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Amex Platinum £2k spend question
Hi, So I have ordered a Amex Platinum card in expectation to spend £2k easily on furniture for my new place. However the card, I thought, failed to arrive so they cancelled it and are sending a new one. Unfortunately, i found out the original one was sent to the post office and it's too late to "uncancel" it. By the time…
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Too many credit cards?
i have five credit cards all of which now have a 0 balance however the total limit over all cards is £14k should i cancel some of them? is there an appropriate amount to have available? thanks
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NewDay Amazon Reward Points Change..
I've just had an email from NewDay who manage the Amazon credit card. They are basically reducing the points you receive when you spend outside of Amazon, from 1 per £2 to 0.5. I wonder if this will affect other NewDay cards, eg Debenhams? We would like to let you know of an upcoming change to your Amazon Platinum…
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Stoozing impacting credit score
Hiya. My husband and I stooze. Does anyone else have an experience of stoozing impacting their credit score? According to MSE’s credit club my actual score is excellent 998, but apparently my affordability for more cards/loans is low and I am deemed to have low disposable income. This surprises me. But I’ve now been…
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How are refunds applied?
I know that when a normal repayment is applied it goes towards paying off the statement balance before any recent transactions not on a statement, even when the statement balance is at a promotional rate and recent transactions are not. Does the same apply to refunds or is a refund applied directly to the transaction it…
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First time credit card
So I need a credit card to pay my taxi car insurance in one payment of around £1600 I don’t need to use the card for anything else I want to pay it back over 12 months I have never had a credit card and am soo overwhelmed and confused by the whole process I really don’t want to shoot myself in the foot so any help would be…
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credit card Minimum Payment Understanding
Morning Guys, I recently received an Aqua Credit card for building my credit history and i got 450£ limit and used 61£ so far in 10 days and i set up direct debit for full payment but i got an email from them saying they will take £5 on 5th April as minimum contractual payment and then the full amount of 61£ will be taken…
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Rewards schemes: Where to go now to generate Avoid now Lloyds rate is so poor?
I've held the Lloyds Avoid card which gives you an Amex and a MasterCard for a few years now and it's serves me pretty well in that I've amassed a lot of avios (now managed in BA Executive club) and they've been really useful for discounts off hotels and travel. Typically I put between £1-2k a month as I use it for work…
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Apple launching credit card in US
https://www.apple.com/newsroom/2019/03/introducing-apple-card-a-new-kind-of-credit-card-created-by-apple/ https://www.bbc.co.uk/news/technology-47697647 * Physical card made from titanium and has no numbers or signature on it * 2% cashback on iPhone version * No international fees * In conjunction with Goldman Sachs
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Balance transfer clarification please
Hi All hopefully a quick question, do Balance Transfer cards differentiate between cash & purchase or is a balance just that a balance? I am after some cash Barclaycard are offering me a money transfer at 0% interest for 10 months my question is if I haven't cleared the money transfer debt within the 10 months I will want…
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Tandem - One year On
I wrote about Tandem on year a go after two months of use. I feel that I know can give a much better review having been a customer for 13 months. Good but could be great, some way to go My married partner and I have been account holders with Tandem since the 5th of February 2018, we were seen as trialling the product and…
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Can I Pay Someone Using a Credit Card?
Just thinking if the person is a builder or someone who doesn't have a card machine, whether there's a way to pay them using a credit card? Thanks
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Credit card fraud after paying for NCP car parking?!
Apologies if this isn’t the right section. Within the last 24h I’ve experienced some fraudulent purchases on my credit card. The only place I’ve used it is to pay for some parking at the nec via their website. I do not have any spyware or viruses on my machine I believe that my information was either misused by someone…
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Best rewards card for spending £3.5k in next 3 months
Will be spending approx £3.5k in the next 3 months and trying to work out the best cashbacks/rewards available. Can anything beat the Amex Platinum which would earn me £100?
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Credit cards over a loan
Seems like it's much easier to get credit cards over a bank loan, so assuming an individual was sound with money (and their credit status allowed for it) and needed financing of 3k, why not get 6 credit cards (total value 7k for example sake)...use 3k in the first month, before the payment date pay that back with 3k from…
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marbles - credit limit increase - should I accept it?
After four months of being a marbles customer, I've just been offered a credit limit increase (from £450 to £1700). The limit will come in to effect automatically on the 07 April 2019 if I do nothing or don't decline it . It seems if I chose to accept the new limit, it will leave a hard search marker on the credit file.…
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Remortgaging within 6 months of ownership
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Card processing fee on charge card
Quick Q which I can't find the answer to! Can companies still charge fees for transactions on a charge card (not credit card) - can they even tell the difference between a credit and charge card? Just purchased tickets from Ryanair (God help me). Flight originating from outside UK so cost originally displayed in Euros.…
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Lloyds credit card app
I applied for Platinum BT card, after credit scoring I got a box side by side: "What you applied for...." then "What we can offer you". Which was the classic card with a £2k estimated limit (you can't apply directly for Classic or I would have done, it's only if you're not eligible for the 'prime' range and are offered…
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Issues with Amex balance transfer?
I’ve seen several threads here relating to the issues with balance transferring from Amex to Barclaycard but this has an extra issue. I have a BA Amex credit card. First I tried to balance transfer online to no avail so rang up and they tried on the phone which also failed. Following this, I requested they send this to the…