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Amex rewards rubbish limit
Was given an AMEX plus card where I have to spend £3k in 3 months to get the 25k Avios points..... I have a big purchase coming up of between 10k-15k for flights which we have the cash in the bank but wanted AVIOS points from it, problem is I’ve been given a starter rate of 1500 which is crap, called them to no avail.…
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Mood swings
With regards to credit, does anyone else have 'mood swings', like me? I sat doing some numbers yesterday afternoon......what was in the current accounts, savings accounts, etc. Then I looked at the balances on the credit cards...not huge, but about £3.5K. Two of them on 0% deals and one set to pay in full each month. So I…
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What happens if I don't pay?
Hi I am already struggling with several credit card minimum payments and I have just had notification that the minimum payments are going to increase so there's no way I'm going to meet these new amounts so I'm thinking what might happen if I just simply stopped paying?? I don't own my own house, I have no assets and my…
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Why doesn't my Lloyds debit card count towards by credit score?
When I was younger I missed a lot of direct debit payments and messed up my credit rating but that was 5 years ago now and since then I'd had 4 direct debits coming out of my bank every month for the last 5 years and I have never missed a single payment, yet my credit score still comes up as terrible. Why do all those…
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HELP!! Next account
I have spent 3 hours trying to post this so I really hope someone can help. Long story short, over the last 6 months my credit limit has gone from opening limit of £150 then it was reduced to zero for 3 months then £150 reinstated, month later increased to £3750, I phoned to reduce it to £2000 with no problems. Spent £1000…
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Best card ford deployment
So I'm in the army and I go away on exercise and deployment regularly. Problem is because the majority of bills, food shopping and income goes onto my account my wife will keep the card whilst I'm away, leaving me with limited funds. So we've decided to open up a new bank account to pay into whilst I'm away so I have some…
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Some advice please?
Hello, I am going on a trip soon and thought I would get a credit card for back up and hotel preauthorisations etc. I got myself into a bit of state some years ago but that is all past me now and off of my credit file. I had a look at some eligibility check calculators to see what what my offerings were. I did the MSE ones…
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Credit card for car buying
I'm looking to buy a small car for my wife, I'm paying 2k upfront and want pay around the same on a credit card rather than putting it on finance. I already have credit card I can use. Would it be cheaper to buy on this card and then balance transfer to a 0% card or are there any good % cards that you can spend on…
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Perks on an Amex card?
Hi all, This has probably been asked before - I am a complete newbie with credit cards and I'm looking for my first one. I am buying a house in a couple years so I need to build my credit rating. Can someone explain the basic perks of Amex cards? Apparently the points can convert into benefits? I am an avid flyer.…
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British Airways Data Breach
Has anyone heard from BA? I must have been in the danger window, but no word from them. Checked the card I used, and no unexpected activity.
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Amazon Card How Long Wait Until Classed as New Customer Again?
Im a customer of the Amazon NewDay credit card. The sign up bonus is very good. If I cancelled this how long would I need to wait before they would consider me a new customer again and eligible for sign up bonus? :A
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Creation cards, Asda, Flybe, IHG
For anyone that holds any cards that are issued by creation. Does anyone ever get any existing customer offers? Like 0% balance transfers etc?
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FYI Barclaycard
Received this from Barclaycard today. It may be of interest to some:
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Vanquis Credit Card Cash Advance
Hi, I have just applied and been given a Vanquis Bad Credit Credit card and have said yes to the £100 cash advance. Now i see so many threads on here scare mongering about high interest ect but think logically even if it is %49.39apr that is an annual interest not monthly so say i have to repay £49 ontop of the £100 i…
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Halifax Clarity PDF Statement Late?
Anyone else find their Halifax CC statement is not available for download? Recent transactions show the due date and balance payable but actual PDF about four days late so far.
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MBNA money transfer
Hello, I was wondering if anyone is aware of being able to receive. Money transfer before receiving the physical credit card? I included the money transfer request in my credit card application and I was hoping to receive this in 2-3 days, however I am aware the card would take longer to arrive. Many thanks for any help
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Pay off interest free overdraft with credit card to improve my credit rating
Hi, I have an interest free graduate overdraft with santander?”, with one year left till i need to pay it off. I can afford to pay it off monthly no problem, however i was wondering whether or not it was worth me paying it off with a 0% transfer credit card in the interest of improving my credit rating. Would this be worth…
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Balance transfers help please
I have went round in circles with where to post a question, can someone please give me a link of which board I post a question that I have on regards of balance transfers TIA
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Section 75 Claim Miss sold Holiday
Looking for a bit of advice, came back from holiday recently. Hotel was due to open April but ended up 2 months delayed and opened two weeks before we arrived. It was supposed to be a 5* holiday but fell well short with numerous issues. The holiday company have so far ignored my complaint so I have submitted a Section 75…
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Pre approved credit cards £ limits
It’s one thing getting the pre approval assurance by using the eligibility calculator, however is there any way to also find out what the credit limit amount you are likely to be offered is prior to making an actual application? I currently have 3 cards for several yrs have switched between to take advantage of 0% rates,…
