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What to do with 32k Amex points
Hi Guys So I have 32k amex points from thr gold charge card which I need to use by the end of August but I have no idea what to do with them! I have n travel plans coming up yet. Can anyone suggest the best way of making use of these points i.e convert to hotel rewards - Radisson is giving 3 points for each amex point (not…
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No monthly offers from Barclaycard?
I've had a Barclaycard Reward card for around two years now, and they've usually offered me a money transfer and/or balance transfer each month. To a point I've often joked about them constantly forcing me to become a customer when I already am one. I've taken them up on the offer last July when money was tight at the time…
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Automatic credit limit increase
Hi guys Bit a of a stupid question today. I have had a letter for my clarity card saying they are going to increase my limit from £2,000 to £2,500. I know £500 isn’t a lot and even then 2.5k isn’t a lot ethier. I don’t go anywhere near the limit and I’ve had the card for about 3 years now. The question I have is will they…
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To close or not to close?
I have often read on here, that it is hard to strike the balance as to what to do with unused cards. On the one hand, I have a lot of unused cards, but on the other hand I do currently have a utilisaion of 47% and obviously closing some cards, will increase this utilisation. Furthermore, a lot of my unused cards are quite…
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Encouraging a B/T offer from Barclays
I wonder how others have been doing this. I,ve been paying my Barclaycard steadily for the last 9 months and am now down to making the last payment in August, they are offering me at the moment 12 months interest free 2.4% fee which seems reasonable. My question is though I don't need a B/T till March 2019 (I will…
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Advice on what credit I should get
Hi, I'm new here so I am sorry if I have posted this in the wrong place. I just need a little advice on the best way forward here. So... The fixed rate on my mortgage comes to an end at the end of September this year so naturally i'm looking to remortgage. I don't have any savings due to living alone and some bad decisions…
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Creation ignoring letters
Due to loss of a partner and severe illness my cards have gone to 'collections'. All creditors were advised of the situation before a payment was missed, and a Financial Statement and explanatory letter was sent. All have been totally understanding, and a plan entered into with each one that we are now happy with. However,…
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Two different 0% balance transfers on same card
Hi, I googled but cannot find an answer to my specific question. I am 1 year in on a 35 month 0% balance transfer offer and I have been offered another 0% offer for 15 months on the same card. How do the repayments work with two 0% offers of differing lengths on the same card? For example say I took the offer up and…
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Halifax to Aqua balance transfer
Anybody had issues transferring a balance onto Halifax from Aqua Started a transfer on 7th August 2018 onto aqua and it still hasn!!!8217;t arrrived, Halifax staff say I should allow upto 10 working days I noticed that if I make a bill payment onto the card the amount paid appears almost instant. So why does a balance…
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What happens to my old credit card after a balance transfer?
hi guys Im looking into doing a balance transfer and was wondering what happens to the original card? My understanding is that your debt goes to another credit company company, from which you have a certain amount of time with a lowered interest rate to pay it back. But what happens to the original card? Does it get closed…
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CAR TAX DISCOUNT !! (cashback)
With the changes in law concerning credit card charges being scrapped. It is now possible to get cashback on your car tax! I get 1.5% cashback on my £360 car tax. This means I get £5.40 back off my car tax. The Gov site still says it will charge you to use a credit card, but it doesn't add anything to the final amount when…
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Lloyds/Halifax/BoS Credit Card
Hello Yesterday I applied for a Halifax CC on promotional rate of 0% balance transfer for 23 months. I partly did this as it was showing on MSE, Clearscore and Noddle as '95% chance of approval'. I know that is still not certain but usually I have found the tools for calculating eligibility to be fairly accurate. What I am…
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Personalised Credit Cards
Can anybody tell me which UK companies allow customers to have personalised credit cards? Barlclaycard keeps on coming up on Google, but that's debit cards, not credit cards. Tandem also allow customer to choose a colour but I wondered if there's any others? :)
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Advice needed I think I've been conned by a friend
Im actually in tears I am really worried :-( Last month a good friend who lives in Spain asked me to do her a favour and asked me if She could send money to my pay pal to then withdraw to m Barclays account then send to her Barclays account and I agreed I ended up sending her 5 seperate amounts of money via this method…
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Any problems with the Creditclub application procedure
I've been trying to move a cc debt that is due to lose the 0% intro rate, so I applied for a card with 90% chance of success through the creditclub. After 5 working days there had been a check on my file but I heard nothing back. I then tried another 90% card and this time there was a quotation search but again, 5 working…
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Section 75
Hi, On the Post office Credit Card Section 75 form it says: "Under each section, we!!!8217;ve listed what we need you to send us before we can look into this for you. You must get everything to us as quickly as you can no later than 90 days from the date the transaction appeared on your statement." Im still in the process…
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MSE News: Lloyds to slash rewards for Avios credit cardholders
Lloyds Bank is dramatically scaling back the benefits of its Avios Rewards credit card, cutting the number of Avios points existing customers can earn by up to two thirds and scrapping its free flight upgrade offer. ...Read the full story: 'Lloyds to slash rewards for Avios credit cardholders' Click reply below to discuss.…
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pay tax bill by new credit card
Hi, i have a small tax bill of a few £100s, if i find a new credit card with zero % on new purchases, can i use the card for this. cheers bob
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Refund to cancelled credit cardBarclay -ex egg)-what happens
Supplier has agreed to give me a refund for a sofa purchased 4 years ago. This was bought with a Barclaycard when the card provided two cards -an American Express version and another(can't remember if Visa or Mastercard) Barclay card cancelled both these cards when they reduced cash back percentages. Anyone an idea what…
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Prepaid Visa Card
So I got a parking ticket from Richmond Council, contested but they said i was still in the wrong. Now i wanted to turn negative in to a positive, i was thinking of buying a prepaid Visa card on my Amex (to get the points) from Tesco and then paying off the ticket. Has anyone had any experience with these prepaid cards,…
