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What's best to do with unused credit cards?
Hi My partner and I have 13 credit cards between us, with a combined credit amount of £130,000 We're not using any of them presently / have no immediate plans to use them. Are we best to cancel them, on the basis of potentially being offered more attractive promo rates in the future on 'new' cards? (though at the risk of a…
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santander 123 current / credit card.
Dear all, It's about time I shopped around for a new bank account after 123 account has become less and less appealing (£5 account fee negates any cashback benefits). Can i keep my 123 credit card if I switch my current account elsewhere? Thanks Tom
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Travel Credit Cards
I am looking for the best travel credit card. I would be using it whilst on holiday in Portugal to pay for meals, supermarket bills and petrol, but not necessarily withdraw cash. I want a card that is not going to charge me a transaction fee on every purchase. Can anyone advise?
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Virgin credit card application
I applied online for a Virgin credit card, 24 months interest free on Friday morning and I received an email saying: "We are considering your application based on the information you have provided, and will be in touch again soon." I haven't had any response since then & wonder if this might mean that I have been rejected?
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Barclaycard Fraud Detection - details at risk?
I just received an automated phone call from Barclaycard requesting me to call the fraud team. Laptop already at hand, I quickly logged in to see my latest transactions and all that's outstanding is my phone bill payment from yesterday and then my paying my bill this morning. I phoned customer services (phoning the number…
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Pre-paid cards for buying USD transactions from overseas
Hi Guys, Do any of you know if you're using a pre-loaded USD Mastercard whether it can be used like a traditional Credit card? Can you use it for Mail order? Buying from US websites and I get charged £1.04 flat rate conversion fee on my credit cards! Are there any credit cards that don't charge for USD conversion?
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Avios/Air Miles/Cash Back
Hi This is my 1st post, so please be kind.... I run a haulage business, and spend at least £250k a year on debit card for fuel. I am looking at what other cards would be more beneficial, so as to earn something in return for myself? Not sure which cards would be best? ie cash back, or Avious points cards?. There is only…
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Credit card or interest free credit?
Does anyone have any input on which should/would choose if they're given the choice of using a 0% credit card or interest free credit from a retailer? Obviously a credit card comes with the section 75 protection, but if you take out interest free credit and the business goes kaput before goods are received would most…
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Paypal and Credit Cards - sending money
Hi all. I've had a search, but wasn't able to find something covering this particular query. I'm looking to buy a motorbike, and want to use my existing interest-free credit card for part of the transaction - the majority will be cash and this is just to cover the ~£1,500 difference. If I buy from a private seller rather…
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Being in credit on credit card
We made a bit of a boob when my wife paid our credit card balance and then i sent a cheque for the same amount unknown she had already paid. This will mean there will be a £150 credit balance on the card. Will the payment be returned or if it gets allocated to the account will we still be charged per transaction? How does…
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Want to close account but section ???
I've bought some concert tickets via a credit card. I'd really like to close the account, but what happens if the concert is cancelled or something .... how will the money be returned to me? This could be months down the line.
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Chances of getting 2 Credit Cards at same time of application?
Hello, I am looking to get a new 0% 40 month BT card as well as a new 0% 28 month spending card very soon and already have two existing credit cards with 0% promotional offers coming to an end. I am showing 90-100% acceptance on a large variety of cards so have a few lenders to choose from. My first question is if I was to…
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Overpaid by Liquidator
Over a year ago I paid a double glazing company a deposit of over £1500. They went into liquidation before the windows were manufactured and I thought I had lost the money. Recently I received a letter from the Liquidator to say that I would be paid 10p in the £ and that a cheque for approx. £150 was enclosed. Actually the…
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credit card BT, advise needed
Hi, To cut the story short, I have used my mom's credit and paying it back (my credit is getting better now). I have just received a BT offer card from Tesco, okay. One of my mom's card, BOS, is on BT offer until Sep 2019 - I have transferred some of my debt to her TSB for 15 months free interest BT. Now, my plan is to…
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MBNA Low Transfer Limit?
Hello, I just signed up for an MBNA credit card. The limit I was given was £3300 with 0% balance and money transfers for a set period. I've just actived my card and logged in, but when trying to do either a money transfer or a balance transfer, it says: Transfer rate: rates 0.0% p.a. until 28 August 2018 on all Money…
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Safer way to pay for hotel rooms online?
We are planning to visit thailand later this year, 3 or 4 different resorts and by booking through to hotel websites themselves, prices are approx 10% cheaper than on Hotels.com and other booking websites. Is there a 'safer' way to pay for the rooms? Or is debit and credit card pretty much the same? Am i likely to need any…
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Convert unwanted Avios to cash?
I've got 30k Avios from using my Lloyds Club credit card but I can never find anything worth spending them on when looking at the website. Does anyone know of s way i could convert them to cash or any trick to use them on something other than the Avios website please? I have started using a cash back credit card so this…
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New Credit Card Application
This seems to be a popular thread title, and I can't think of something more unique... Anyways, I've only live in the UK for 9 months now. Full time employed, decent salary, on electoral roll, bank accounts established. MSE's quick eligibility tool suggests I have a 95% chance of applying and receiving the Halifax Clarity…
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Section 75 protection
Just a warning which may seem obvious. Someone I know was asked to pay with a credit card for building works, not to the builder, but to the supplier of the materials! Silly but its true. That person may have trouble claiming under S75 as a result, possibly because this situation may come under the currently trending…
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What will you do with your old Barclaycard Amex ?
This is a follow up to https://forums.moneysavingexpert.com/discussion/5644781 There has been a lot of discussion about this, but I thought it would be interesting to do a quick poll.
