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Credit Card "Administration" Fee
Hi, I recently renewed my season ticket for my football club via credit card & had a £4 Administration Fee added which i didn't give much thought to at the time. I paid a total of £324 made up of £320 ticket & £4 Fee However my friend renewed his the same day via a debit card & was only charged £320. It said "your…
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Overseas credit card
Hi all. Just after some advice please. I'm looking for the best credit card for spending in the USA. I only work part-time so my yearly income is probably around the £7000 mark. Husband is the main wage earner/bill payer. I'm getting confused with it all now. Can anyone recommend a card which will fit the bill? That I…
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Debenhams in Admin. Do I have to pay my Credit Card debt?
Hi All As Debenhams is now in adminsitration, do I have a legal obligation to pay off the balance of £2,100 I owe them on my Debenhams credit card? All advice most welcome Thanks Richard
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Tandem Credit Card Preloading
Tandem charge interest from the day cash is withdrawn in the UK and abroad. In the UK, there is also a fee of 2.5%, with a minimum charge of £2.50. Can any or all of these be avoided if the card is preloaded?
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Credit card minimum payment
Hi. I have a Barclaycard credit card. I've always paid in full each month but wanted to check how my credit file may be impacted if I paid say half the amount owed instead of the full balance. I recently changed my billing date, so I got a statement on the 19th of April, but with changing my date I'll have a new statement…
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Credit card protection for purchase
So I bought a car and used my credit card to pay. I did this deliberately knowing I would have added protection as the car was a used car from a car sales garage. I got the car yesterday after paying on Friday for it. It has been nothing but problems. I have recently been able to find some reviews on the car sales garage…
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vanquis credit limit increase
Apologies if I'm in the wrong place but I'm looking for advice. Applied for my first credit card with Vanquis in October 2018 with £250 limit. Been using to pay bills just to build up my credit rating (nothing to do with score) and got an increase end of January to £500. Here's where I get lost...I accidentally used the…
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London underground contactless payment
We don't often visit London but will have to do so several times in the coming weeks. It seems like the best way of paying on the tube is by contactless card (credit or debit), touching in and out at the start and finish of each journey. Can two people travelling together use the same contactless card, or does this confuse…
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Increasing credit limit
On Clearscore, the one negative point on my report is that my total credit limit of £1900 is rather low. It suggests I increase it. Most months I barely use a quarter of that credit but I am hoping to buy my first property soon so will increase my limit if that will help me. Firstly, what amount of total credit is seen as…
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New to having several credit cards could use advice.
Hello everyone, So a quick background, I've had only 2 credit cards in my entire life and I've always paid them 100% every month. Credit score was around 800 until I recently bought a house and it's down to around 785. I've just learned about cashback cards and just went crazy and applied to 5 of them today before learning…
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TSB - No Statement
Anyone else showing as no account activity and no statement for April ? Are they having an anniversary breakdown ?
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Curve Card ATM cash withdrawal with underlying Tandem or Aqua Credit Card
Hi, Can anyone confirm if the tandem or aqua reward credit cards are treating ATM cash withdrawal on curve as a cash advance or as a purchase? I know that curve are sending the MCC to underlying card provider but it seems not all credit cards are treating it as cash advance as yet. So if anyone can confirm from recent…
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Mastercard rate on Public (Bank) Holidays
The mastercard rate on a Public (bank) holiday holds as the previous working day's rate. How do I know this? Easy. check Mastercard Currency calculator. e.g. 31 December 2018 (Mon) = 1000 MYR = 190.67 GBP <working day 01 January 2019 (Tue) = 1000 MYR = 190.67 GBP <01 Jan is a Public (bank) holiday, so the rate is the same…
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20 year old Barclaycard debt
Good evening, long story short.. Recently bought a house, have an excellent credit rating (according to Experian) and now am looking at shifting a balance off a Capital one card onto a 0% jobbie. Now on my Experian account I've been pre-approved for a Barclaycard. Now when I was younger and (more) stupid, I believe I had a…
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Is this a phishing scam?
I received a letter today, Marisota from JD Williams that’s what said In the letterhead. It says that I applied for a credit card from the above mentioned, I was turned down for the credit card. I will say again at no point did I applied for a credit card from the above mentioned They talk about Experian and me obtaining a…
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Credit score
Hi All and Happy Easter! I have a DMP which I am paying off next week. My credit score is 994, will I be able to apply for a credit card or phone contract? Thanks in advance
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Amex Gold Card Fee
I'm coming up to the end of my first year, and will have to pay to use my Gold American Express card for a 2nd year. The cost is £140. Just wondering if any of you have chosen to continue with it and pay for it after the initial free year? I've made close to 100,000pts but can't imagine getting anywhere near that in year…
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Amazon credit card plan balance transfer
I recently opened a Amazon Platinum MasterCard to replace a House Of Fraser card. Always pay in full. Both cards are operated by new day. On the amazon card I’ve noticed a strange credit and debit for the same amount under the reference PLAN BALANCE TRANSFER. I used to work for a bank and understand cards have different…
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Amex repayment allocation - Legal?
I've just found out that when you make a payment to Amex credit cards they apply the minimum payment value to standard purchase balance before any other balance. Only any value paid above the minimum payment owing contributes towards the higher interest cash balance before purchase balance. I thought legally they have to…
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Does paying my partner's debt make me liable for it?
Hi everyone, I'm hoping I've posted this in the right place as I'm looking for some advice. My boyfriend has a debt and has had a statutory demand served on him, but he isn't in a position to make any payments. I've offered to make payments for him until he is back on his feet and the lender have accepted this. The credit…
