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Credit card verification and Skrill.com
I have just had a deeply worrying experience when making an online order using a credit card. My concern is over the behaviour of the "payment processing" company involved, called Skrill. I had never heard of them, but have since done some research. Skrill is apparently UK-based, supervised by the FCA and the successor to…
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Prepayment cc for online payments
I've been looking at AliExpress (instead of ebay/amazon) as it works out its about 20% cheaper for some bits for a project at home (my last "project" was over budget according to my wife :rotfl: ) I'm used to PayPal and (mostly) trust it but I don't want to register my credit/debit/bank details with AliExpress as I've seen…
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American Express Preferred Rewards Gold Credit Card complimentary lounge visits
Hi all, I noticed that the above card is the only UK card to offer two complimentary airport lounge visits per year & to have no fee in the first year of card membership. What stops someone from opening a card, using the two complimentary visits & then closing the card, only to reapply & (if accepted) get two more…
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Newbie to CC's
Hi! Thank you for allowing me to join, I've got a couple questions and I hope I'm in the correct place. It told me I was on the board for telling people about deals but I don't see any of that here and the "I wanna" board it directed me to had nothing to do with credit cards. I apologize if I'm in the wrong place. To start…
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Should I Cancel Old Card
I have an old card that has a low credit limit and newer cards that have much higher limits. Will it affect anything if I close the low limit card and therefore have the record of a low limit on my credit file history for six years - will the record of the low limit affect lending decisions? i.e. instead I could try over…
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Should I close or transfer old credit cards?
Hi, I have 2 credit cards, with a pretty decent credit limit between them. 1 is old, currently unused, and all offers are expired on it, so I pay interest on purchases. The other is newer, used and is still in the offer period. I found an article on the main MSE website suggesting that instead of closing old and unused…
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Newbie advice required for VISA gift cards
Someone I know in the US has asked me to buy them a VISA gift card. How do I do this please? I live in the UK, and it's intended purpose is for the US citizen to visit the UK, and to spend the card in this country. The value required to be put on to the gift card is 300GBP. Thanks a lot for any comments! :)
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Interest after 0% promo
Hi, I’ve recently had to use my credit card close to when the 0% offer is due to expire. I might have some remaining balance to clear after the 0% rate comes to an end as my new card to transfer the balance is taking some time. I’ve called up Tesco and found out that the interest rate is 25.9% but they aren’t able to let…
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Balance transfer so credit card is in debit...
Hi, Hope this is the right place. I've taken out a credit card (virgin money, 0% balance transfers for 23 months) to do a balance transfer of existing credit (about £2.5k) I need to use the balance transfer offer within 60 days (I applied too early) but I will have some large purchases in July which I'll be using my credit…
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HSBC 32 month 0% £25 cashback
Anybody take this deal out through MSE? Claimed you would get £25 cashback but am struggling to get HSBC to honour it. The deal is not on here anymore but did anybody take it and get their cashback or in a similar position to myself ?
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Barclaycard Cashback Platinum Visa card - so far so weird
The other day I checked out Euro rates for an upcoming holiday, of course I used "Travel Money Maximiser" from MSE and the most cost-effective way of getting my hands on Euros was to use a Barclaycard Platinum Cashback card to get money from a "hole in the wall" in Euroland. So I applied for one. On the day it arrived I…
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Debit card chargebacks
Sorry if not in correct section I purchased some items from Aliexpress all over £100 from same seller and the seller at first gave fake tracking then when it arrived items were missing and ones there damaged beyond use. I tried Aliexpress dispute but they didn't give me enough time to respond before closing in sellers…
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Question re: Closing account with zero balance
I am looking for some advice in regards to my current credit cards. I have two Tesco cards, one with zero balance, one which is near to its limit and on an offer that ends in July. I'm clearing monies off the balance, but come offer end time, there will still be a chunk of money left that I would like to balance transfer.…
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Large Purchase
Hi everyone, In about 6 months I will be purchasing a car, will be second hand and around the £5k mark. I was looking at financing options, I could get car finance at around 11% APR or I could buy the car on my credit card which has a £6k limit, my credit card APR is 5.9% so considerably cheaper. Also this would give the…
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Want to move over to 0% interest credit card
Hi all I am paying interest on a Capital One credit and want to transfer my balance over to a 0% new credit card but not sure where to go. I have worked really hard at getting my awful credit rating to a much improved state. I don't have a lot of debt on the card + under £500 ) but don't want to be paying interest now on…
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Charged Twice, asking for refund
As per the title, I've been charged twice for an invoice by my parking app. They are going to look into returning any due monies, but to do so they has asked for a screenshot of the account showing both payments being withdrawn (I'm fine with this) and also the first 6 and final 4 numbers of my card (not sure about this).…
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I'm not sure credit card companies are wholly responsible for small retailers adding charges for peo
I'm not sure credit card companies are wholly responsible for small retailers adding charges for people who pay with credit card. The intention which most retailers agree to is that the credit card fees are charged to the retailer who in turn benefit from a sales they otherwise would not have made. I personally have never…
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Almost every adult in the UK might get a £300 refund from MasterCard
https://www.theguardian.com/business/2019/apr/16/mastercard-court-ruling-paves-way-14bn-class-action I'll believe it when i see it.
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MSE News: Amex HALVES introductory bonuses on popular reward cards
American Express has revealed a raft of changes to its Membership Rewards cards, making it more difficult for new cardholders to earn big bonuses. ...Read the full story: 'Amex HALVES introductory bonuses on popular reward cards ' Click reply below to discuss. If you haven’t already, join the forum to reply.
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HSBC Direct Debit payment
Hi I have a direct debit set up to pay my HSBC credit card, it's showing on my bank account as taken today, but when I log in to HSBC it isn't there. Both the app and online banking show "No transactions" since my last statement. Should I be concerned?
