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Credit Card Options
Looking to get a credit card for the first time in over 10 years. Last time I had one it was from my bank. This time I'm thinking to get a card from either of the two companies we shop from most often - Amazon or M&S - to get the benefit of points/perks (with paying it off every month and not needing a balance transfer…
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What happened to the MasterCard FX refund?
In the last few years, I remember reading about MasterCard being forced to pay compensation to those card users who bought items in a foreign currency. What happened to that case? Did I miss the resolution or the refund?
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GoDaddy Auction Domain - Credit Card payment - Section 75
Hi, I am looking to purchase a domain via godaddy auctions. It is worth around £1.5k when converted from USD. I am planning to use credit card to purchase it. I will assume that godaddy would have done all the due diligence check before allowing someone to list the domain on their platform for sale but wanted to confirm…
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What's the silliest way you've ruined a credit/debit card?
Today I learnt from another member of the Forum team that wireless phone charging pads can ruin debit/credit cards. If you're someone who keeps their card tucked into their mobile phone case, make sure to take it out before charging your phone on a wireless pad. Have you ever ruined a payment card? How?
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Churning credit for rewards?
Hi I don't think this is 'stoozing' but correct me if I am wrong. Is it possible (in the UK) to use a credit card to buy something which is directly redeemable as cash (thinking a Visa Debit voucher card), redeeming back into your bank account, paying the credit balance and then collecting the rewards? I know this isn't a…
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Money Transfer
I am planning to borrow £4k for a small home improvement. I have an MBNA credit card, paid off with enough credit that is offering 3.9% over 36 months with a 0% fee, I have budgeted for the repayments and I don't plan on using the card for purchases or anything else. I haven't used credit for a few years apart from the odd…
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Should I Close an Unused credit card?
Hello, Quick question, I have a poor credit score and I have been trying to get a better deal. I currently have 3 credit cards all with a 0 balance. Aqua 950 Limit- I would use this daily and pay in full Vanquis 250 Limit- Barely used as rates and limits were both given to me after signing up and both are very poor.…
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Paying off car loan with credit card?
Hi All, Would appreciate your view - oh wise ones! I have a balance of about £12k on my RCI car loan with an interest rate of 11.90%. I want to pay it off with a 0% credit card (it would reduce the term and reduce the balance by £2k), but I see they won't accept settlement with a credit card. I have recently applied for a…
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Tesco balance transfer not being honoured
Hi, I'm a newbie to this group, but have of course watched, and taken advice from, Martin over the years. I think this is a word of warning, rather than trying to get a fix. But just watch carefully what's happening if you do a balance transfer to a Tesco Credit Card account. I got an email offer last year (the same offer…
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Really chuffed!
Finally got rid of my credit cards, cancelled and cut up 13 of them, here they are in the dustbin. Started many years ago when interest rates were very high and would transfer from one to another. Now just keeping one with £0 balance. So my message to you all is don't give up you can be free of them it just may take a…
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Increasing Credit Limit
I've got an Amex Everyday cashback card and Amazon Platinum card, both have relatively low limits but not going to ever restrict my spending habits. I know New Day say to wait 6 months before asking for a limit increase and I guess Amex is similar too. When it comes to asking for a limit increase, are there any downsides?…
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refunds on credit newday credit
what balance is £9 sixteen before probably £600 just looking to know how long my balance is available without paying yet altogether is it 30 days perhaps do they even allocate payments refunded in this case in same balance form thank you
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Car finance settlement
I want to settle some car finance of about £4000 with VW financal services. If I use my tesco credit card for the whole amount i will be charged a transaction fee. If I do a bank transfer I won't have the section 75 protection or should I pay £101 on the credit card and the rest by balance transfer? Thanks
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MBNa and Lloyds
Hi, I have cards with both and receiving emails to stay I am eligible for BT offers however they are not showing on my online account. She wasn't sure why emails are being sent. I have spoken with MBNA and they told me eligibility is subject to status and at the moment is not letting her view the screen. Anyone had this…
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Card protection expiry?
Hi all, my wife and I like to book our holiday well in advance, we pay via Credit Card (Visa). Last year we had our holidays cancelled, like a lot of people, our tour operator did not refund us, (Olympic Holidays) so we had to claim through our credit card. Olympic are now asking for a huge deposit for there 2023 holidays…
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Amazon new day
Hey Everyone Just a quick question, wife has gotten a Amazon Newday credit card and has been using it on Amazon and elsewhere. However apart from the welcome £40 reward points gift card, no points have yet been added and reward points earned so far still says 0 ? I have read the terms and conditions but is there a period…
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0% credit card with high limit
I like the option I saw on MSE about financing a car purchase with a 0% interest credit card, but all the ones mentioned on MSE seem to have a limit of only £1200, which you can't get much of a car for. Anyone know of any 0% cards with higher limits (£10,000-£12000)?
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Is it worth asking Barclaycard for a credit limit increase?
Hi, I was thinking about asking Barclaycard for a small increase on my limit. It is £400 and have had the card nearly 4 years and always paid in full. I don't want or expect much increase and have £1600 limit on a Halifax card so it is not my only credit. I always stick to a max of 25% utilisation on each card. I have been…
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Virgin Balance Transfer
So I got an email saying I could cut the interest I am paying on any loans I have in place - brilliant! I have 41 months left with my bank at £494.14 - and got an early settlement figure of £16199.12. Virgin are offering 35 months at 0% which would cut my payback by just over £4 (minus the balance transfer fee etc) Here's…
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2 promotional rates what hapoens
Hi Currently have credit card with promotional rare ending July 22. Have been offered money transfer 0% till April 23. If I do a balance transfer in July how can I be sure it come from the former rather than the latter?
