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Is a second credit card advisable?
Hi people! A quick question just to boost my knowledge mainly, and to answer a question that is playing on my mind. I’ve had a second credit card offer, from my bank, an actual reward credit card rather than a basic point and shoot, spending day to day credit card. Now, Is it worth me having two credit cards? Or is it…
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Balance transfer from AMEX but poor credit
I am in a bit of a pickle... I have not so great credit and I would like to balance transfer my debt (£900) from my AMEX to a new card at 0%, however with the rating I have I am having trouble getting accepted. Fluid, Aqua and the usual low rating ones with accept me but they do not accept transfer from AMEX, I phoned each…
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Virgin Money - how long?
Hi all I just applied for a Virgin Money 0% card which was approved and they confirmed my credit limit (although not in the confirmation email, just on the confirmation screen). No balance transfer applied for or required. The website says it takes 7-10 working days to arrive but does anyone have any insight into how long…
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Which new card for Google Pay in stores
after I've had a few problems with Barclays and their contactless mobile payments system... current problem is that it goes through om my mobile all correct, but the retailer declines the payment. I then use the same physical card to pay and is always accepted. What cards are good to get to use for store payments using…
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£30k owed
I owe £30k on 4 cards along with a £22k bank loan. I’m now not working, plus have no assets here in UK... option one move abroad and leave debts behind as have no intention of returning to UK. What will happen? I understand my credit file will be slated... but can I be chased in France or Spain to clear debt? If I don’t…
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vanquis chrome. Tips to manage it properly.
I want to rebuild my credit score up. This is my first credit card I've had in years. I have a limit of £250. My disposable income is £250 a month, if I make purchase on card and max it out can I pay £65 a week to pay it off, will that have a good effect on my credit score and getting a better card in the future? How long…
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Which Credit Card should I get
Hi All So Debenhams have really annoyed me :mad:. They sent me an email saying 30% off and an extra 10% off for cardholders. Went online, got to checkout only to find out that the 10% didn't apply to my basket. It may have been easier for them to list what is included as to me everything is excluded (see below). Anyway so…
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New card provider for my 86 yr old Mother
Hi all, Unfortunately my 86 yr old Father is seriously ill in hospital. This is likely to be ongoing. My 86 yr old Mother has always relied upon him to administer their financial affairs and they've both done well from that arrangement. However, I'm having to do this for her now (I already have approved PoA's for both).…
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Supercard pilot / Tuxedo card
Back in 2015, I had a pilot version of the Supercard from Travelex, mainly because it was recommended by Martin for spending abroad. I used it for a few trips to France and Spain but then it was discontinued in 2016. I received an email from them that said the pilot had ended and that "at 00:01 on 7th June 2016, your…
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What cashback credit card?
I am looking to get a cashback credit card but have been put off getting the Tandem 0.5% cashback card because of the poor customer service and very limited app that have been reported lots on this forum. I'm also not keen on an Amex card because it's generally less accepted than MasterCard or Visa. I'd use this card for…
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Credit Card Declined?
Hi I'm going through an application form for something, and one of the questions asks: "Had a credit or store card application declined in the last 10 years?" If Yes, how many times. How can I even start to find this information out? I will have, as I an quite a keen points collector - avios etc, and apply for cards quite…
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What type of Credit Card
I am looking to get a travel credit card, but not sure which one would be best, is it worth having to pay a fee? I will be using the credit card for work and will be spending about £40k a year on it. I always clear the card every month.
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Curve credit limit increase timescale?
Tried to pay an £2012 AMEX bill the other day with my Curve card. It failed. Upon digging around I just discovered that curve has a £2000 a day limit on transactions. A bit strange I thought considering it's my money? If I have the money in my debit card then who are curve to limit me? Anyway... I raised the issue with…
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Annual statement
I was always under the impression that u always had to have your yearly statement in the post and that this was the law ? I have a family member living with me who sometimes opens my mail so I generally don’t like things being posted ! Mbna seem to have updated things and it does say that the annual statement will be put…
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Car dealer adding 3% for Credit Card use
I've had a major disagreement with a garage over a car deposit. A deposit of £195 was required. First I got out my debit card then quickly thought I'd have more protection on a credit card. On producing my credit card I was told it's an extra 3%. I said I felt it was illegal to make a charge for one card and not the other…
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RBS on the backfoot
RBS having taking the new legislation on Payments TOO liberally are now it would appear on the back foot, I received a letter yesterday telling me that they are reverting back to the previous monthly payments.
