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Amex available credit
Hi, So I have recently received my new Amex everyday platinum cash back card after reading the great reviews on this site as the best cash back card. I have started to use the card this weekend and noticed the total spend I have actually made doesn't equal what Amex is telling me online is my available credit. So, the…
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Section 75 Refunds
I was on a flight with Ryanair which was cancelled due to a French air traffic controllers strike. The flight was paid for using an AMEX card. Ryanair refunded the cost of the flight but refused any additional costs. Can I make a claim on AMEX for these costs (booking another flight, train journey) which had to be incurred…
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Such a thing as too many?
Hi all, Very new to this so sorry if I have created a thread that already exists.... My question is: How will my credit cards affect my credit rating/chances of mortgage approval? I have three credit cards: one with a 0% outstanding balance (Nationwide Flexclusive), one cashback reward Amex Visa combo that I repay in full…
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Accepted by Capital One
Ok...I've had serious credit issues in the past, declared bankrupt in Dec 09 discharged Dec 10. I also had a BRU that was satisfied in Apr 14..plus all the defaults that go along with this. I thought I'd give a go at appling for a Capital one bad credit cards and they approved me imeditley with the maximum £1500 credit…
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Accepted for Natwest credit card with a default?
Hi All, Just wanted to share my recent experience when applying for a credit card, hopefully it might be of use to someone in a similar situation. I have one default on my credit file, registered July 2013. Other than that, my credit history is good, I have had a personal loan over a 5 year term, and also an HP agreement…
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Capital One still paying cashback?
Hello, I heard about the changes with certain Capital One credit cards losing their cashback last summer. Spotted posts on here about people receiving letters to inform them of the changes to their Classic cards (0.5% cashback) However I never received one. Noticed that their cards no longer offer cashback for new…
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MBNA balance transfer
I have a large balance on my MBNA card but I'm paying it down albeit slowly as the interest on some of the portions of debt is at the standard rates. I've just noticed a money transfer offer valid until the end of January 2016 that gives me a life of balance interest rate of 4.9% and no transfer handling fee. The amount…
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Credit Card Debt after death
Apologies if this has been done before..my close relative has passed away and left considerable credit card debt (plus other debt). He had no cash or savings to pay back the debt but the only asset maybe is a joint name on the deeds of the house which his elderly wife is living in. - Is there any advice in dealing with the…
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Be 100% Certain that you'll be accepted before you apply
So, this is the new marketing ploy from Capital One. Why can't other providers follow? Plus, they'll stand behind their answer And, although I can't copy and paste their reply, they claim they stand behind their answer, subject to you not being on a blacklist (like CIFAS, I presume) and that they can verify your identity.…
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Tesco the right credit card for me?
Been looking over the various options on what is the best credit card to take out. I'm not looking to transfer any exist debt, my main purchase is just to collect some form or reward points or cash back. Now I do shop at Tesco a lot (main food shopping source and fuel up there as its the closet) but looking at their Credit…
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Barclays credit card charges changing from Feb'16
Hi All I just got an e-mail from Barclays advisinf me that from Feb'16 their credit card APR's will be adjusted to Base Rate of Bank of England, which effectively means increase in payments around £20-30/ month. They were very ineffective as to actually explaining the reason behind this (they are one of the few doing so as…
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What is a faster payment service?
I need to pay my aqua card and heard they do a faster service. Sorry if I sound stupid but what exactly is that and how do I do it?
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Barclaycard Initial - £20 Cashback
A family member signed up for a Barclaycard Initial credit card a couple of months ago. There was a promotion (still available) to receive £20 cashback after 3 months. The T&C's are here: http://www.barclaycard.co.uk/personal/initial-access-cashback-terms She was only planning on keeping this card for emergencies and…
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Responsible lending - or willy nilly?
Hi all, I just wanted to gauge some opinion on recent activity of my Lloyd's Bank Avios Duo reward card. I'm signed up for paperless. I use the mobile banking app to track my balance. I opened my account back in March 2015 and was offered a very good £9000 credit limit. As it's a reward card, I want to use it for daily…
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Unexpected problem with the Halifax Clarity Card
As a frequent traveller with my work I took the advice of getting a Halifax Clarity card for making purchases and drawing money while abroad. I also set up a direct debit payment with them so any debt would get paid off in full every month. (Or at least that's what is supposed to happen!) However... when you draw cash out…
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Lenders shifting the goalposts...
I'm trying to apply for long period balance transfer cards to allow me to pay off my debts in small amounts over long periods of time. I've applied for one with MBNA and one with Barclaycard and despite applying for cards that offered around 32 months they've only given me 12. The MBNA one is particularly annoying as I…
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First Credit Card Advise, Tesco or Barclays?
Please could someone advise me on what would be best to look into for my first credit card. Reason being, for one off purchases I'd like to spread the cost over. The two providers I prefer, are Tesco and Barclaycard. Can someone give me any advice as I literally know nothing :D Thank you.
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Payment due 17th - shouldn't my DD have been taken by now?
Considering there's a weekend in the middle? It isn't a new DD instruction so it's not that, and I've logged into online banking to check that I haven't accidentally cancelled it. There's more than enough in the account to pay the bill. Should I pay the minimum by debit card just in case? I would end up with the card in…
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Balance Transfer Deals MBNA - too many options!
I have just been given an increase of my MBNA credit card limit and have various promotional offers given to me. I just need a second opinion on how I should proceed. Currently I have debts which are accruing interest of: £750 - Tesco Credit card - 17.9% £500 - Natwest overdraft - 17.9% plus £6 a month - I want this gone.…
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I want an Employee to Use My Card - Which CC Co?
I'm self employed & also have a Ltd Company which takes a lot of the extra profits. My wife & I are higher rate tax payers. I have a Tesco CC which I've had for 15 years & I've never missed a payment, paid off in full every month. I use the card for business as well as private use, so spend up to my limit every month. I…
