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Credit card v prepayment card - best exchange rate
I currently have a Post office platinum credit card which give 0 fees on overseas purchases. I pay off my credit card in full monthly. I will be going to Canada soon and have considered a Post Office Travel Money Card Plus (prepayment card) . However the rate of exchange today for the prepayment card is 1.7666. I have…
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0% offer on existing card - credit checked?
I have a Barclaycard I've used for balance transfers. Because the minimum repayment is quite high (5%), I now have some headroom on the card. Barclaycard has sent me an offer offering 0% on purchases for 6 months. I think I have about 12 months on the card left to run. What I'm trying to work out is what the credit file…
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Applying for 2 x 0% Credit Card Deals?
I haven't applied for credit (other than a mobile phone contract) for years and I think my credit rating is fairly reasonable. My husband's credit rating is unfortunately not so good and we have some debts that we are tackling. My questions: Would it be a good idea (or even possible) to apply for 2 x 0% balance transfer…
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Balance Transfer Back and Forth to get Promotional Rates?
Hi there, I have ~£3k credit card balance with a bank who is currently offering 0% interest for 12 months on balance transfers. I'd like to take advantage of this promotion. I have another credit card with £250 balance and no promotions and a £5k credit limit. Is it possible to perform a balance transfer to my 2nd credit…
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Harrods Amex
Do Amex still offer the Harrods card? is there an annual fee for this card? Thanks.
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Best Card for foreign transactions
Hi, made a booking for a holiday direct and got stung with a foreign exchange fee, what's the best card for free transactions? thanks
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Paypal credit account! I can not use it! Please help
I was trying to make a payment using my paypal credit but it doesn't give me the option to pay with paypal credit?? I have paid using paypal credit balance before without any problem. Now its only giving me an option to pay using my bank account. Any help please? Contacted paypal and they were no help at all!! Thanks
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Will my card be cabcelled??
HI All I currently am with Halifax (current accounts etc) (been with them years) Anyway I am thinking of moving my current account to Santander 123. I currently have a Halifax Visa Credit card Will the card be cancelled when the account closes? I am asking this because the halifax card does not charge an annual fee but the…
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American Express Eligibility
Hi there, I recent applied for an AMEX. I got a letter (handwritten address???) saying they would like: a) An original payslip b) an original bill as proof of address. with an envelope to send it back to them. I find this a bit odd. I have no problem providing these but at this point would they have run some sort of check…
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Bizarre Problem with Post Office credit card
Having a bizarre problem with my new Post Office Credit Card. Received the card, received the PIN, received the six digit security number, but unable to activate or set up online account. Have failed security three times on phone, and numerous times on-line. The reason apparently - as I found out on my 3rd call - is that…
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Section 75 and Amex
Hi, hope I'm not repeating myself but I can't find my post yesterday on this. In his article on the subject of section 75 claims Martin says "To make a claim, you need to contact your credit card company (you can still claim on an account that's closed) not Visa, Mastercard, or Amex. So if you've got a HSBC Mastercard, you…
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Refund - account closed
Hi everyone, Just wondering if somebody can help me. I had aqua credit card, which I haven't been used really, but it was linked to my papal account. I have purchased some concert tickets through it but in the beginning of April concert was cancelled and money should be coming back to my Paypal and straight back to this…
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Can I get this default removed?
I opened a Capital One account when I was 18 (my first credit card) with a limit of £200, of which, stupidly, did not pay at all. Capital one closed my account, I then paid the £200 in full to confirm closure. This was not passed on to any debt agency. I closed it roughly 18 months - 2 years ago. I now have a default on my…
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NatWest Credit Card Address
Hello Can anyone please give me the postal address for the NatWest credit card dept department? Thanks
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Section 75 and Amex
I noticed in his article "Section 75 Refunds" updated April 2016 Martin said "To make a claim, you need to contact your credit card company (you can still claim on an account that's closed) not Visa, Mastercard, or Amex. So if you've got a HSBC Mastercard, you claim from HSBC, not Mastercard." I can easily see how that…
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Struggling with Barclaycard Debt
Hello all, Long story short I am useless with money. I struggle to save and spend as soon as I have it. Latest example of this is I have ran up a £5700 bill on my barclaycard that I am now struggling to pay off. The interest on the card is 12.9% which isnt too high but while I pay on average £128 a month off the card half…
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Is a credit card the correct option?
I have a few unpaid catalogue bills which have steadily gained charges be I've stupidly ignored the problem as I just didn't have money to pay them off. Would I be sensible ft me to take a credit card and pay the lot off in one go and then pay the credit card month by month? My. Credit score is probably low but I am…
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Apple Watch
We bought are daughter an Apple Watch for her birthday end of April . She dropped it only 2 ft and the screen smashed . Took it into apple today and explained what had happened and they said it would be £170 to fix . Very upset but if I had known that they could break so easily I would have never bought it . Do you think I…
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Am I still eligible to apply for credit card with a foreign based employer
My employer is a worldwide company but I am employed through the Norway office. I am and always have been UK resident and have good credit score and salary. Just wondering if this fails criteria for some credit card companies before I apply. Don't want to get a black mark.
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MBNA 0% Interest Free card
Hi all About 3 weeks ago, I was pre-approved via this site for the 24 month 0% interest MBNA credit card. I was then directed to the MBNA website to apply for it properly. The application was successful and they informed me what my credit limit would be. However, two days letter I then received an email saying that my…
