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Best reward credit card
Hi I currently take advantage of my NatWest reward bank account by getting the fee free reward credit card from NatWest - earning 0.5% on all purchases. Given the upcoming changes to NatWest rewards I’m actually thinking of ditching them for another bank - I can’t seem to find any equivalent cashback cards to switch my…
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Debt Consolidation
I currently have £35k on credit cards most charging interest at rates of 16-17% as I have not had a 0% balance transfers for a long time except on one card that is already at it's limit! One of them has £3.5k where the last of my 0% balances hits 28% in a week. My bank has suggested they would lend me £10k at 13.5%. If I…
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Turned down for credit card
I've just been turned down for a 0% balance transfer credit card. Last time I tried, I could only get a card with a £900 limit. And when I got the loan I couldn't get a great rate either. Is there anything glaringly obvious I could work on sorting before applying again? I've just joined the MSE Credit Club, which is where…
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Should I close Cap One card?
Somehow I've gone from only being able to get a Cap One/Aqua/Vanquis/etc card with a £200 limit 6 months ago, to now having a Virgin card with an £1,800 limit and a Halifax card with a £3,700 limit. I only use the cards for petrol, food, etc then pay them off in full each month to create a credit history, and because I had…
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Nationwide Member Card - Extra Checks?
Evening all, been lurking here a while but never posted. Always seen great advice so hoping you may be able to assist me too. Tried to find an existing thread but all seemed pretty old and didn’t quite match. So today I did the soft search with Nationwide via the app for their 15 month balance transfer and purchase 0%…
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Sent a MasterCard in my name
Not sure if I'm in the right place. I have come home and seen that I have been sent a MasterCard from a company called MuchBetter Payments in my name. I have never signed up to it. They are not replying to my emails/messages and do not have a phone number. I am worried. What do I do?
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Credit card balance transfer - can i do it twice from same account?
i have just gotten a tesco "all round" credit card they call it that i think - its 0% purchase and balance for 15 months. whilst i got the upper end of their APR (26%). this is way better than the 39.95% from vanquis (limit slowly changed over time to 2.2k), which was the only one i could get after a BR / bad credit…
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Am I likely to get a refund
Hi, I recently booked a hotel using my Virgin Atlantic credit card which I am now looking to cancel at late notice. After speaking with some friends that have stayed there before and looking at recent TripAdvisor reviews, it doesn't sound like the hotel is in a fit state to be operating at all, with talk of mouldy rooms,…
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Refund that makes my credit card go into credit?
Hi there, I am expecting a refund on my credit card. I have just paid it off in full, so I'm wondering what would happen when the refund comes back. Will it get "bounced"? Thanks
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Amex direct debit con
I've got several cards in my wallet and had Amex cards of one sort or another for the last couple of years. I've just switched to the Avios Amex and set up a direct debit as this wasn't automatically done at card sign up (unlike every other card I have). The most important issue I noticed is that my statement date is the…
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Aquacard credit limit reduced for no good reason
I have an Aquacard credit card which I have held for about 8 years. Recently they contacted me to say they were reducing my credit limit to an amount which is "more suitable for my level of use". I have an excellent credit rating with all the agencies, no negative factors, and have never missed a payment. I have been using…
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Is an unused credit card bad credit?
I've popped over from the DFW board. I owe a lot on credit cards and have no 0% deals on offer and just meeting minimum payments. I have one credit card with a £5k limit and nothing owing on it at all. No offers on the account (I checked). I don't have the physical card as it was only for a balance transfer in the first…
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Can I use husband's income to get 0% balance transfer credit card?
I am currently a full time mum, working (very) part time. My husband took redundancy soon after we had our baby, ended up working part-time, now works full time but travels a fair way to get to work so spends a LOT on petrol. So our financial situation has been pretty dire recently, and for the first time in my life I've…
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ideal cash credit card (fee:0 interest:0)
hello. I'm looking for a second credit card and am interested in getting a cash advance service. my question is simple Is there a credit card that does zero fee and zero interest for cash advance? I have done some Googling and the best I could come up with is was zero interest but 2.33 fee, I think that was from MBNA.
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Tesco Bank - Chargeback vs. Section 75
Hello and thank you for reading my first post on this forum! I have bought a mobility scooter on a Tesco Bank credit card (£2200). After delivery, I noticed that the battery cannot be fit in properly (the lock latch does not go underneath the plastic handle, unless you apply a lot of force), a fact that renders the scooter…
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Credit card fee
"Spending and balance transfer length and fee: Up to 25 months 0%, 2.7% fee" Assume this means 2.7% on balance transfers not on spending. The quote comes from the barclaycard 0% credit card description. Please help.
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Applying for amazon mastercard for free gift card
Hello, I am in the middle of doing my christmas shopping on amazon and was offered an amazon giftcard if I was successful for applying for an amazon mastercard. If I was to apply and be approved for the mastercard, use the gift card but then not use the mastercard whatsoever (I would rather make my christmas purchases with…
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0% credit card on new purchases with high credit limit £10K
I'm furnishing a holiday home from top to bottom and I reckon I'll need to spend about £10K. It would be very convenient to make all purchases on a 0% credit card (new purchases), but I'm not sure many will offer such a high credit limit. We have a very healthy joint income so that shouldn't be a limiting factor. Anyone…
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Amex: changing to free card.
For the last 11 months I have been using the Amex Preferred Rewards, which is free for the first year and then an annual fee kicks in. I would like to replace it with another card with no fee, and keep the reward points I have earned this year. Has anyone been through this process? Can you advise on the best way to achieve…
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AMEX Platinum Charge Card - Worth it?
I've had the Gold Charge Card just gone two years now, and I think it's great. I've always met the criteria for 10,000 yearly points bonus, and I also get on great with the double points on travel/foreign expenditure. I did try the Platinum Card about 18 months or more ago but closed it down after a month or two because I…
