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Avios points collection
I used the avios website to be directed to an online shop where I wanted to make a purchase as the points offer was 4 per £1 spent and I wonder if anyone knows how long it takes for the points to hit my avios account? Would it be instant or end of month at a pre-defined statement date?
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Sainsburys CC - not showing up on online backing
Just logged on to Sainsburys Bank (logon was normal) to check the balance of my credit card (as payment was taken to day via DD), only to find it says there are "No active accounts. Had this card for several years, used weekly and has not been closed by me. Anyone else getting the same?
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Ebay
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Lowered my Barclaycard interest
Hi all. Just want to say after following tips and reading old threads, I took the plunge and called BarclayCard to see if I can lower my APR. Now for a living I work with complaints mostly seeing people ask for lower packages etc but thought well. I'll just try it and I'll get yes or no. I passed DPA said looking to lower…
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Barclaycard interest refund
I recently received a letter from Barclaycard explaining that they had overcharged me interest - the wording was as follows: "When previous promotional balances you had ended we made a mistake in how we used your monthly payment towards those balances. This means we overcharged you at least £249.89 interest" Now I…
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what advice on cards for poor rating
Hi all . As most younger years was a rebal now trying to rebuild my credit rating. I have had a capital one card for 8 months 200limit always paid it in full normally within a few days of using it. I asked them to review my account after 8 months said was unable to increase limit which is in find strange no late payments…
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Transferring store finance
Hi all. I recently got a credit card to consolidate my debts and stop paying interest (trying to get debt free). My question is, is it possible to transfer a balance from a store finance creditor? The balance transfer page on the hsbc website asks for the 16 digit credit card number but it doesn't say anything about store…
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Capital one transaction declined ?
I got a Capital One card about 3 weeks ago but not used it at all until yesterday (i did activate it when i got it). Credit limit was £1000 , yesterday i tried to buy something at £599 and it got declined so ended up using my current account. I've just logged in online and it says account access has be altered pleased call…
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Stoozing with Tesco CC with current account
The other day I applied for a Tesco current account, in order to make use of the 3% on balances up to £3000. That appears to have been accepted. Also today, I realised that, despite me already having a 0% Balance Transfer card, also with Tesco, I could apply for another for purchases. So I did and, to my surprise, was…
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Quite possibly stupid question
Edited as I can't find another way to delete posts.
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Two cards same bank.
Hi all, Here is my situation: I have £1500 on a BOS card which I intent to transfer onto a Barclays 0% 42 month card but.. I have £700 I need to pay off on my very.co.uk account, which I am unable to pay off before the end of the interest period. So what I intend to do is, pay this off with a Halifax card I have and then,…
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first credit card limit !
Hey there, I'm new to all this money malarky but am thinking of getting a credit card to make some large payments. I haven't had a credit card before so am unsure how they work but what is likelyt to be the credit limit on a new credit card? I'll be needing to get access to around £8,000 so it's no use if a credit card…
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Do vanquis credit cards expire if not activated?
As title, I have had a Vanquis card since october 2014 and not activated it since then. I would like to use it but when I phoned up and got through to the automated activation line it would not recognise the numbers so I'm wondering if they cancel the card if not used within a certain time? Thanks
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Amazon Platinum Card vs Amex Gold
Hi there ! I recently saw the ad for the Amazon Platinum card (Mastercard) and it just so happens that my Amex Gold card first year free is about to expire, which means that I will soon have to pay the 1st year membership fees (£100, i got a small discount). I was very happy with my Amex card and I think I spent about £15k…
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How to get some cashback?
Evening folks, I am planning on buying a few expensive stuff (total around 600 gbp) in the coming days and I know that there are many ways to earn cashback (apart from the obvious quidco and topcashback). I'm thinking of credit cards/bank cards that offer such luxury. However the market seems pretty dry in terms of choices…
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American Express' Travel Cover?
What exactly does it cover? I've kind of seen the adverts over the last few years and they are forever promoting that they can find you a doctor who speaks English wherever you are in the world. That in itself is a good promotion. However, I was looking at the various AMEX cards last night (I'm not planning to apply for…
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tesco card question
after reading about loans on the site, I went for a tesco credit card and I got 22 months at 0% for a credit of £3400. does that mean I can go to homebase for example and spend the full amount on a new bathroom and then pay back over 22 months without paying interest? thanks
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Card for foreign travel
We are visiting Poland in March and travelling with another couple. We are Beer lovers and visit Poland quite a lot. The couple we are going with tell me of a card they use each time they make a purchase, i.e Bar or a restaurant. They tell me it gives them a bit more on the exchange rate. They went to Poland in November…
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Balance transfer - do you have to transfer the whole balance?
Hi all, I've currently got 2 credit cards. Both on with balances on 0% purchases. Sainsbury's £2,350 - 0% ends may 2017 Barclay card £2,000 - 0% ends Jan 2019 (I think) I pay £100 per month on both of the cards, they're in my filing cabinet so I don't spend on them but have them to hand incase of an emergency. As I've only…
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Opening a new credit card whilst abroad
Hi, The interest on my credit card is about to increase from 0% to 15.7%. I would like to get a new 0% credit card and make a balance transfer to save money on interest. However, I am currently in Canada and will be until May. I still have an address in the UK, so I was wondering if there are any credit cards I could open…
