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Need a Credit Card for Travelling to USA
Hello! On the 28th July until the 11th August this year I am travelling to California, USA and renting a car to travel around. For payment method of the rental car it says "Cash and Debit cards are not accepted" and: For this reason, I need a credit card. I've never had one in my life and nor does any of my family members.…
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Defaulting on credit card, better than paying interest?
I had a change in circumstances just over a year ago. Got in touch with Sainsbury's bank about my credit card straight away, and made an agreement, for one year, to make monthly payments with interest frozen. The year is up next month, and when I phoned to make this months payment they told me that the interest freeze…
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less than 7 days?
HI All, Got myself into a bit of a problem. I need a credit card in my hand by a week tomrrow. Credit worthiness isn't an issue. the problem is that I don't currently have a credit card and need one in order to pick up a hire car in France next Friday! Any suggestions? Thanks Rob
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Sainsburys Amex Card
I've just applied and been accepted for the above card. I wanted it as if I spend £2000 in the first 3 months I get £200 worth of nectar points and the card is free for the first year. We're about to move and are going to buy a new sofa and bed - all good so far. Unfortunately, I've only just realised not everywhere takes…
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Credit cards & credit score
Anyone know if an unused credit card with a zero balance should be kept or closed? I got a Vanquis card some years ago when my credit score was not to good following a bankruptcy after a business collapse. I have over the years improved my credit score and the only 2 cards I have with a balance are 0% transfer cards. I…
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FairFx Currency Cards - Sneaky new charge proposed
I have one of these currency cards from years ago. It has a credit balance on it of a few pence and it expired way back in 2012. Had I not taken much notice of the email detail received today then I reckon I could have found myself saddled with a monthly admin fee that I may not have been made/become aware of for years…
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Halifax Clarity - Applied over a month ago?
I'm being really messed about and I'm travelling fairly soon! I applied for this over a month ago in which I had a fairly high chance on the eligibility so I applied and was rejected. Being on a fairly high income, I appealed this and was offered the card. Although I had to make a new application over the phone. After…
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ADVICE - Can i switch Direct Debits manually online ?
Hi I currently bank with Santander and want to swap 2 direct debits to Halifax. Can this be done online by getting the details from Santander, entering these details into Halifax, then closing the Santander DD's ?? Thanks
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MBNA 4.9% for 60 months
I have an offer come up on my CC with MBNA 4.9% for 60 months, with no transfer fee. Can someone tell me how the interest will be charged? Monthly or flat rate of 4.9% So If I make a transfer £5000 and pay £100 each month how long will it take to clear the balance? Is the interest charged on the balance each month? As I…
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Victim of fraud, but I have to pay the fee!
Hey guys, first post here and I think I got it in the right section. If not, please move for me. Long story short, I have a very small shop online where I sell digital goods. All card payments are done through Stripe.com. Recently, a transaction was reported as fraudulent, but I had no possible way of knowing that at the…
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Let's see if this is right....
Hi all, I'm new to this CC thing and getting the best deals so I just wanted to put this to anyone on here and see if I've got it right as there's a lot of different advice out there that is sometimes contradictory Here's what I'm looking at doing. I want to buy a car for around £8500 so I'm applying for 3 credit cards…
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Best Credit Card for over 80s travel insurance
Hi, My mother is older than 80 with some existing medical conditions but still travelling to Europe four times a year. She's finding it difficult to get travel insurance as it is very expensive now if at all possible and I was wondering if there was a credit card that included travel insurance for Europe in case of…
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Capital One - Pre Approval
Hi all I'm after some advice please. I've recently applied for a Capital One cc through the Clearscore credit matcher. I was successful in my application and was advised that my card was 'On its way'. I was asked to set up a monthly DD to make payments. I was happy to do this as the only reason I'm getting a Credit card is…
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Rejected Sainsbury Credit card although I have relatively higher credit score
Hello, could you someone to give me advice? (I'm not an English native speaker, so I'm sorry for my bad writing. ) I live in the UK for 10 years (Work permit -> Indefinite to leave to remain). I bought a flat Oct in 2015 and I have been paying the mortgage. I think I did overdraft (accidentally) twice since I came to…
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Prepaid virtual credit card
I have a prepaid virtual credit card with £10 on it that I got for doing some surveys online. How on earth do I use it?? Amazon won't let you use it as a partial payment when paying with another card, and Paypal don't like it either, so that rules eBay purchases out. Where or how can I spend this thing?? I normally opt for…
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Which - if any - to close?
I currently have four credit cards. HSBC (Limit £2,800) 11.9% APR. £0 balance. Barclaycard Duo Cashback. (Limit £5,000) Can't remember what the APR is however, it's irrelevant as I always clear the monthly balance in full. £0 balance. Barclaycard Platinum (Limit £3,800) 0% BT for 37 months. New card. £3,077.49 balance.…
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Short term low cost high borrow international credit card
Hi I've never had a credit card in my life! I have some money processing approximately 20K that will arrive in my bank account start of May. Mid April i am going to america and Disney world and this money was to fund that trip. Is there a credit card i can apply for that will allow me to borrow 10-15K in cash, purchase's…
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Credit Search impact on score
I've been working for a year trying to build up my credit score. Earlier today, while applying for a balance transfer credit card, I was told my application has been successful but before I got to confirm, my laptop died. I am now worried about going through the application again. Would this show as multiple credit…
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Credit Card for House Extension
Hi all - first time post so please be gentle.. My wife and I are looking to extend our house rather than moving. We have a budget and will be using savings to pay for the build, decorating and the inevitable new kitchen and have a contingency built in. My question is on credit cards - given that we will be buying a load of…
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TSB reward credit card
Morning I have been approved for the cash back TSB CC on Wednesday just waiting for it to arrive. I do have a TSB current account that I use as a saver however I don't think it has linked as nothing showing on my internet banking and all the emails are sounding like I'm a new customer. Will it automatically link once fully…
