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Nationwide Credit Card - see result early Part 2
A while back there was a thread on this board regarding seeing the result of a Nationwide Credit card eligibility checker early. I was one who checked the source code and had the "decline" decision shown in the code. However on 06 Nov, I decided to try again and lo and behold it said"accept" this time with a limit of…
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Any cards that let you make S75 claims online?
Nationwide doesn't let you make S75 claims online. You have to print off a form on their website and then print out your evidence and send everything via snail mail. In 2019. https://www.nationwide.co.uk/support/support-articles/manage-your-account/section-75-claims This is my first credit card so I don't know if this is…
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Aqua as backup for Amex
It seems like every thread around the Aqua card is to use it as a credit builder before moving onto "better" cards. Am I the only one that uses it as a backup for my Amex cashback? After Amex it seems to have the joint best cashback rate with Tandem and Tandem wouldn't approve me as it couldn't verify me for some reason.…
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Credit Card with Very Poor Credit
So after 4 years of destroying my finances and almost my relationship through being a compulsive gambler. I have now been clean for 6 months and I am looking to restore my credit somehow. We have high debts, but these will be paid off in January with the sale of the house. We both have numerous defaults but no CCJs. We…
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NatWest Rewards reduced
NatWest are reducing the cashback on their Rewards credit card from 0.5% to 0.25% from 1st February 2020. I have just received an email with this news along with other changes to the Ts & Cs. They say it applies to all credit card purchases so I assume that this includes the very welcome 1% cashback on supermarket…
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0% and balance transfer cards
Morning All, I am seeking some advice regarding my current situation. I currently have 2.7k on a 0% credit card until January 2021, and am currently making the minimum payments and stoozing the money elsewhere. I have more than enough in savings to cover the debt once 0% expires We are looking at booking a 1.5k holiday…
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Aqua payment requested query
Hi all :) So I recently opened an aqua reward credit card and spent £184.65 on it this month. I repaid the balance in full before the statement due date. The "payment requested" now reads £5 and my "contractual minimum payment" now reads £0. Spending limit is back up to the normal £450 which is my credit limit. Just wanted…
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Post Office Credit Card
Post Office credit card is now provided by Capital One. While in US repeatedly had the card declined, I have no credit issues, sometimes a security text was sent sometimes it wasn't. My backup card worked every time. Looks to me as though the Capital One security system is at fault. I note that Post Office is no longer…
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Amex reward card monopoly
I am curious as to why this situation of Amex being permitted to charge higher fees to merchants and therefore gain a virtual monopoly on rewards cards has been allowed to come about Traditionally Amex (and Diners Club) have always charged merchants higher fees. But in the beginning they offered exclusively charge card…
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Section 75 CREDIT CARD
Hi first post on the forum. Recently rented a villa in Portugal which was advertised on a UK well know Villa website with lots of facilities. When we arrived a number of the items that were listed on the website were not there or not working. On the Villas website it states " your contract is with the owners named on your…
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Not authorised
Sorry if this thread is in the wrong place - I'm new around here. I've had a browse around some similar threads but can't find one which exactly matches my situation. So I went to use my credit card to make a contactless payment today (A payment less than £10 in a store I regularly use). There is plenty credit in the…
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CC Reward Points - Are they worth it?
Hi All Wanted to get some others opinion on this, basically do all my spending on my two reward CC's which are Barclaycard Freedom & AMEX. My question is whether it is really worth it? Would I actually save more money by using my debit card for my regular spend as I don't know whether I am inadvertently spending more on…
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CapitalOne Credit Builder Card
Hey Guys, I'm new to Credit Cards and while I've read through the huge amount of information here, I just wanted to double check some things. 1) My limit is £200 and I'd like to use my Credit Card to purchase things I normally would (such as shopping etc) and then clear it at the end of each month however, will maxing it…
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First Direct Credit Card
Hi guys, does anyone know if First Direct offer any balance/money transfer offers for existing customers. Just deciding wether its worth keeping open.
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Unauthorised Payment - Section 75?
I wonder if anyone knows and understands Section 75 and Chargebacks and if they can enlighten me. I signed up to a course on the premises of a trainer, paid a deposit and agreed to instalment plan of 3 other payments. Subsequently, I liaised with the company to postpone the course and payments to 2020 and this was agreed…
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Direct debit clearing time
I've recently done a bank account switch which completed today on the same day my direct debit is going out of my account for my credit card. According to the Capital one app the direct debit seems to have gone through but the balance has not updated yet. I usually don't check how long that takes. Should I be worried?
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Returning a car - Section 75
Hello all :) hoping for some help with a problem I have trying to return a vehicle I bought 18 days ago... I purchased a used car from a trader on 21st October 2019. I have all receipts and paperwork for this transaction. The car has a comprehensive service history and is in visually good condition. II did everything in my…
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Paying Car Finance with Credit Card or Loan
Hi all, I have car finance with Volkswagen Financial Services (UK) Ltd. I'm looking into options of getting a 0% interest credit card or bank loan to pay off the remaining balance, as the interest on the car finance is much higher. Anyone with experience in doing this? The remaining balance is £11,500. Assuming I could get…
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Just lost my credit card virginity! Officially a credit card holder!
Hi All, I have just applied for my first credit card (Aqua) and got a whopping £300 limit at a staggering 59.9 APR. Have a few questions as I am new to this : 1) Is the credit limit a monthly balance of £300 per month or per year? 2) If it is an annual limit; can I not just pay it off in a month? 3) With a limit so low;…
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Balance transfer best practice
Hi folks, I have recently maxed out two credit cards £2000 limit on both to be able to move to England for a better job. Both cards have pretty high interest at this point and i was thinking about balance transferring to 1 0% card. My first question would be, how long should i wait after being added to the electoral roll…
