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Cap One and Vanquis
My son turned 18 last month. Last week he got a flyer from Cap One and yesterday from Vanquis. I haven't checked but he can't have any history at all, he doesn't even have a bank account. Where do these vultures get their info from?
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Credit Card Protection for holidays
Was watching a repeat of Rip off Britan and it said if I were to pay even only £1 on credit card it would protect me in event of cancellation of holiday. Travel Co were happy to accept a £1 credit card payment (in addition to 10% deposit on debit card as I won't pay the credit card fee of 2.5%) but said to check with card…
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Do I need one?!
Hi all! I have only one negative on my credit score and that is that I don't own a credit card. I really don't want a credit card purely because I don't want to end up in a sticky financial situation. I am reasonably good with money and budgeting and therefore have never had any need for a credit card, however I really…
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Credit card refund doesn't count as payment
I bought something on ebay last month. My credit card statement arrived, with that item on it (a total of around £350, as expected). The item didn't arrive, so I opened a dispute with ebay and the amount of that item (just over £200) was refunded to my card. I called the credit card company to check whether the refund…
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Halifax Clarity - pay before I spend???
Hi there I got a Halifax Clarity card for myself and a Barclaycard for my husband specifically for spending money on holiday. I want to use the Halifax to withdraw cash and I know that I need to pay it off straight away to avoid interest charges but I really don't want to have to faff around with that whilst I am on…
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Do I need to report unauthorised use of my debit card?
Two days ago my eBay account was hacked, a purchase made, and yesterday the money was debited from my bank account. My eBay account is linked to PayPal, however my card details are not and PayPal confirmed it was a guest account that was used to complete the purchase, so I'm assuming that as well as gaining access to my…
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Applying for Mainstream Credit Card
Hello all, I've had a Capital One credit card for about 20 months now, in which time the limit has been increased from £200 to £700. I'm looking for a new card that I can hopefully use to make purchases, namely I'd like to be able pay off my car insurance with 0% interest. I foolishly applied for an American Express card…
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Aqua credit card
So I m trying to set up a payment plan to pay back my credit card it's less than £250 but when I called aqua to set payment plan they are refusing unless I tell them the full balance of the payday loans I am currently paying off, even spoke to manager who again refused without me revealing my outstanding balances. I…
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American Express - where are the good offers lately?
6 months ago, I upgraded from PRG to Platinum. One of the key benefits that I used to justify the fee on both cards is the cashback offers. In the 12 months before I upgraded, I had a plethora of great offers from Eurostar, Starbucks, Amazon and so on, that could have saved me £150 on my normal purchases. In the last 6…
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Mbna help
I have an mbna credit card, that I was paying interest on so I balance transferred it to another card. Now there is no balance on my mbna they have given me 0% balance transfer for a year however, new customers are offered 39 months at 0%. Can I close my current mbna and in a couple of months time apply for a new mbna with…
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Halifax credit card delivery time
Hey guys, I applied for halifax credit card 2 days ago online and got approved instantly on (Saturday)..they said it will be with me within 7 working days.. considering today is Scottish bank holiday will that delay in me getting the card and pin number? And what are the chances of getting them both by Thursday or Friday…
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New Halifax Credit card - Contactless not working
I received a new Halifax Credit card to replace my old one. Got contactless on it. However went to use it for a £10 transaction reader wouldn't activate. Used chip and pin and it went through all ok. Do I have to activate the card for contactless? Just want to rule out simple things before making the trek to the branch
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Co-op kill off charity credit cards
The Co-op bank have this week withdrawn all charity credit cards. They had reduced the range dramatically in 2014 to just Oxfam, Tearfund, Woodland Trust, Save the Children and Amnesty International. Existing account holders are unaffected. They continue to offer the Co-op members credit card (for now) which pays cashback…
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Top Up / Pre Pay Cards
I have a pay as you go credit card with Virgin that I use if ever I want to buy anything from abroad in as much as if its costing me £20, I put that amount on and then if the card number falls into less than savoury hands then I cant lose anything. However, I got an email from Virgin over the weekend telling me there is a…
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Balance transfer question/advice
Hi all, I've got 3 credit cards - 2 balance transfer ones with no interest on the balances (2 Tesco) and I've got a capital one. The capital one has a balance of £725 and I'm paying around £18 a month in interest. Should I transfer the balance to one of my Tesco ones and pretty much max it's limit and cancel capital one or…
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Post office credit card application
Hi I attempted to apply for the post office credit card, as the eligibility check claimed to that I stood a 9/10 chance. When I hit the submit button, the page appeared an Error has occurred? I did not wish to go back or do another application, as it might result in a second credit search I think? I wanted to know if this…
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Paid twice accidentally
Ok cleared my debt with a credit card on Friday, daft sod me forgot that I had done it and done it again earlier today. What happens to the second payment? or put me in higher credit than the cards allowance (the card is a vanqist £500 credit card) Thank you for help
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Not using cards - credit limit reductions
I have two credit cards which both have low APR's and relatively high credit limits. They are perfect for emergencies/back-ups if I ever need them. If I don't use either of them for a number of months or more, is there a risk that I will have my credit limits reduced ? And if this is a possibility, how much should I use…
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How many cards?
Good afternoon, I'm just wondering how many credit cards is too many? I currently have the following 4, but not sure whether it is worth cancelling any: BA American Express Platinum Plus - £8100 limit, £0 balance Flybe Creation Mastercard - £500 limit, £0 balance (I reduced this limit a while ago from around £2000 but…
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Credit card with rewards
Hello again everyone and big thanks to those who helped me in the Savings forum though I'm still clueless I won't lie :) I have one bank account (first direct) and their Visa debit card. That's all. To be fair I have almost no money at all at the moment so I'm glad I got that! However my incredible dad recently passed away…
