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Barclaycard Rewards Visa
Considering applying for the BRV in time for an upcoming holiday abroad. However, although MSE makes it the top pick for a travel credit card ( and i can see why ) one thing that does concern me is that withdrawing cash from ATM with CC is said to be seen as a negative by credit agencies. However i do not have any major…
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Keep older credit card or ditch?
After what seems like a lifetime of being in a cycle of debt and a terrible credit rating, I'm finally on the way to getting out of it. When covid hit, I was suddenly left in a position of living alone in a house I couldn't afford on my own, and the situation just got worse. I was living on my credit cards to get through…
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Are points calculated per transaction or per statement?
Been looking for ages but haven't been able to find a clear answer for this. Was looking at the Tesco credit card which pays 1 point per £8 spent in non Tesco stores, my question is are the points calculated per transaction or per statement (i.e. total amount spent in a month). As in if I buy 10 items for £7 each am I…
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Creation double payment
Hi, I have a plan account with Creation for goods I bought from Currys. The balance left on the account was £455. I made a payment using my NatWest credit card without knowing it will be treated as cash payment. So NatWest has charged me a cash fee. My fault. But Creation website said no where bank charge for credit card…
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Sainsbury's Nectar card points reduction
Had my Nectar credit card since Amex started charging for theirs and have always used it to save my points for the December shop. Looks like the points value is about to be reduced again according to the letter I received yesterday: From 1st November, any transactions when you pay with your Sainsbury's Credit Card in…
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Sainbury's Gold Credit Card
I still have a Sainsbury's Gold credit card, however it is incredibly difficult to find out any information about fees when using the card abroad. There is nothing online anymore and even phoning the Sainsbury's Bank helpline usually imparts incorrect information. I have just made another call to them and was initially…
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Balance transfer large balance
Hi all, I have a large balance (£18k) across two cards both charging interest. I would like to transfer to 0% to try and get back on track with clearing the balances. Due to the large amount I’m being rejected for balance transfers by card suppliers. I have a very good credit score (969 Experian) so I can only assume the…
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Unauthorised payment
I'm just after some reassurance. My bank stopped an unauthorised payment going through on my credit card and let me know. I checked via the app and saw another unauthorised payment showing as pending. The bank said they'd reverse the payment, cancelled my credit card and are sending a new one. It's three days later and the…
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How likely to get another transfer card once 0% runs out on first?
Hi New to balance transfer type cards, so abit unsure on the liklyhood of this panning out as I hope. I've got a high credit score (in the top 'excellent' band of the Credit Club Dashboard), and I'm looking to get a 0% money transfer card to shift some debt onto to save interest and charges. My question is, if at the end…
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Credit cards
Hi Had a credit card with aqua, kept all payments up to date throughout covid and my recent job changes, They sent a letter saying they will not be reissuing a new card once my current one expired, so technically me paying whatever off for no reason. Actually !!!!!! off with them tbh, should i just tell them to stick it…
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Credit limits - an odd correlation
A long time ago, I noticed that the credit limits I get on MasterCards (and Access before that) are significntly lower than those on my Visas. This has been the case for over 40 years. In recent years, this effect has been getting increasingly pronounced: the sum of the credit limits on two of my MasterCards (taken out in…
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Santander All In One Credit Card
Had a Santander all in one credit card for a couple of years now and have been really happy with it. Used it a lot, even bought a motorbike on it for the cashback which i paid off slowly on zero percent apr. I am approaching the end of my zero percent offer on purchases and balance transfers. What is the best approach with…
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Help with Barclays Credit Card for beginner
Hi, I hope you're well I just wanted to clarify something, is the 0% interest exactly what it says on the tin? Scenario: I want to purchase an Item for about £700. Now I was going to get this outright to save myself the headache but I then thought it would be good to spread the cost if I could. However, I really don't like…
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Spreadsheet download on a Sainsburys Credit Card?
Thinking of switching from a John Lewis Credit Card to Sainsburys card (Nectar). Does anyone know if it is possible to obtain a CSV file download of the transactions?
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Contactless CREDIT Cards
Hello Everyone, Can someone advise me of what CREDIT Cards you can get WITHOUT ANY Contactless Payment facility on it? With the payment limit now £100, (which I know with some you can set lower, or even zero) the multiple transactions that can go through before the PIN is requested is £300. I would prefer not to have the…
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Reduction of Credit Limits
I have credit cards which I am paying off - i dont spend on them - the balances are due to me having to pay for unexpected funerals and then the challenge of the pandemic. The issue I am facing is that the credit card companies unilaterally reduced my limits so now I look as if I am using a large % of my credit facility -…
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Zero balance transfer confusion
I used this site to arrange a zero balance transfer via HSBC. The application process seemed fine and was offered £1800 over 32+months - I wanted to clear my Nationwide Credit Card and completed the details for the transfer. Today I received a HSBC credit card but no details or mention of zero percent transfer. I’ve been…
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When do Capital One report late payments?
I received an email from my bank at nearly 11pm on the 31st about an unpaid payment on my account. When checking my online banking, they tried to take my Capital One DD on the 30th, but it shows up as a returned DD. I don't know why it was returned, it would have put me £30 into a £250 planned overdraft, the day before I…
