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Clarity Card Query
Hi All, I hope this is the correct area to post this. What happens when the Credit Card is in the plus? My card has an available balance of £2000, however what happen if the account is in the plus e.g. 2050? Thanks in advance.
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Been trying to find a decent uk air miles credit card, having difficulty
I'm new to this so not entirely sure what I am looking for exactly. I'll be using it for purchases to manufacturers, after a customer buys from my store. This is how I plan to build up some air miles. The manufacturers are in the US so I know I'd like a card that would be free to use to make payments online to US…
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AMEX Pay now available on AMEX Android app
Hi I can't find anything on this and didn't see an announcement, but my AMEX Android App updated a day or so back, and I spotted it now has an 'AMEX Pay' option to allow contactless AMEX payments via the AMEX app. If you use Android Pay, then you will need to make AMEX Pay the default pay and go app. I think the message…
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£1 Authorisation - Change Amount?
A question - if a company charges a £1 pending transaction to your account, then your card is lost (blocked and reissued with a different number which the company doesn't know), can the company "change" the authorised amount to say, £100, when finalising the transaction? Or would they only be able to take the £1 that's…
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Closing Accounts or Lowering Credit Limits
Hi All I currently have 2 cards a Vanquis card with £3000 this card is never used and a Halifax card with a limit of £7000 my current deal with Halifax will end shortly and the outstanding balance approximately £3000 I plan to move to a new card Would it be wise to close the Vanquis account to free up the £3000 and then…
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Advice re Vanquis and Cashplus
Good evening everybody, I hope this is in the right place and I apologise if not, but i'm looking for a little advice. I'm looking to rebuild my credit as i've had problems in the past. I checked the pre eligibility checker via MSE and also Cap1. Both basically stating that I had no chance of acceptance (10% via MSE and a…
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Lloyd's bank changing their interest rates?
I've had my Lloyd's platinum credit card for about 6 months now, and today I recieved a letter saying they're "changing the way they calculate your interest rate". My interest rate was 10.9%, and the letter now says that they are "linking their interest rate to the Bank of England base rate", and my new interest rate is…
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Anyone else had their Barclaycards cancelled today?
Took two separate call from Barclaycard fraud department today, one for each of the cards I have on separate accounts. Told me they were cancelling them because a website I've made purchases on using both cards has had a security breach. Wouldn't tell me the name of the retailer but agent said 'hundreds' of cards are…
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Credit card payment question
I currently have about £2,500 on a credit card at a rate of 17.95%. Due to paying for a number of 'extras' recently (things that we wouldn't usually have to pay for i.e. wedding gift, repair to car,xmas etc) I have only been able to make the minimum payments but I want to start tackling it properly again from next month…
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Barclaycard vs Noddle
Hi, Barclaycard recently reduced the credit limit on my barclaycard by £6K. When I asked them why, they told me that I had missed payments with other lenders three times during the previous 6 months. I was unaware of it, and Noddle shows no missed payments, in fact it shows my credit score steadily increasing over the same…
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San 123 Credit Card not on Credit file!?
I have had and managed the Santander 123 CC for around 3 years now, recently I joined a credit reference agency to check my credit history and score/health etc. This Credit card is NOT on my credit file?? I have contacted both the bank and the credit agency and they cant seem to find the issue here, I have had a written…
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Does section 75 apply to private car sales?
I would be very grateful for any assistance. I bought a car from a company that was selling an old company car. The company is not an auto trader. The car sale was a private sale. Fortunately they agreed to take payment via credit card as I believe this offers protection. Unfortunately the car has a couple of electrical…
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Direct Debit contradiction
So, according to my credit card statement, my fixed monthly Direct debit payment was paid on 10th Nov. However, my current account still does not show any Direct Debit payment or even one pending setup. Where do I stand on this? Should I contact my CC company and make them aware? My Bank? Or simply feign ignorance and…
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Travel Credit Card Issue
Hi all, Looking for some help - currently in Australia and after using the advice given on the Travel Credit Cards write up we went for the Barclaycard Platinum Travel Credit Card. However it seems Australia Cash Machine\ATM charge when using a credit card to withdrawn cash :( We've tried using the Westpac bank as its part…
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access to my Post Office/bank of ireland credit card
The problem is that there has been a mix up with the one of the main questions/passwords they ask for when you phone your credit card company. And I have either put in the wrong details on the form when opening the account or they are not able to read my writing, or someone their end has written it incorrectly. I have rung…
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Foreign Transactions
Can anyone recommend a Debit/Credit Card that doesn't charge a fee when paying for a transaction in dollars/euros etc? I have a Twitch subscription which is in dollars but I get charged extra when payments are like this.
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Paying off balance before statement and credit history
Hello, firstly I know about credit utilisation (20%) and the benefit of paying off a balance before the statement in terms of this. My question is whether paying off your credit card balance in full before the statement is issued still works positively in building a good credit history? Will the credit reference agencies…
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Credit card or o/d
Morning guys, Right so I've been having a discussion with my friend about this topic. She doesn't have a credit card and thinks she doesn't need one. Fair enough. But I told her having a credit card is good for you when you book flights, hotels etc. Also that you are protected if you spend over £100. My question is, does…
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Section 75 advice
Hi, I paid over £600 to 1 Green Place in May as a contribution towards a replacement boiler. They told me that if I changed my mind, I could get this refunded. Despite numerous emails and calls after changing my mind quite quickly, I never got my money back and I found out they have gone into administration. I've claimed…
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Halifax credit card credit limit £100 - balance now £450 without spending anymore!
Hi Not sure if I'm posting this in the right place but I have had a Halifax credit card for about 10 years, it started with a credit limit of £250 which was reduced to £100 about 2 years later. I have not spent anything else on it and due to financial difficulties over the last few years have fell behind with payments,…
