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First credit card
Looking to book flights for a holiday ~£1000. Currently don't have a credit card, was looking to get a credit card anyway - someone has recommended the British Airways American Express® Credit Card - which I can see has no annual fee . I rarely make large purchases, am able to pay off in full. i'd like to build credit…
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Credit Score
Someone I know who doesn't have any credit history recently opened up a new bank account and has a credit card, however is he seen as high risk as its been only 9 months, however his credit experian score is 877/999. Can he apply for a big loan or a mortgage at this moment in time? His recently payments have all been on…
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credit card cash back
Hello, I am new here and looking for advise! I am about to pay off my holiday (£6K ish) and im wondering if it is worth getting a credit card purely to gain some cash back/vouchers as its such a lot of money. we don't have any other credit cards..... can anyone recommend a card with some good deals on at the moment or…
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Credit card on joint account
Hi all, I have a joint account with my partner through Halifax, I have also taken a credit card with them. If I register my card to online banking will it show on my partners online banking app or just mine? The reason I ask is I want to transfer a balance from another card that my partner does not know about, she worries…
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How does a refund to a credit card work?
I bought something using my credit card which I think I've already been billed for but today I got a refund for that item which has been sent to my credit card. Is there anything else I have to do? Or will the credit card company in turn send back that money to me or something?
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Card declined - no warning
When my wife was supermarket shopping yesterday her Mastercard was declined. She phoned the card issuer who told her that she'd used the card on a site that has been compromised, so the card had been "stopped". Why do banks not warn their customers that their card has ceased to be valid? Don't they care that the customer…
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M&S Bank Credit Card
I'm setting up a donor current account in order to switch to M&S Bank to get their gift vouchers and regular saver. I saw that if you're a credit card customer, you can increase the vouchers by £40. I saw another on the Cards and Loans page on MSE that if you apply for a card, you can also get £25 in points/vouchers, so…
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Barclaycard credit increase - how do I maximise it
I have a new Barclaycard, just over 6 months old with a credit limit of £1200. It's too small for me. Now I'm just starting to use it, having only made a few small transactions up until the last month. In the last month I have started using it and the limit is so small, that to keep it active i have had to pay money into…
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Clarity Card Usage in Japan
Does anyone have experience using their Clarity card in Tokyo, Kyota, Hiroshima? How widespread is card acceptance? I have heard rumours that not many places take card. Also are there many cash points I can use to withdraw from using my card? Do the machines often charge a fee? Ideally i want to take just a small amount of…
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AA Credit card
We are looking to transfer our AA balance to a 0% deal with another credit card - can anyone recommend one please that will accept a balance from The AA as several don't? Example being Sainsburys who offered us a card and 0% however do not transfer from The AA. Many thanks!
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Large payment using credit card or cash(at a discounted rate) ?
I'm having new boiler fitted this Thursday and Friday. I've been quoted £3,500 but discounted down to £3,300 if I pay cash (after work is completed on Friday). Originally I thought the cash option referred to payment in full via any means e.g. cash, credit card etc (as an alternative to an installment plan). However I now…
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Best time to ask for a credit card limit increase ?
Let's say, non hypothetically that my card limit is £5k, my spending this month £4500 and the bill will be paid in full (as it is every month) Should I apply for an increase now, whilst i still owe the £4500, or after I've paid the bill? What will the algorithms favour? FWIW Reason it's so low is that was the initial sum I…
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Free cash abroad for wedding
Hello, I'm looking for advice on how to use Balance transfer, 0% interest for spending cards to pay for a wedding I'm planning for next year. My budget for the wedding is 20k. I have Halifax Clarity cc, Starling, Revolut and Curve cards I'm using while travelling and savings to cover most of the costs of the wedding, but…
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Credit limit increase offer
Should I always accept a credit limit increase if offered it by a credit card company or a store card or catalogue even if I probably don't intend on using it? Say the limit is relatively small, should I accept the increase?
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Tandem card application
Hi, My other half applied for Tandem Cashback card on 21st April. The applicatiom was referred. She just had a chat via there app and they said the applicatiom is on verification stage. I have asked him what is verification stage and how long it would take for a decision but he could not answer What is verification stage…
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Is it best to transfer all credit onto one card?
Hello :j I am finally trying my best to get my money on track. Basically, I have 3 credit cards all with around £1500-2000 balances on. This is all my own stupid/poor decisions about money, I am well aware of how daft I've been. I've stopped using ALL credit cards and managed to get all but 1 transferred to 0% interest…
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Paying a ‘fixed amount’
Hi all. So I have some debt on a Barclays credit card, I had a look on the new replacement calculator they have and it shows me I’ll save (time and interest) considerably by paying a ‘fixed amount’. Is this something I need to set up to do? Can anyone explain to me how/why it’ll bring the balance down faster? I googled it…
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Flight Compensation - Rights under Section 75
Hi all, Long time forum reader, first time poster :) I booked a flight with Primera Air in April 2018 which was delayed by x number of hours and was due to receive compensation, but they have since gone under and I'm new to the Section 75 rules I paid on a credit card and have email confirmation from Primera the…
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Credit Card to pay for Holiday
Hi all, I hope you are all well. I'm after a little guidance if you could assist please. I recently paid for a holiday on my credit card, and was going to balance transfer over to another card. But i was wondering, would i still be covered under the Section 75 cover, if i balance transfer away (essentially clearing the…
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Capital on Tap
Hi Sorry if this is in the wrong place. Capital on Tap is a business avios-earning credit card. Apparently HMRC accept this if paying VAT/corporation tax as they view it like a Mastercard debit card. Has anyone done this? And is it possible to pay off student loans in any way with this? Thanks
