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How to cancel auto renewal on a credit card?
I just purchased a 3 year membership on chess24, a chess playing site (because the World championships are being held in London, and have been following). Anyway it is $143 for 3 years but it says in the fine print that my membership will be renewed on Nov 27 2021 unless you cancel it before that date. I was searching the…
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Pay car finance with 0% purchases card
Hi I have a HSBC credit card with a 0% 24 month promotional interest rate on purchases. I have a car finance agreement where the lender accepts credit card payments. If I make a lump sum payment using the credit card will this be classed as a 'purchase' thus shifting my 9+% debt to 0% debt? HSBC says it will but it took…
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Transferring money from new card
I have just received my new Nationwide Credit Card which has 3 months free balance transfers and 12 months interest free. This is all new to me hence my question. I owe about £1000 to various place and want to get them all paid off onto this new card and just paid off this new card within 12 months. On of my debts is to a…
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Capital One Website
Does anyone else think that the new Capital One website is rubbish? I used to be able to download transactions to Microsoft Money, but their new website only includes an option to download to an excel spreadsheet. I used to be able to order a new credit card if the old one got damaged, but now have to compose a message to…
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Contactless cards
I have a Tesco credit card, on renewal in august I was sent a contactless card, I rang to request a non contactless card but they now only do contactless cards. What happens to people like me who don't like contactless cards if all banks do this ?
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How do interest rates on new offers effect your current balance?
I have a credit card with £1k on at 0%, and another credit card with £500 on that im paying quite alot of interest on. I want to transfer the £500 on to the £1k card on an offer that means i'll pay 2.9% interest rate on the £500. My question is, will i also pay the 2.9% interest on all of my balance then, so 2.9% on £1.5k,…
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Aqua refer a friend
I opened an Aqua reward card account recently and I am sure during the application it gave me a code or link to provide to my friends to refer them. The reward was £25 each. I failed to make a note of the link and there seems to be no way of retrieving it. It does not show in my online account, emails received from aqua or…
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First Credit card as a student
I'm 18, a student, and I've never had a credit card before. I'm looking for one solely to build up a credit score for the future. I don't intend to buy a lot on the card and will definitely be paying it off every month. As a student, I have very low income (apart from my loan). I have 2 questions: 1. Can I put my student…
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MBNA credit card fraud
Hi all, am having an issue with MBNA and their Horizon credit card. It’s quite long winded but I shall condense! I was sent a Horizon card to replace my two MBNA virgin Atlantic credit cards, activated the Horizon card and cut up one of the Virgin ones. The other virgin one was left in a drawer at home as I hardly ever…
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HSBC advice required... feel like I’m speaking to a brick wall!
Can anyone who maybe already has a cc with hsbc or just knows about these things give me some advice? I applied for a credit card with them almost 3 weeks ago and received a text on the 13th November confirming I had been accepted for the card and I would receive an email with the terms and conditions to electronically…
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Card payment taken without PIN - Safe? (CNP at point of sale)
I went to an event yesterday and opted to pay by card, so we were asked to go to another desk where a girl with a laptop took the payment. I was chatting with friends and not paying full attention - I could hear typing in the background, which I assumed was to do with tickets rather than payment. But after a few seconds…
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Balance Transfer from Store Card
Is it possible to transfer a balance from an Argos Store Card to a Barclaycard Credit Card? If so how do you input the Argos Store Card Number, do you omit the first digit? Thanks in Advance
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Confused about likelyhood of being accepted
Hello guys My partner has been looking at getting either a loan or credit card with money transfe deciding on the latter as looking to borrow well undwr 5k. They signed up to credit club, and we ran some searches on there as well as soft searches on money saving expert. A bit confused though, credit club came up with some…
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Using CURVE card with a 0% interest Credit Card
I was looking at paying part of my January Tax bill using a 0% on purchases credit card. HMRC don't take credit cards; if I made the payment using Curve would it be eligible for the 0%?
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Argos Store Card
Can't find a forum for store cards so will post here. I purchased an item 4 months ago for £103.00 I have 6 months to pay it off. I have a statement now saying I have £20 left to pay. If I don't pay it off after 6 months I will pay £5.01 interest. Argos charge 29.9% APR on the remaining amount for the whole 6 months. How…
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Paying off brothers debt
Hi my brother has run up £30,000 debt on credit cards and loans he suffers with really bad anxiety and depression and this has led to him losing his job so I am Trying to help him as he is not in the right state of mind ...I am in the position to pay the debt off but was wondering how best to do this will the credit…
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Good/Bad Balance Transfer Credit Limits?
What sort of credit limits are people getting for Balance Transfers? I know this is going to depend A LOT on personal circumstances but I am looking to do a BT and wanted to know if any cards give higher credit limits for BTs than others? I have a decent Credit Score and was looking at the Santander Everyday Credit Card,…
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When to close account
Hi, I have recently paid off two credit cards. I’m wanting to find out if it’s best to now close them, or should I keep them open? The reason I ask is I’m wondering does it look better for your credit file if our credit utilisation is small, or if you have a number of settled accounts? Hope this makes sense and thanks for…
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Amazon/New Day Fraud alert
Last night I received a text advising of a fraud alert, saying I'd receive a second text asking me to confirm transactions. The second text never materialised, and I called them this morning as I still cannot use my card. It seems 'someone' (no idea if it's New Day or someone I shopped with) had a data breach and my card…
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Holiday disaster
Good evening Please can I ask for some advice? I booked an All-inclusive holiday in October to go to a hotel in in the sun (£1900). The flight was 6am. I booked in online at 1.15am and paid £28.00 for four seats. We arrived at the airport 5.15am to find no cue and to be told the desk was closed and we could not travel. The…
