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Section 75-style protection in other countries?
Hi all, This is purely for curiosity! Does anyone know whether any other country (other than the UK) has Section 75-style protection? I am just in awe of our system in the UK!
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MusicMagpie credit cards declined
I tried buying an iPhone on MusicMagpie Saturday and I was declined three times with 'Do no honour 2000' (means bank declined the transaction). I tried my Halifax credit card twice, took me through to Halifax secure verification, and stopped almost instantly and took me back to payment. I then tried my Santander credit…
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Credit Card Interest Rate Formula
Hi ,Could you please help me. I am holding Halifax credit card. I planned to make a balance transfer. I got an promotional offer as 4.9 % p.a on balance transfers for 36 months(0% fees applies). I have one doubt, if i do balance transfer 1000 pound. If i make direct debit minimum payment also without fail. How much…
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Barclaycard Platinum card
Can anyone confirm that there are definitely NO FEES whatsoever for withdrawing cash (either the European destination or Barclays Bank) if I get Martin's recommended : Top Overseas Spending Card: Barclaycard Platinum Cashback Thanks in anticipation.... off on our hols in 10 days :)
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Barclaycard Platinun
I understand your problem. Both my husband and I have Barclay Cards. My card gives reward points and hubby's is a Platinum Card which I assumed would have better rewards than mine. When I saw Martin on This Morning recommending the new Platinum Plus card with cash back I contacted Barclaycard by phone and asked for both…
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Buying a car and what cover do I get?
Hi. Im looking to buy a car from a private seller for £10,000. Im worried that despite me doing checks that the car may turn out to be a clone, stolen or not what it seems. If I pay for some of the car on one of my credit cards will I be covered if it happens the car is a dud Many thanks for your help
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Duplicated transaction - Halifax not being helpful
I used my Halifax credit card on holiday last week to buy an item from a small independent electronics store in a Spanish shopping centre. This is just a little stall selling hairdryers, shavers, etc. Not a big set up. There was some trouble with the card machine connecting when I tried to make a payment but it went…
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Info required
I applied for a new BT card at the end of Feb and transferred the balance from MBNA to Tesco Bank on the 3/3/19. I have checked all 3 CRA and the MBNA balance is still showing as the amount I transferred and obviously so is the Tesco one. How long should it take to go off my report. Thank you
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Balance Transfer offers
Hi everyone I have two credit cards with halifax. One has a high limit, nearly £15k and is 80% utilised with a 0% BT and is being paid down at nearly 3 times the minimum payment. It has a current 0% balance and money transfer offer although only for 9 months. The other has a limit of £3.2k. It was full with the…
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Poor Service from Revolut and RBS
Been posting on here for years but this is the first time I've had issues of my own so thought I would share them with the forum. I've been a big fan of Revolut for a few years now and use the card on an almost daily basis. I am a Metal subscriber so I pay £12.99pm and get some additional benefits (cash back, travel…
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Section 75 question
I've got a holiday booked via Thomas Cook for Oct 2020, currently paying it via Interest Free direct debit payments. Having seen a few things on the news last about Thomas Cook potentially going bust if I was to make a 1 off payment towards the holiday on my credit card am I still protected even though I'm 4 months into…
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Texas homecare credit card
Can anyone help me with this please? Back in the late 1980's I took out a credit card from a branch of Texas Homecare to purchase a greenhouse. I know for certain that I paid PPI on this card, so would like to be able to claim this back. Problem is, I have no idea who the lender was behind this credit card, as obviously it…
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Need educating on credit card
So I took up the latest offer of a 29 month 0% interest on a balance transfer of about £600 on one of my credit cards to another. Since taking the credit card out in February, I spent money on it to buy some flights thinking that I have this initial period of 0% on purchases and that this would still mean I would be…
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Quick query please from a noob
Hi, sorry for silly question but I just wanted to ask about a credit card balance transfer. My current company said if I transfer they charge a 5% fee and also the standard interest rate of 18.3%. Does that mean if I transfer £3,000 to a new card my total charges would be £150 for 5% and a further £549 for the 18.3%??…
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Which banks...
Which banks accept TV license as proof of address? Which banks will accept identity/address verification being sent online apart from Santander? Cheers lads. I'm talking about both debit/credit cards.
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Aqua - Payment Requested and Contractual minimum payment...
Hi, I got my first credit card about just over a month ago with Aqua. It says Payment Requested: £5.80 by a certian date, so i paid this, and the amount went into my balance to spend, so i spent it the same day. My Contractual minimum payment says £0.00 so have i paid the min for this month then? I ended up going out down…
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When a Top Recommendation Disappoints - Starling Bank
Advice for all... We are going on a European holiday and reading MSE recommendations on which card to take with us, settled on the top recommendation of Starling debit card. Followed the account opening routine, from downloading an android app, to the uploading of a video reading a set sentence, to uploading a copy of my…
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Interest Rate Calculator
Hi all, Just a quick question regarding the monthly interest rate on credit cards. Would I be right in thinking that if a monthly interest rate for a credit card was 1.870% monthly on purchases, does that mean they charge 1.870 of your balance? This is what I see on the dashboard: Monthly Interest Rates Cash transfer and…
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Barclaycard - Reapplying
Hi all, Does anyone know if Barclaycard have changed their policy on the blackout period after cancelling before you can reapply? I can't remember exactly when I closed my account, it was sometime last year. The credit file has backdated it to when I last used the card which was March 2018 but it wasnt closed until much…
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Best time to apply for new credit card after closing another credit card
Hi, I have a barclaycard credit card which I’ve now paid off so going to close it s there’s no reason to keep open. I also have a Halifax clarity credit card which always gets paid off every month. As I use the Halifax for the majority of monthly U.K. transactions, I’m intending on applying for a Tandem credit card as it…
