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Which Mastercard credit card as an alternative to using an MBNA VIsa card?
We have a good credit record, and we always pay off the balance on our MBNA Visa credit card each month. Mainly because we're paranoid about the risk of the Visa system going down, I would like to get for an alternative a Mastercard credit card provided by firm which has no connection to MBNA. All I need is a rock solid…
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Timing of Eligibility Checks
Hi, After being able to reduce down my debt and paying off a fair chunk each month, I've been improving my eligiblity for better credit. With a consolidation loan, I now pay off all my cards in full each month and would like to get an Amex card for my everyday spending, to take advantage of their cashback offers. I've been…
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Barclaycard Platinum - interest free period
Hi, I'm looking to apply for a Barclaycard Platinum card (up to 24 months interest free on purchases) , I have a couple of questions. The following appears on their site under the summary of rates: https://www.barclaycard.co.uk/personal/platinum-purchase Does this mean that if I make a purchase on the card during the…
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How do I cancel a secondary credit card?
I have a Barclaycard and my ex-husband has a secondary card. I want to cancel his card, just in case. The direct debits to pay the balance are coming from his account and I want them to come from mine instead. My problem is that when I try to do anything through the app, including trying the chat, I just get directed to a…
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Aqua app down?
Anyone else having problems logging into the Aqua app or website?
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I've never done a balance transfer before and need some advice
I have an MBNA card that I got with 0% for 48 months back in 2018 for a DIY project. I was paying off all okay by financial things happened and I could only pay off the minimum amount...so now interest is being charged which will take forever and a day to pay back. I've seen the 'Sainsbury's Bank Balance Transfer Credit…
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Multiple credit cards to help rebuild - Good idea or not going to make much difference?
Hello! Let me start by saying thank you to all those who post their questions and advice on these forums. I've been lurking for a few weeks and have learnt so much just by reading. I have recently completed my IVA (entered in September 2017 and settled in November 2021 - mum was able to pay the final chunk in a full and…
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Section 75
My sis in law wants us to arrange to come with us on holiday. She lives elsewhere in the country All good. She wants us to pay her share by CC. She will reimburse us In cash. I need to know if the company folds would all 3 of us be protected by an S75 or just the 2 of us as the card is in my name Thank you
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more purchases treated as "cash"
Hello, Since Jule 2021 in, latest being September 2021, Lloyds notified that starting 15 October 2021 they will treat some credit card purchases as cash transactions. They shared a non exhaustive list of transactions that will be included in their new definition of cash transactions. I called them and they confirmed the…
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Nationwide woes
Hi, I have held a current account and credit card for many years, but I am now really fed up with Nationwide. Once again they have started declining my online CC transactions. On 25th Feb: I receive a letter asking me to phone. I phone and after long wait and many security questions, I am told they cannot answer and must…
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Plevin claim
Hi all not posted for a long time I have recently been made aware of the Plevin court case. My hubby had a credit card with Lloyds and we had a PPI claim upheld sometime ago. This was pre Plevin so it wasn’t automatically checked for Plevin. Can we still claim as we obviously didn’t claim for this before. If we can claim…
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A little confused!
Hi all! So I've been tackling my cards recently and my Aqua card statement came out on the 15th Feb. I paid £200 on the 17th. I have a direct debit set up to pay £50 which is always more than the minimum payment. The direct debit was due on the 4th but hasn't been taken but it still says £28 is due. Do I need to manually…
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2022 Cards Reduction+One Addition.
Bip =1200 Tymit=1000 Cap One 200 2.4k to be Cancelled. Today accepted 3rd r.b.s. card 8k 26.6 Reward Card. This completes new way forward, using latest card on arrival for shopping. In addition to rbs cards keeping Nationwide + Amazon +Virgin Money cards and Amex -to retain decent limit's. Not sure of ditching Tesco -600…
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Unexpected pending transaction
I always pay my card in full each month. I have a high balance currently due to paying for a holiday. I just booked a restaurant for three months time, during the cruise, which will actually come out of my onboard credit but they have ringfenced the payment on my registered card which I was not aware that they would do.…
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Transfer card that accepts British Airways Amex
I have a B A Amex card ,i paid for our up coming holiday on it and payment of the balance is due in a couple of weeks ,whilst we have sufficient funds in the bank to pay this in full ( i could pay the minimum but do not want to pay interest ) i was thinking of getting a zero fee /zero interest balance transfer card and…
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Sainsbury Credit Card - Zero Interest BT
I got a Sainsbury CC as it offered a zero interest balance transfer. Indeed my statement said …. We don't charge interest on purchases made during your latest statement period if you pay off your full balance (including any balance transfers and money transfers) by the payment due date and if you also paid your previous…
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Eligibility Form
Hello. I'm looking to transfer a credit card balance. I have a query with a question on the eligibility form. If I'm married and my partner is the main earner can I say I have no one financially dependent on me? Thanks
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Refund after successful Sec 75 claim.
I recently had a refund from my CC after 2 years if going through a protracted claim with the supplier. The FOC found in my favour and the CC has paid. After literally months of no useful contact with the supplier, things have started moving... possibly...all within the same week. What should I do now?
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Additional Card Holder Access
Hi there Just wanted to know if I'm right in my conclusions regarding a card with an additional card holder. My wife and I have recently set up a new credit card - in-fact correction, I have and I added her as an additional card holder. I assumed that when we both received our cards (from Virgin Money) we would both be…
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Switching bank ... will old bank credit cards remain valid?
This is probably a stupid question, but if I close my TSB current account by switching to Santander, will my TSB issued Visa and Mastercard credit cards remain valid or will I need to apply for new cards? I phoned Santander and they were adamant that the old TSB cards could no longer be used, however at…
