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Aquacard offer: who is right?
Hi Three months ago I signed up via the MSE link for the Aquacard Advanced card to get the Amazon voucher offer. The terms were basically you had to use the card at least once in the first 2 months, always pay your card balance off on time and stay within the credit limit. As I was just using this card to get the voucher I…
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Does withdrawing cash affect your credit score?
Specifically when abroad on the advised credit cards for travel?
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Credit card interest rates too high (Aqua and Vanquis)
I have a couple of credit cards that I opened about 2 years ago. We had serious debt issues about 10 years ago so I couldn't get credit for a few years. But a couple of years ago I tried again and was surprised to not only get catalogue accounts but also these two cards. Now we have credit limits of £3000+ plus on both…
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Credit card recommendations
I'm looking for a credit card with: 1) No foreign transaction fees 2) Visa/MC (no Amex) 3) Decent reward system -- I'm flexible whether it's cashback, air miles, some other points scheme 3a) That isn't for the first couple of months only. 4) No/minimal annual fee, unless the value of the rewards/card perks is more than the…
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If you could teach "Credit Card Beginners" - what would you teach?
Hello everyone, An optimistic question for you all, If you could teach absolute beginners around Credit Cards (& Credit in general) what things would you teach them? another way to think of the question: What things do you wish, you had learned earlier in your life about credit? Quick (general) thoughts: All the different…
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How to spend £200 a month on the CC
OK this is going to be a strange one but here goes... I have a credit card that has £200 paid off the balance every month. The money is not paid by me. The balance is now approaching £0 but I want to keep it over £200 so that the payments keep coming. It's all very legitimate and the person paying the £200 every month is…
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Tandem Credit Card vs Monzo?
I have been using a Monzo Card for a while now as I occasionally buy things in other currencies, and this gets around the charges for non-Sterling transactions. However, I've just come across Tandem which appears to be a better deal as you get 0.5% cashback. Has anyone used them before?
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Costco Amex Card gives 1% cashback (£300/year max)
Sorry, I know this is not for everyone but the 1% cashback is pretty good (I think). Deal spotted on HUKD which, I assume, I can link too... https://www.hotukdeals.com/deals/costo-amex-card-with-1-purchase-cashback-300year-max-costco-2817937 Or direct link to Costco blurb at…
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Help - credit card payment not authorised
Hi everyone, My partner and I are going through a dispute with BP due to some damages their machinery caused to our rental car. I won't go into all the details of that, but on return of the car, we paid the fees due to the damages and are trying to claim those back. Any who, 3 days ago (over a month after we hired and…
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Balance Transfer Credit Card or Money Transfer?
Hi, My partner is £800 overdrawn in a bank account she no longer uses and she is now getting charged £40+ a month in fee's. I have been reading about Balance Transfer Credit Cards and Money Transfers on here and she could really benefit from shifting the overdraft debt onto a 0% credit card rate however i am not sure on…
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Store cards
Looking for Advice on claiming back store cards from 1992, It was a Burton card & Adams Switch Thank you in advance
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Pre Paid Credit Cards
Does anyone know of any company that will allow me to have a US dollar prepaid credit card rather than a sterling and euro loaded card. It seems that as I am a UK resident I can not transfer US dollars from my UK based dollar account to a prepaid card as it has to be exchanged into sterling first thus defeating the whole…
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Rejected by Santander
Hi Folks, I'm a long-standing Santander customer with 2 x 123 Select bank accounts and a 123 credit card. I applied for a new credit card with 0% on purchases for 30 months only to be told my application was rejected due to credit scoring. I called and appealed and again was rejected for the same reason. I followed…
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MSE News: Monzo prepaid card users hit by new outage
App-based bank Monzo is experiencing problems today, with many prepaid card users unable to make payments....Read the full story: 'Monzo prepaid card users hit by new outage' Click reply below to discuss. If you haven’t already, join the forum to reply.
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0% money transfer
We will be buying a car in March, not buying brand new, will be around 4 years old Will be paying approx. half in cash My first thought was to get a personal loan for the remaining money (and pay off as quick as possible) But my credit card provider (Barclaycard) offer 0% money transfers so am thinking would this be better…
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Section 75 Car purchase question
Hi, I'll try to give as much detail as possible here - 3 weeks ago I purchased a used car from a well regarded local independant dealer which as part of the agreed deal included a 15 month aftermarket warranty in addition to the 30 days being provided by the dealer - this 15 warranty was being advertised in the dealership…
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How to close older credit cards?
Hello, I have a few credit cards on which the 0% spending offer, or an ‘added points’ offer have now expired. Thus, I have applied for and received new 0% purchase credit cards from new companies (and one from a company where I had a previous 0% deal). All the ones I want to close haven’t been used for quite a few months…
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Balance transfer to multiple cards?
Hello! Quick question - I have a credit card with a balance of 3.5k which 0% runs out shortly, having recently applied for a full balance transfer the lender declined the full amount. Not knowing why, as my score is over 900, I assumed it was due to the amount. My proposed next step is to take out 2 cards for half the…
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Chip & pin cards
I had a bag stolen containing a visa debit and credit card. Both have been used and all the bank says is that the transactions are chip and pin as if that makes it alright. Does anyone know what rights consumers have when the PIN has not been divulged and the cards have been successfully used?
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Balance transfer advice
Hi all Just looking for a bit of advice re: balance transfers, apologies if this has been asked before but a quick search didn't show up anything helpful. Got myself into a bit of a hole 3ish years ago which I'm serious about digging myself out of and have made good progress to date, having paid off nearly £16k so far. I…
