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Marks & Sparks Credit Card - penalized for early payment
I have just had a warning letter from M&S Bank about not paying the minimum amount for three months in a row. I had however settled the bill in full for each of these three months the day after the statement was issued. There was also a backup Direct Debit in place to cover for any memory loss on my part. When I called M&S…
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The best UK credit card to hire a car
Hello, I would like to hire a car in the near future, and I have heard that it is better to do it using a credit card, not debit. Could you advise which UK credit card is better for car hire? Thanks!
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Pre-paid cards - which one is recommended?
I am looking to get a pre-paid credit/debit card so can anyone recommend one for an adult and one for a child? I don't mind if they are different card companies. I have read the article https://www.moneysavingexpert.com/credit-cards/prepaid-cards/ and it seems that the Tesco Bank Clubcard Pay+ is a good one but the…
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New balance transfer on existing interest-free purchase card
I have a card (A) with 20 months left of interest-free promo with ~3k of purchases that I'm setting aside money for to pay over the life of the interest-free period. I have another card (B) with ~2k balance coming to the end of its interest-free period, I'm getting rejected for any new balance transfer cards but I have…
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rbs Keep or Ditch one of two Cards
Delighted oled is fully paid on one of two rbs cards during 0% purchase time. Status I now find is as follows. RBS -1 8.1k limit -9.9apr purchases 6.9 Balance Transfers -Zero Balance. RBS-2 1.3K limit 19.9apr purchases 0% Purchases until 05/23-Zero Balance I had intended to close rbs-2 -before I noticed latest 0% purchase…
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NewDay Pulse Mastercard
Considering that post last month about Amazon Platinum card users being transferred over to NewDay's Pulse card at the start of next year, was anyone transferred over to them from another partner brand? I don't think they support Apple or Google Pay, is this true? General thoughts about them?
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Guaranteed Credit Limit
Afternoon all, Quick Question. I have approx £7k outstanding on a credit card (limit is £15k) and the 0% period has expired. I used one of the credit checking companies to tell me which cards I’ll be accepted for (I’ve never missed a payment and don’t have loads of credit so it was basically all of them), and when the…
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Section 75 protection
Hello, I'm about to make a large purchase of about £15k and the deposit is £3k. I think the company would prefer for me to pay cash (debit card) which I don't mind but I would prefer a bit of protection so can I pay £100 on a credit card and the rest of the deposit cash or to get protection do I need to pay the whole…
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BALANCE TRANSFER CREDIT CARDS
I have a credit card which is 0% interest until December, can someone please tell me is it possible to transfer my balance to another credit card which is 0% interest for a longer time period?
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Credit card - 2 part time jobs full time hours
I have two part time jobs which equate to 38h a week, so I am essentially working full time with 2 part time jobs. I want to apply for a 0% balance transfer credit card to transfer my debt over from another card. When I come to apply, how do I go about filling in my work details as there is the option to say whether you…
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Balance Transfer CON with John Lewis
Okay - I have had a credit card with John Lewis (because of the Waitrose vouchers) for several years. For the first time I accepted a 0% balance transfer for £1200 in January supposedly until 2023. I then used my card for a retail purchase (a holiday) which I cleared in full by the agreed statement date. I was charged…
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Large bill to pay and cash ready - should I open a new reward credit card to pay it?
As per the title, I have a bill in the region of £30k to pay in a couple of months for which I have the cash ready. I can pay once or as a number of smaller payments. I wondered if I should open a rewards credit card and pay via that to get say Avios or something similar. Would that even work?
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Non-Amex Reward Credit Card - John Lewis or Barclaycard Avios?
Hi all I currently put almost all of my spending on my BA Premium Amex card - I enjoy travelling and so the avios are useful even when I have surpassed the trigger for the 2-4-1 reward voucher. However, I have a non-Amex secondary credit card for those circumstances where shops don't take Amex and at the time, the best…
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Income too low for a 0% credit card transfer???
Hi all. I've just filled in the eligibility calculator to see if I can transfer my credit card balance to a 0% credit card, and I'm not eligible. I think it's because my yearly income is too low, but that's unavoidable as I'm unemployed and on universal credit. Are there any 0% credit card deals where I'd be eligible to…
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Paying for flights with credit card
If I use my credit card to pay for flights and then pay the full balance back onto my card the next day, or when I get my first statement, will I still be covered for a 'chargeback or Section 75 claim should anything go wrong with the flight ?
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Barclaycard Mobile Payments
I've always used Curve in the past to front my card so I can use Google Pay (which my CC provider didn't support directly) and never had a problem with and never had a declined payment. I've since got a Barclaycard Reward so I can use it for international transactions without fees and thought I'd use the provided app.…
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Banks not advertising credit card offers anymore?
I thought it was just Lloyds / Halifax / MBNA that don't show you any details about their credit cards, such as how many months 0% they are offering... Now I noticed Virgin do the same. I wanted to see their offers but they don't say how many months you'll get on 0% rate, or anything like that. Just a representative APR.…
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Amex order number for cashback site
Can anyone who has applied for an Amex recently please help. A cashback site is asking for a 17 digit reference number beginning with 2022. Does anyone know how I get this or where yours was when you applied?
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Credit card agreement terminated by lender
I wondering if anyone could clarify for me as when I spoke to the lender they can’t give me a clear answer. They’re most unhelpful customer service I’ve ever came across this may be a bit long winded. The background is. my derect debit got cancelled at the beginning of the year without me realising (luckily I realised just…
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Credit card payment dates
Hi, I am new to these forums so please be gentle. I have a Lloyds credit card and I have been trying to find out how many days between purchasing something on a credit card to when you pay it off! I can’t find the information anywhere. I am not sure if it is 30 days or 60 days. Can anyone advise? Thank you for any help.
