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Contact or Contactless Debate
I have both debit and credit cards, all contact cards. I have two Capital One contact credit cards and Capitol One are now forcing me to go contactless.... Me No Happy. I'm not going to carry around contactless cards in my wallet uless i can set my contactless limit to say £1 !? I completely disagree with them entirely as…
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Application address
I’m wanting to try and check my eligibility for a credit card in order to star rebuilding my credit. I’ve been at my current address approx 18 months so enter my previous address also. Problem is my previous address is classed as commercial as I lived above my place of work. Is there some way around this? It is all genuine…
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Which is the best money transfer option?
I've decided to use my card money transfer option of £10,000 to fund a replacement car. My 2 options are; 0% interest till March 2020 with 5% fee. 3.9% pa interest till November 2021 with o% fee. Which is the better of the 2? Thanks in advance.
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Which card(s) to keep?
I'm having a tidy up of finances, I'm going to close some credit card accounts and leave maybe one or two open for credit record purposes, just after thoughts on which are the best ones to close/keep. Basic visa card with main bank (co-op) opened when I was 18 (nearly 20 years ago) - low limit of £500 Natwest Mastercard -…
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What credit card - travel benefits
Hello, Can any MSE'rs recommend me a good credit card please? Things I'm looking for * Good forex rates * Low/No charges for foreign transactions * Any kind of bundled travel insurance or car hire excess waiver Things that I can't have * No Amex (already have, this is a backup for people who don't accept it) * Monthly or…
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Halifax credit card opened then closed after further checks advice needed regarding balance
Hello everyone I hope your well I’m looking to possibly get some help and advice regarding a HALIFAX credit card that I opened on Wednesday evening with instant acceptance. I then completed 2 balance transfers the following morning into this new Halifax account and that again went through without issue and the funds…
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Getting Foreign Currency on Clarity Card
I've got the Clarity card for use abroad, but not actually used it yet! We are going to Australia next month and wanted to get some Australian Dollars. Is it best to get them here from the post office before we go? Or is it best to withdraw the cash from an atm when we get there? If we get them here before we go is it…
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Vision Direct customer card details stolen in data hack - MSE News
Vision Direct customers who ordered online or updated their details earlier this month may have had their personal and financial data stolen, after the website was breached...Read the full story: 'Vision Direct customer card details stolen in data hack' Click reply below to discuss. If you haven’t already, join the forum…
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Credit card - balance payment before/after statement date
Does it make a difference vis-a-vis the credit card company if I pay the outstanding amount before statement date, so the balance at statement date is 0, or pay off the full balance some days after the statement is issued?
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Helping out a parent as a guarantor for balance transfer credit card
Hello, For the past 5-10 years my mum has been in financial difficulty and it has only recently been brought to my attention just how badly she is struggling to get by due to the various out goings she has committed to financially (debts dating back +10 years). I had suggested to her that she should get a 0% balance…
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Why do Americans get WAY better CC deals than us?
Having a dig into what CC's are on offer and couldn't help notice the U.S. get a way better offering than us in the UK. Seems the best deal outwith AMEX you can get is 0.5% cashback on Tandem or 0.5% on aqua but it's capped and paid annually. In contrast America has the Chase Sapphire rewards, Chase Sapphire Preferred,…
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Bank Closure
Hello, Natwest bank have closed my bank account due to breached terms and conditions of 12.1, which is laundering money/fraud/illegal activity. I know 100% i do not do that, and my income comes from my part time job. Natwest are now holding my funds for 28-60 days whilst investigating the funds, where theres a potential…
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Credit card - refusal to help
Hi, unsure if this belongs here but can't find an obvious other forum. We recently booked a hotel stay for one night to attend a relatives wedding held there. An hour before the scheduled end time we were all asked to move downstairs (politely) as they wanted to start clearing the venue room up. Everyone was in good…
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Best cashback CC that isn't AMEX?
Hi, I am looking for the best CC I can get for when my AMEX is not accepted, (so either Visa or MC). Please not Tandem. Tried them and was rejected even though my credit rating/score is absolutely pitch perfect. God knows what happened there but I see a lot of people having issues with their tandem card/account. So would…
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AMEX Platinum Cashback Terms
Hi All, I received my AMEX Platinum Cashback Credit Card (£25/year) in January 2018 which gave me: - 5% cashback on all purchases in first 3 months - 1% cashback thereafter I've managed to spend just over £2k on it (most of it in first 3 months) and accumulated a significant amount of cashback. I've read somewhere that I…
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Close Credit Card?
Hi, I am about to receive a moderate amount of money from a compensation claim and was thinking about using part of it to close off a credit card. I currently have three credit cards with a total of £20,400 of possible credit, while I only have around £4,300 on them. Two of my cards have most of the debt in balance…
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Any point switching loan to money transfer card
Hi all, I have a loan with zopa and someone recommended to me that I should transfer the balance to a money transfer credit card to save money. I'm not very clued up on this process could someone explain the way it works and benefits of doing so ? I am not struggling to make payments and haven't missed one at all ...
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Cahoot holding me to pay off full amount on card
I have a Cahoot Credit Card, and I had set it up to pay off the full amount on the card each month. I have just received a statement and I went online to change this to a minimum payment so I could choose how much to pay off this month. Cahoot are telling me that I cannot do this, and I have to pay off the full amount on…
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Which balance do I pay?
Hi all, Just looking a little guidance. I'm wondering which balance I am best to pay off. I have one card with about £4k on it which I pay the min due each month which is normally around £85 and a 0% card with £1600 which I pay £75 off each month. I have approx £500 that I wish to pay off one of the cards, am I best to pay…
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Which Credit Card to Pay Off First
We are currently in a bit of mess but trying to sort it. I have moved some CC debt over to 0%. Currently we have: * Barclaycard 1 - £8,200 (13.3% apr) * Barclaycard 2 - £12,764 (0% 18 months) * Sainsburys Card - £2,090 (0% 23 months) * MBNA - £5200 (9.9%) I have just moved them as above so have a few questions: 1) Where…
