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Section 75
I have paid a deposit on my CC for protection if I cleared the balance would I be still be able to claim under section 75 if the need arises with the balance paid. Thank you for your input
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Section 75 - no use for secondary card holders?
My wife has a secondary card but no CC of her own. If she buys plane tickets, these will not be covered by section 75 as the secondary cardholder card is used.If I use the main card to buy tickets for her, these still will not be covered by section 75 as I am not buying them for myself.I am NOT flying with her.Am I correct…
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Question balance transfer Credit card, 0 % spending balance (how is purchase interest calcuated)
Hi All Just got a quick question about balance transfer Credit cards, with a spending 0 % spending balance, for a certain period. I transferred a bigger balance over recently, from another card, the card had 27 months interest free on balance transfers & 6 months, 0% on purchases to June 2025. Anyway, over Christmas I used…
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Negotiating with a lending paying off a credit card
Hi there Im in a position where I actually have some free cash to pay off a persistent credit card debt. How open are lenders likely to be if you offer them to pay say 50% of the outstanding debt (for example, I have £8k on one credit card and was thinking of offering £4k to pay if off) and agree to close the card and…
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Someone wants to know my address...
A legit but not very trusted website wants my card details and (more worryingly) my address for an access to their service. The service is free, they say they just debit £1 and then refund it, to filter out spammers. In reality, they are likely to be the real spammers here, I am sure I will find tons of waste mail on my…
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Big balance transfer
Hi there, I have a 0% deal running out and I need to do a 0% balance transfer to another card for an amount of 8300. I don't mind splitting, but ideally I'd like it to move to one card. I have an excellent credit rating and I can get pre-approval for a few cards. Trouble is, they won't give me a figure for maximum transfer…
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Minimum Payment Markers
I recently requested a copy of my statutory credit report from Experian and noticed that a credit card account has minimum payment markers for 4 out of the past 12 months, despite me always clearing the balance in full before the payment due date (and, in fact, due to a low limit often cycling much more than the previous…
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Avios to Nectar conversion changing
Just had email. Will change in March. Barclaycard avios card will now only pay 0.5% cashback equivalent!
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Credit Card Payment Allocation
I have a Credit Card with a 0% balance transfer balance and i use it for a few smaller purchases. I understood any payments i made would go against the most expensive debt, i.e anything i have purchased which is on a normal interest charge. When i look back over the last year i can see various deductions from the 0%…
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Credit card application
I want to apply for a travel credit card for 0% transaction fees but am getting turned down on the soft application. My credit score is very high and I have an Amex card I’ve used for years. My personal earnings are £10k and I’ve put that I don’t pay rent or have any dependants. I live with my partner (and kids). He is the…
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Long haul flight air miles - rewards - credit card
We are planning a long haul flight around the world Westwards mainly using Star Alliance. I have been looking at using a credit card to gain air miles / rewards and considering Amex. What has put me off is the annual fees that are required. We intend to use this for the flight and hotels, pay it all off immediately but…
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Do I still need my Halifax Clarity card for foreign transactions?
I have a Halifax Clarity card solely for foreign transactions. But I was browsing the Natwest site today (I bank with them), and saw that the Natwest Credit Card has 0% foreign transaction fees. I think I have that already (I have a very old Natwest Mastercard), so I might as well cancel the Halifax one to save me managing…
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Cancelling non refundable hotel where I have yet to pay
I’m going away to Portugal in a few months with some mates and booked a nonrefundable hotel room earlier this week. I noticed that although they took credit card details (Revolut) no money had been taken out. Shortly after this I received an email from a third-party payment service (reduniq) requesting I made payment using…
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Travel company double charge
The travel company Destination2 charged my credit card twice for the same holiday.. an overcharge of £3300. They have credited my credit card account but too late for this month’s statements. Therefore I have had to move deposit account funds in order to avoid 20% interest payments. I only discovered this error when we had…
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Amazon/Barclays credit card
Hi, Amazon offers a £30 reward if you apply for a Barclay credit card.I've never felt the need of a credit card as my debit cards are satisfying.£30 is not a lot and other offers might be better, but the main thing now is to understand how credit cards work and if this one is good enough.The Amazon page…
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Fraudulent transaction
So today I had 2 attempts to purchase pizza in Canada one after another for £35 and £39 both were declined I had this happen previously in transaction in New York about 9 months ago card was cancelled and new one sent out. My question I've never used this card or used it online so how would they have got the card details?
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Anyone else had their Creation credit card cancelled without explanation?
For the past 8-10 years I've been the happy user of a Creation credit card which I took out because, at the time, it offered foreign currency transactions without the usual 2.75-3% exchange fee (and thank you again Martin & team for alerting me to it way back then). I've always paid the card off in full every month, and to…
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Virgin Credit Card no longer used and Cash back
I got rid of a Virgin Credit card a couple of years ago. They are still sending me emails saying I have some money they owe me from cash back. The account was only managed online and I am struggling to find any contact information so that I can get this money. Has anyone had this issue and found a solution?
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Credit card use in relation to getting a mortgage.
Hello, My partner and I are looking to buy a house next year and are confused about a certain aspect of credit card use. Currently one of us uses our credit card for all purchases on a daily basis and pays it off in full at the end of the month. We are wondering whether daily use of a credit card for all purchases will…
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Ripple energy (credit card act section 75)
Hi, Ripple Energy has gone into administration and I'm part of the cooperative shareholding, can I get my money back from my credit card provider? Thank you.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
