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Quick question: "Balance transfer" or "purchase"?
Hi all I've got a car on a finance agreement and I've realised that I can save a few hundred quid by paying it off via a 0% credit card. I've got a settlement figure for the car loan and can pay it off online with a credit or debit card. Will this be classed as a "purchase" by the credit card supplier, or will it be a…
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Credit club which calculator?
I've joined the credit club and used the various calculators but I don't know which one is best suited to my circumstances. I'm a Lp on benefits not working due to ill health. I want to rebuild my credit history I've got an OK score on credit club (I'll check it again n post score) in terms of reliability but not income. I…
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Halifax Clarity Card
Just caught up with Martin's programme on TV this week about holiday spending and the most efficient way to manage your money. Thanks to him we have now applied for (and been given) a Halifax Clarity Card, which means that when we go to our cottage in France 3 times a year, we can do all our shopping, buy petrol etc and…
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Aqua Contactless Abroad
Quick one, My friend on holiday had an Aqua Card and the contactless never worked - has anyone else got an Aqua and the contactless doesn't work abroad (EU country)? Ta.
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MBNA scraps AMEX on AA card
MBNA have just removed their American Airlines AMEX/VISA duo card and replaced it with a VISA only card. Earning rate is very good, but there is a £70 annual fee. With TSB, Barlcaycard and now MBNA starting to remove their AMEX cards, I'd assume it wont be long until Lloyds scrap their Avios AMEX card.…
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Nectar Points offer on JS Balance Transfer Card
I've recently been accepted for the 28 month Sainsbury's Bank Balance Transfer card. The balance transfer requested on the application has gone through and there is still some remaining credit available. There is also a 'spend £250 at JS get 5000 Nectar Points' offer sitting on the card, which I have until August. If I…
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Watch for missing Amex cash back
My annual Amex cash back of £144 disappeared from my cashback balance on Jun 6th - but never got credited to my account. Amex customer services says this is a 'glitch' they're working on.:mad: "I would like to inform you that we are still investigating the matter as it is a technical glitch. I assure you that you will…
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Can you pay a foreign credit card for someone else?
Hi Can someone else (my dad) pay money into my credit card? He is in Australia and I am in the UK. And is there a limit on how much he could pay? (Like if you bring cash into the UK you have to declare over £10K, does that apply to paying a foreign card or cards?) Thanks!
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Balance transfers when you have different promotional offers....
Hello, I have a few different cards which currently have promotional offers on. My Halifax currently has an offer on for 0% on balance transfers. My MBNA also has the same. I was thinking of transferring my Halifax to my mbna and my mbna to my Halifax, as the promotional offers on both are much better then they are at the…
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Transfer none card loan to 0% card
Hi All, I've been looking at the pre-approved 0% cards mentioned in the recent MSE email. I have been pre-approved which is great but my question is as follows: I have a £6960 loan which is not on a credit card, can this loan still be moved to a card? Thanks
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Credit Limit
I have been using a credit card since 1978 but I have only recently acquired a 0% card. I have never even approached my credit limit so this is all new to me. My question is hypothetical but of great interest to me. Does anyone know if my credit limit would be breached when my available credit went negative or would it…
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Money transfer offer from existing credit card- good or bad idea?
Hi all, Just looking for some opinions on whether it's worth taking Tesco Bank up on an offer they have sent in the post.... My situation is as follows: Currently have a balance of around £5000 on a Barclaycard Credit Card - currently on 0% interest Balance of around £2500 on a First Direct credit card - 0% but about to…
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2.5% charge on credit cards by DVLA and others - now should be scrapped
DVLA's charge of £2.50 for paying your VED by credit is a rip off its against the recent EU directive and the governments own advice to companies. This charge can work out as much as 25 per cent car tax bill of the lowest rate bands. You might remember a 'super complaint' to the OFT by consumer group Which? that resulted…
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Santander Credit Card - Direct Debit Issue
So i have a Santander CC i am recently having problems with. I come back after a long holiday and i've got a letter about a late payment, which was confusing, after the online service failing to making a direct payment i have since made a separate payment through the generic sort code and account number to pay it off. I am…
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Credit card rewards - which one?
I am having surgery in September privately. It will cost around £6000. I have saved up so have the cash but I was thinking that if I paid on credit card I would enjoy the benefit of any rewards. I have a Tesco Clubcard credit card and could pay for surgery half one month, second half the following month so will stay in my…
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Holiday cash debit card or Clarity card
Hi, Going to USA and Canada. I am taking some dollars for each country but may need some more, don't know yet. My understanding is that my best bet is to use my Halifax Clarity card in an ATM rather than my debit card. Happy to do this, just seems wrong. andytw
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Protection under Section 75
Hi, I understand consumers making purchases with a credit card have protection under Section 75 but is there still protection if purchases are made on behalf of other people? For example, if I organise a group trip, collect the money from each passenger and pay the travel company with my own credit card, is the whole…
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Tesco Credit Card
Pleased that i was able to transfer credit card balance from very high APR to 0% Tesco card for 28 months.Saving £1600. Not long since i started using this site. Thanks MSE.
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Balance transfer credit limit too low
Hi, I applied for a virgin money card. 0% 40 months balance transfers. After getting pre approved. I have officially been approved today, however the credit limit is £500 but I need to transfer £4000. Any suggestions what to do now? Thanks in advance.
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why is my credit card not accepted?
I live abroad and all my bank cards here are laser printed. My credit card is with my bank and is a visa and is chip and pin but because the numbers are not embossed, I've been told that it is not accepted by a car rental company in the UK. It is a valid credit card, embossed numbers were for the old machines for carbon…
