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Advice on balance transfer
I am currently paying a Bank of Scotland credit card which has £1,154 still to be paid on it. The minimum payment this month is £31 and next months estimated interest is said to be £20. So I don't know if it will be £31 again and £20 of it is interest. I also have a Barclaycard with a £1000 spend limit on it and £53 spent…
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Section 75 reclaim
In 2016, We paid £5180 for the services of International Timeshare Refund Action to cancel my maintenace fees to a Spanish timeshare resort. which was to be resolved by a Spanish solicitor to take legal action through the courts because of mis-selling. We have phoned the company many times for progress and just been…
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Clarity Card vs PayPal exchange rates
Hi folks - For information, I've just paid over £6000 via PayPal to a New Zealand company, in New Zealand dollars. I've got my Clarity Card set up on PayPal as a means of payment and used it to make the payment. It offered me the chance to pay with PayPal's rate, telling me what I'd be charged. I noted that, declined their…
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AMEX Point Value
Just out of sheer interest, how much should you target an AMEX / Avios point to be worth. I (I know 1 Amex can be redeemed for 1 Avios) Most of the time, I find that a point equates to 0.5p per point. Some hotels redeem at a value of 1p per point (Melia, Club Carlson etc...) - but I find that the value there is on a…
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Halifax Clarity
I have an existing balance @ 3.9% on the card. Assuming I now make a purchase on the card, would I still qualify for the interest-free period until payment? OR should I pay the purchase off as soon as it appears online ?
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British Airways AMEX Card
Hi Guys, Wondering if anybody can help with this query or if anyone has any experience of it. Looking at applying for this card to get some cheap (or free) flights. My current credit card gets paid off completely every month but I don't get anything from them so felt I need to move to a card where I get some benefits! The…
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American Express Charge Card building Credit?
Hi All, I’m new to the MSE Forum and having just turned 18 I wanted to make a positive start and start building my credit history. Having checked my eligiblity for different cards I saw I was eligible for a few American Express Cards so I applied for one of their Charge Cards as I didn’t like the idea of being able to…
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Paying off debt via points Amex card
I’ve just received my BA Amex which offers 25000 Avios points + 2-4-1 companion ticket and 1 Avios point per £ I spend but I have to spend 10k in the next year. I have also recently been given £15000 to consolidate debt on 4 credit cards. Rather than just paying the cards off directly from my bank account, I was thinking,…
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Barclaycard Freedom Rewards - discontinued?
Have Barclaycard pulled their Freedom Rewards card now? It doesn’t seem to be on their website anymore and in its place seems to be a Platinum Cashback Plus card offering 0.25% cashback until 31st August 2023 : https://www.barclaycard.co.uk/personal/credit-cards/rewards-credit-cards Does this mean people currently using a…
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Barclaycard with blue rewards
I have recently switched an account to Barclays to qualify for double blue rewards and one way to get rewards is to use the following barclay card: "Platinum Barclaycard with Barclays Blue Rewards Get £1 cashback every month you spend on your card for up to 24 months from opening your Barclaycard account." However there…
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Sainsbury's Credit Card - So Called Missed Payment
I have a Sainsbury's credit card and decided to increase my monthly repayments in order to pay off the balance more quickly. Following this my next statement showed a missed payment. When I queried this with Sainsbury's they told me that I was supposed to make a manual payment for the first payment following the change but…
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Virgin interest free credit card issues
I know there are a few virgin credit card threads on here but none seem to discuss an issue I've just run into. I applied for the card that offers 28 months interest free on purchases as i'd planned on getting a new TV and decided this was the best way. I was accepted with a £2800 credit limit, received my card on Friday…
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is paying direct into a bank account a credit card purchase?
heres the short of it, i applied for a 22 month 0% interest credit card because i need to make a purchase of a £3500. the credit card states the following: Purchases for 22 months from account opening 0.000 % 0.000 % Balance transfers for 3 months from account opening 0.000 % 0.000 % Money transfers for 3 months from…
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MBNA Limit increases
Hi Do MBNA carry out a hard search when a limit increase is requested ? on my app this morning there was a request a limit increase link on it which i haven't had before so i assumed they were offering to increase my limit but it states "by submitting this request, you authorise us to search the files of any cra we require…
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Swap cards regularly?
Morning all, First post so be gentle...... Basic background. Full time working couple who use CC,s as a way of earning cash back. Always pay monthly bill off in full. Have just swapped from a Tesco CC to the Amex platinum cash back card with the £25 annual fee. We spend around £20k a year on it and the £65 vouchers we…
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Feel addicted to credit
Hello to make it short. I feel addicted to credit and love the feeling of getting new credit cards. I am 19 and got my first card in may 2017 which was a capital one card. From then I got a decent sized overdraft of £500 (not a student or anything) then I have acquired total 5 cards. Rates are awful of course because I’m…
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Aqua credit card - switching - please help
Hiya, I had a bad credit rating previously however have started to build it up again recently. 6 months ago I got the Aqua Classic card and have paid all bills back in full and have had my credit rating increased. I have also paid off my overdraft with my bank. I am now planning on travelling and living abroad for a year…
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payment reak plan from barclays
Hi all looking for advice had a large envolope pop through my door today with a questionaire from barclays for me to complain about PBP ..for a monument card i never remember having ..i cant fill in the questionaire as i dont remember anything from 10 plus years ago...i vaguely remember having a providian card long long…
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Identity Theft- Notice of Correction
Hello, I recently had my details used by a fraudster to apply for a credit card in my name. I have the credit card and have put a block on it so that it cannot be used, but of course someone has my personal details now and could easily do this again. One of the Credit Reference agencies have suggested I add a 'Notice of…
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Aqua credit card issue please help
Good morning I recently applied for an Aqua Credit Card online. They approved my application, and I received an email from: aqua@e.mail.aquacard.co.uk - telling me I need to upload my documents including proof of ID and proof of address to the following link: myapplication.aquacard.co.uk, which I did. I have been waiting…
