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Card-linked cashback offer aggregator?
Is there a website or app which allows users to see which credit cards offer card-linked cashback for specific companies at any given time? (I'm not actually sure if the offers I see are the same for all credit card holders or if they are customer dependent). I have multiple credit cards and it's tedious to check them all…
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MBNA Switch from Mastercard to Visa
I have an email from Lloyds telling me my MBNA card will be switched from Mastercard to Visa in the coming months. One of my reasons for having the MBNA card was the fact it is Mastercard, where all my other cards are visa. Having all eggs in one basket can be a risk, even if small. Also this used to be an affinity card,…
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Zilch help needed
Has anyone got any experience of how to navigate Zilch when you fall behind on payments please? I fell behind on my installments and then tried to pay off some purchases via the app but it would not let me pay for the individual purchases to reduce the amount owed, instead it kept trying to take the full balance. I'm a…
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Capital One credit card application
Hi, just after some advice. I applied for a Capital One balance transfer card through an Experian pre-approved offer which said my £7,000 transfer was guaranteed. Capital One then asked for Open Banking income verification through consents.online. I connected my genuine joint Starling account (my husband authenticated it…
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Best Mastercard Credit Card for overseas use
I've had the Halifax Clarity credit card for years and use purely for overseas spending. Since moving from Mastercard to Visa recently, I'd now like to get a 2nd card for overseas use. I do have a Chase Debit Card as back up but would prefer a Credit Card too. Any recommendations?
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Nationwide CC
Anyone have personal experience of how long it takes after being approved? (I've read what's on their website and email).
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Chase bank - Credit card section 75
Does anyone have any experience with Chase bank in processing a Section 75 claim? It's for a used car purchase of just over £5000. It's been 5 weeks and the communication has been terrible… meanwhile im sat with a car that is not drivable and exhausted every other option. Can anyone advise how long their section 75 took…
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Balance Transfer Offers Disappeared
Hi all. I have several credit cards, and use balance transfers to avoid paying interest. I always pay payments on time, and have never missed one. Between all the cards, my credit limit is just short of £60,000 (I'm not using this full amount, and actually had almost zero debt a couple of years ago.) I consistently had…
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M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO)
Hi M&S sent be a threating to close my account in 14 days if I don't pay an overdue amount of "0.00" yes ZERO. It doesn't fill me with confidence with HSBC takeover! I have tried calling them but hard to get through and the app is horrible, AI garbage responses. Shall I leave it or risk an account closure and ruined credit…
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Grace period and repaying credit cards after interest was triggered
I'd like to confirm my understanding with some of you who are more knowladgeable. Example: statement shows 1000 GBP total, out of which 50 GBP is interest from not paying previous statement by due date 2 days after statement is produced i make another purchase of 100 GBP (balance now 1100) 2 days later (4 days after…
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PayPal Credit will mark my credit report if I query a transaction?
Hi, I ordered something online from a company with a co.uk website and all seemed fine initially. I paid on PayPal Credit. Subsequently I received an email which suggested the item was shipping from China. Alarms range and on further investigation I have discovered many threads of various sites about this company providing…
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Expedia pending charges not removed after 30 days - help!
I'm at my wits end. I made 2 attempts to book a trip with Expedia (BA flights and a hotel package), using my M&S Mastercard. Both times, Expedia's website said failed attempt, try again. I tried for the 3rd time with Amex, all went through, holiday booked. I have since been and come back from the holiday. Meanwhile, the…
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Retailer has still not refunded me : Section 75 claim?
Hi all, (Apols this is a long one! TLDR at the end) I bought a mattress from a well known company about four years ago. Mattress developed a dip in the middle so I contacted them (as I had a 10 year guarantee) and they agreed it was a defect and offered me a refund. So far so good Since that time I have had to : (a) Prove…
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Closing an old card vs not
I currently have 2 credit cards (both 0%): Chase - NIL balance - £7k limit Tesco - £2k balance - £6k limit Should I close the Chase card as I'm not currently using it, and don't intend to in the future? I'm just thinking of chances of acceptance for a new one, when the Tesco card ends, as my credit utilisation will go up…
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Best Airline Credit Card for a newbie.
Hi all, I am looking to go and visit family over in Australia towards the end of next year. Obviously the price of flights are quite high. I am looking into the idea of applying for an Airline Credit card, use the points earnt on daily spending to help contribute towards the cost of the flights. It is my wife and daughter…
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Paying a bill on 0% Card.
Am due to pay a large holiday balance fairly soon, does paying (Part of) a bill like this count as a “spend” on a 0% spend card and therefore allow me the interest free period ? many thanks.
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Amex refund of interest charges
Hello, good morning all First time poster! Would really value some input as my mind is currently blown. This is my debt situation:- Amex £18k Halifax £8k overdrafts £5k Amex wrote to me yesterday to say that they made a mistake with their raising of my credit card limit historically and the basis of their decisions to…
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Section 75 with many parties involved
Hi, My son's school recently went into administration. We had paid for a school trip that is now not going ahead. Paid via Evolve which then pays the school. I just recevied a refund from Amex cc through section 75 (though dispute still open). Evolve contacted me today to ask me to retract the claim. I'm not sure what to…
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PROBLEM WITH VIRGIN 0% BALANCE TRANSFER CARD
Hi, I applied for a Virgin 0% balance transfer credit card with a 0% fee for the transfer itself. To be clear , I understand and have seen Virgin offer cards with various fees attached for the amount of the transfer ranging from 0% to 3%. I applied through the MSE website and it clearly stated on two different pages the…
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Mastercard app mystery £0 transactions
hello , Any idea what the heck is this ? Two £0 transactions on the same day , from TKMaxx? I have never used this card there. And only appears on the Mastercard app (hsbc rewards) . I contacted my bank and there is nothing on my statement
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
