Halifax Mastercard Overseas Charge
Having followed MSE's advice I used my Halifax Clarity Mastercard whilst on holiday in Italy. On every transaction I have been charged a "Non-Sterling Transaction Fee", which equates to 2.5% and wipes out the difference between using the card and using cash.
