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Is it wise to apply for another credit card to spread a balance transfer across?
I just applied for an mbna credit card as I wanted to switch my balance from my Barclaycard which I'm now paying interest on as I didn't switch in time. I've been accepted but my new credit limit doesn't cover the amount I want to transfer - should I apply for a second credit card to transfer the rest or should I just lump…
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How to spend 45.000 points before cancellation of my UK Amex Gold?
I have signed up for the The Preferred Rewards Gold Card in the United Kingdom at 4 January 2016. Amex informed me that I will receive 10,000 Membership Rewards points as anniversary bonus within 31 days from on or around 21st January, 2017. I'm planning to cancel my UK Amex after that. My friend informed me I will lose…
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Next Directory how to pay off?
Hi, We have a Next Directory account that we are wanting to pay off but been told that a balance transfer credit card cannot be used. Would we need to get a purchases credit card to use to pay the Next account off? Thanks
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Avios rewards credit card
I have a Lloyds avios reward card and wonder what happens to the points if a purchase is refunded in a different billing period? Say something is purchased in the January statement month, the points are accumulated and added to the avios account and if it is later refunded, do they simply get deducted from the next avios…
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Barclaycard refused my application???
Odd one this, had been using some of the sub prime cards to rebuild my credit over the last few years and finally got a prime card HSBC last year. Decided to see if I could get another prime card as a backup and came up with a reasonable chance of a barclaycard so banged an application in. Not declined nor accepted but…
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Looking for advice on CC or Loan?
Hi all, long time lurker first time poster. If this has been asked a million times before then I apologise. I wish to pay off a loan and also pay my partner for his credit card balance (Holiday cost) Am I best getting a loan to pay these both or is it possible to pay the loan and pay my partners credit card company and…
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Using Fuel Card Abroad?
I hope this is in more or less the correct forum as it doesn't seem to be appropriate under normal banking. When I bought my last car, part of the offer was a pre loaded fuel card with £500 credit. I have used it at garages in UK and it works fine. I'm taking the car to Europe shortly and was wondering if anyone has used…
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Virgin Money drives me mad!
Anyone else being annoyed by Virgin Money's dodgy marketing practice? Back in the midsts of time VM seem to have given themselves permission to send SMS texts to me, which must either have been deliberate or one of those confusing questions as there is no way I would have deliberately allowed it. They send monthly texts…
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Will wihdrawing cash from credit card abroad hurt credit score?
Hello I am living in India for some time now, coming from the UK. In order to save hefty non-sterling transaction/withdrawal fees, I got a Barclaycard Platinum Visa Credit card with 0% non-sterling fees. Everything has been working wonderfully and it seems a super cheap way to access money whilst over here (compared to my…
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MasterCard World Premium Credit Cards
I note that my Santander 123 card is a MasterCard "World Premium" one. Does anyone know of any other UK card issuers which also offer "MasterCard World Premium" cards?
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thomas cook credit card
I had a credit card back in 2009 with Thomas cook which I was paying PPI on. The problem is I cannot seem to get any information on who supplied the card and this site does not list it in the list of banks to open a case. Can anyone help ?
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Credit Cards- A New Language
Hi All, I just wanted to know if there was anything posted on here in relation to the foreign language credit card companies go on about? My Dad has never owned a credit card in his life and always paid for this outright and I don't think there was a lesson at school on money management and getting credit. I've recently…
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How long to hear back about HSBC application?
Applied for HSBC balance transfer card a while ago. ,/!5 remember the exact date but must be over 3 weeks ago. I still haven't heard anything? Has this happened to anyone else?
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Amex New application - Asking for ID and proof of address.
Hey guys - New to the thread. So I applied for a Amex card and I received an email saying that they are pleased to say my application is going well and I just need to send in proof of ID and address to finalise my application. I have sent to documents requested and I'm curious if this means that I will be approved or…
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HSBC free £25
just applied for HSBC CC. Use once, buy a banana, £25 credited within 60 days of spend
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Tesco - Future of Credit Card
I've just been told by a member of staff in my local Tesco that they will shortly stop giving club card points when you use one of Tesco's own credit cards. I assume you'll still get the points for the purchase but not for using their card. Perhaps Tesco are selling their credit card operation to someone else. Has anyone…
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Do i cancel my card??
Hi I have a vanquis card with a £3000 limit on. I've had the card for maybe 7 years but I no longer use it due to my other better cards. Would cancelling this card have a negative effect on my credit rating? Many thanks.
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Tesco Clubcard Credit Card and 0% purchases
Hi, I have a question I'd like some advice on. I took out a new Tesco Clubcard Creditcard in November, to transfer a small existing balance from a NatWest card and make use of no interest on purchases for at least a year (I forget the exact duration now) I transferred the balance interest free and made some purchases, at…
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Network interruption while applying for credit card
Hey all, I decided to apply for a credit card and used money supermarket to find a good deal for me to build some credit history. The best deal was one "pre approved" from Aqua card. I went to their site and filled out the application and submitted it, it took about 30 seconds while "making their decision" and came back…
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supplementary cards
Many credit cards offer supplementary cards for the spouse or any nominated individual. My question is whether the principal card-holder can also use this card? This would be a great way to double up on various offers - I'm thinking of the Amex statement credits that can be applied for transacting at particular retailers,…
