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Where to get my first credit card
Hi guys, I am thinking of getting a credit card to build some credit history and utilise my work trips. I have been in the UK for 3 years now, with no debt and a good income. A friend recommended getting an offer from a shop or hotel rather than applying at banks as that will be easier and the benefits are often more…
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NAtwest CC
My friend has applied for and been given a CC with Natwest, and has been told about £25 fee if not used. and will not get the fee if it is used. Does anyone know if this is a one off fee or if this is a monthly thing, i.e. if not used every month then any month not used then £25 fee? I'm not impressed with it and would…
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email from Halifax offering 1% cashback
I have received an email from Halifax offeriing me 1% cashback on purchases made with the card in a certain perio.I have to ring an 0345 number to opt in. Has anyone else received an email and how do I know it's genuine? Yes, they have put part of my postcode in the email, but scammers today are always one step ahead. One…
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Transfer balance to a new card or wait until I have completed on property purchase?
Hello all, Not sure if this is the right place to post this.... I have a 0% card with Santander that expires in about 3 weeks. Should I transfer my balance to one of these new low 0% or wait until I have completed on my property purchase? I currently have a mortgage offer from Coventry and I'm just waiting for my…
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Barclaycard cancelled before the card reached me
Hi all. I recently applied for a Barclaycard and was successful in getting one with a £10k credit limit. I was going to use it to B/T just under this amount and close old cards down. I had recently had a successful application for a Halifax credit card as well. Upon receipt of the card, I tried to create an online log in…
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Maximising use of 0% on purchases
I have just acquired a 0% on purchases for 27 months credit card from the Post Office with a limit of £4,500. I was planning on using it for everything I buy and then using what I have in my current account to overpay on the mortgage. I get that the danger here is roll forward 27 months and I have £4,500 on my credit card…
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Giving card details to budget foreign hotel
I am trying to book a hotel abroad and the cheap hotel say they want my card details to reserve the rooms. I am reluctant to do this for obvious reasons but appreciate your comments and tips please.
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Change of pymt date
A quick quesr. I am finally in a position to pay off my Nat west cc off in full each month. I always paid the minimum by dd then made over payments. My dd always came out on the 5 th of the month. Now I have changed to pay the full amount by dd they have changed the date it comes out to the 26th, 9 days earlier, can…
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newday cards (AQUA)
hi all, first post here but a long time viewer. im having an issue with Newday Cards AKA Aqua credit card. back in 2012 i recieved a new card from them on a new account, it was used once at a petrol station and unfortunately my card was cloned and maxed out. i sent all the correct forms into the CCC and low and behold the…
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Amex Direct Debit mystery
The direct debit for my Amex PRG charge card is set up for the 11th, and has always come out of my account previously on that date - so I know the DD is set up correctly. It is still showing in my direct debits on Barclays online banking as active. Anyway, Amex now shows my balance as having been paid in full by DD…
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Closed Barclaycard. Still showing on credit score.
I closed my Barclaycard last month after I transferred the £3000 balance to a new 0% card with another providor. When I checked my credit score today, it has a red mark on credit card usage claiming that I have 3 cards with over £7500 usage. In fact I only have two. It seems BarclayCard hasn't been marked as closed. How…
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Cashback on Clarity Credit Card
Hello, I currently have the Halifax Reward current account and receive the £5 monthly reward. If I was to apply for the Halifax Clarity Credit card would I be entitled to £5 a month cashback on that as well? On this MSE site it says the Clarity credit card gives £5 cashback but on the Halifax website I can't see anywhere…
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AMEX platinum everyday cash back as go-to CC?
I'm a student looking for my first "real" CC. I already have a student CC with Halifax, but looking for something long-term. MSE recommends the AMEX as it provides cash back on everything you buy with the card, is it worth the time? I won't fully utilise the 5% cash back for the first three months because I won't spend…
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Charge Back Issue / Section 75
Hi All. and I wondered if any could advise, My mum had been clamped recently however it was the previous owner the car that had the offence. I tried explaining this to the baluf they weren't interested and forced me to pay the fee to have it unclamped, I subsequently did a chargeback, but anerror with the paper work from…
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Want to transfer balance, which credit card is best and other queries
Had some really lovely people advise me in the other forum (thank you!) and so this is a question about my credit card and transferring it to one with no interest which I've been told I can do... I have £2,300 on an MBNA card.. I have about £40 to spend so its almost maxed out. I make the minimum payment every month by DD…
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Credit, Debit or what? that is the question.
"Of the two, credit and debit cards, which is safest to use when purchasing items on the internet?", that was the question posed to me by my wife when she learned that someone had tried to gain £7000 off her sisters credit card. I said it has always been my understanding that credit cards offered more or better security,…
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Avios Cards - worth it?
I'm thinking of switching from the MBNA rewards card to one of the Amex Avios cards, and I was just wondering if anyone had any thoughts. Do people generally find these worthwhile? I'm debating whether it's worth the £150 annual fee on the premium card to make sure I get the companion voucher (we probably spend £12k ish a…
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Barclaycard limit increase online
I applied online for a limit increase on my Barclaycard (expecting an instant decision), however I was instead informed that further checks were required and I would need to contact them directly. Has anyone been through a similar situation with Barclaycard?
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Barclaycard statement delays
Barclaycard changed their statement production routine in January. Since then it take three days from the statement date to access the statement online. Repeated complaints have just received boiler plate repliesd sating that they are working on it. Three months to solve a simple PDF production problem? Sheer incompetence…
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Transferring Card Balance From Foreign Card To UK Card
Hello, I am wondering whether it is possible to transfer a balance from a foreign Credit Card (in this case, a Swiss one) to a card in the UK to get a 0% rate. I have tried with my UK Barclaycard online and got the expected general failure. Does anyone know of a UK card that can accept a foreign balance or it this legally…
