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Interesting conversation with CAP1 re: limit
So yesterday I decided to login to the online portal with CAP1 and check my eligibility for a credit limit increase although I was fairly certain I had the maximum £1,500 for my type of account anyway but still, no harm in checking. I’ve had the card 11 months and in their blurb it says limits are often reviewed and are…
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RIP Barclaycard Cashback Platinum for everyone?
I've had the Barclaycard Cashback Platinum for years and it had two benefits: 0.25% cashback, and free foreign currency spending. Just got a text that after 31 October all foreign currency spending will end. Are there any alternatives from Barclaycard? Shame that this is over.
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NewDay John Lewis card - only 15 days to pay statement
Just info for others as I've just discovered this. Received my first statement for my new John Lewis NewDay card to replace the discontinued HSBC one. Was surprised to see that they only give you 15 days to pay it as all other cards I have ever had give at least 21 or 25 days to pay. I messaged them from within the app on…
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Using Cash advance offer query?
hello, new to the site and have a query i'm hoping someone can advise on. I have a credit card with a reasonable sum of balance on it that is out of introductory offer so i am paying interest each month :( Unfortunately, i seem illegible for another card to shift the balance to at the moment, however i have 0% offer on the…
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4.9% pa fixed rate
I am wondering if i transfer an amount to a credit card with the above fixed rate, does this apply to the amount transferred, or the whole balance? I assume it will only be the amount transferred?
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Increase credit score - credit card
Hi, I have a credit card with small balance remaining but I’m not due any amount to pay this month as paid off big amount earlier this month. Do I clear the outstanding balance or leave it on there until my credit score renews next week? Balance is less than £20. I want to increase my credit score. Or do I spend more?…
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Barclaycard issues with buying things online
Hiya, I wondering if anyone has had a similar issue to me when they first got their Barclaycard Rewards card. I got my card a couple of days ago, activated it and registered it for the app and I have used it in store fine. I then tried to buy something online and when it gets to the part where it does the Visa Secure, it…
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Pay down plans
Can someone tell me please can a credit card company make you go on a pay down plan and stay on it as they have doubled my payments and am finding it hard to cope
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Asda Money JaJa DD failure Triodos
Hello, not entirely sure whether this is a bank or credit card problem. Summary questions: Is anyone else having issues with Asda Money (JaJa finance) taking DD's? Is this a Triodos bank specific issue? Explanation: I have had a Triodos current account for years, I recently got the new Asda Money card so I can earn…
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Barclaycard rewards cashback exceptions
I recently got this credit card and was wondering if there was a list of things you don't get cashback for. I couldn't find anything about it online and the link on the barclaycard website is broken. I made a purchase and can't see it in my cashback, so I'm wondering if its still pending or if it doesn't qualify.
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Sainsbury balance transfer
I applied and apparently got accepted for the 34 months balance transfer onto a Sainsbury credit card account. I asked for transfers from 3 other cards. I was told the transfer would happen until the new card was activated. Still waiting for the card after two weeks- is this usual? Is there a way I can check the progress…
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Leaving the UK - can I take my credit cards with me?
Hello, I am leaving the U.K. I have credit cards with Santander, Barclays and Virgin Money. Can I take these with me when I leave, or do I have to cancel them? I'd prefer to keep them as I buy a lot of stuff in sterling. I owe £3K on the Virgin Money card @ 0% interest, and the other two cards currently have a zero…
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Easyjet Eurocard Refunds
they shut down the card about 2 years ago saying we had to use exelaonline for refunds. I sent all the bank statements etc they required. no refund came, then they said in March 2022 it is all now handled by easyjet@tuxedomoney.com. They never replied to ANY of my emails. I then found on Wirecard/FCA website that Railsbank…
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Credit card payments
Dear Martin Lewis, I have a current account and credit card account with Santander and remembering an MSE programme some time ago I decided to check my credit card account. Note: Each month I pay off my credit card in full 2 or 3 days before the minimum direct Debit payment due date. In the case I am quoting it says…
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Aren't balance transfers automatic?
I was accepted for a Santander balance transfer card 18 days ago now. I have the new card et al. On the application I request to transfer the balance from my Virgin credit card, gave all the card details, etc. Yet 18 days later and they've still not done that. Do I still wait or do I force it?
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Paying 0% credit card off with money I have just inherited
Good morning all i have inherited a small amount of money. I have £3k on a credit card that I have just recently done a balance transfer on. I have until 2024 to pay off 0%. My question is do I just keep paying and make sure balance is clear by the end of the 0% or do I pay off now. ? Many thanks Denise
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Virgin Credit Card Statement Access via mobile app for expired card
Had a letter from Virgin Credit cards in March this year (2022) saying 'Your virgin money credit card expires soon and we've noticed that you haven't used it for a while. If you'd like to keep your card, get in touch to tell us you want to keep it or simply use it before it expires.'. The card expired in June 2022 and…
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tips and tricks to meet 3k in 3 month spend
ive just got the american express card advertised on here for the bonus points, but i need some tips on how the hell to spend 3k in 3 months. ive set paypal to this card now so anything from paypal should make its way onto the card, all fuel and supermarket items will be spent on it. is there anything else i can buy / sell…
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Credit card with instant notifications
I have a Monzo and Starling account and what I love most is the instant notification on my phone when I spend. I wanted a credit card with the same functionality. I got a Barclaycard because their website said you got notifications - but it’s only for monthly statements. Is there a credit card that offers instant…
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M&S credit card random pending payment
I’ve got an M&S credit card. I use it very rarely and it’s interest free for purchases, with about a year left on this promotional rate. Last week I paid the balance off, just under £2k. This was because I just wanted to clear it and simplify my debts. Tonight randomly at 11pm, I had a notification of payment appear as…
