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Low minimum payment on % balance transfer cc
Hi 0% Balance transfer deal coming to an end & looking for new one but how can I tell what % the new cards minimum monthly payment will be without contacting each card provider? Any deals out there with a low % minimum payment? TIA
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Amex Everyday cash back vs Amex Cashback (with fee) Optimum spend?
Hi, I'm struggling to work out what the minimum spend should be to make it worth paying the fee. I currently have the Amex Cashback with fee, rules being 0.75% cashback up to £10,000/yr, 1.25% cashback above, £25 fee. The other option is Amex Everyday, 0.5% cashback on first £10,000 spend, 1% above, no fee. I'm ignoring…
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Balance Transfers
Hi there, I'm hoping someone might be able to give me some advice. I have a credit card I want to do a balance transfer on and have signed up for a new credit card to do this. The amount I want to transfer is just over £2000 and mistakenly I signed up for a new credit limit on new card/bank with only £1500 credit limit.…
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Scam victim
I, very stupidly, feel victim to a scam text and gave my credit card details. I sorted it out and cancelled my card before any money was spent luckily but was told an Apple Pay had been set up on my card. I've just seen a text message sent last night with a pass code to activate Apple Pay on my card and then a text…
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Plutus card
Anyone still using this? I've supposedly got 100 PLU on it but I can't see how to get them out. My card is attached to an external wallet, but the "Sell" button is disabled. It's so incredibly complicated now that I'm not sure it's worth pursuing. Thanks.
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Section 75 Question
Quick question, if my wife buys me something on her credit card does S75 apply? Order over £100, invoice/order details in her name? @born_again
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Travel card options
So I'm going to the US in a few months and looking to get some kind of fee-free spending card to use over there. I was trying to get Barclaycard to switch me to their Rewards card which would have been ideal but, after they point-blank refused, even though I've been with them for 20+ years and put 5 figures a year through…
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Aqua Reward MasterCard exchange rate
Hello..just got my aqua MasterCard bill after a trip to Spain.. noticed rate on January 20 for a euro purchase was only 1.1796. Online sterling -euro exchange rates for that day show the exchange rate never dipped below 1.18. The same occurs on every day of that holiday.. the rate is less than lowest recorded on the online…
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Refund never came, even though the CC company says so
Hello! I ordered an item that cost $2000. The order was canceled upon my request. I waited for the money to return to my account, but that never happened. This is a couple of months ago. The strange thing is that on my account there is a deposit for that amount, let's say 3rd of Jan. 24, but the next day it's a withdraw…
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Cutting interest debt
Hi all, I am VERY new to the forum. I am wondering about the best way to handle an opportunity to possibly cut interest debt but without shooting myself in the foot based on the percentage of credit usage. I have 2 credit cards and I have been handling them well and working toward paying them off entirely. I also have a…
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Didn't realise I'd spent that much.
Just received my first annual statement. Seems I've spent over £4,000 in the last 12 months. :open_mouth: Didn't seem anything like that amount.
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hard searches impact
can i ask the view on hard searches or credit applications over a 12 month period , will an underwriter for mortgage question this - we are LTV of 51 % and have no defaults etc but have had a couple of loans with monzo and paid off in a short period of time to consolidate some previous debt - will this be a massive factor…
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Barclaycard
Firstly, I have called Barclaycard and came away more confused and with no concrete answers. I got a lot of 'I think that should be ok ... ' and 'I'll double check' then again unable to answer clearly after checking goodness knows what. I am reluctant to ring back to try another cs person as it took 40 minutes to get…
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Are credit card companies ageist/anti pensioners?
I am retired, with state and private pension, plus income from a part time job and a small company I run with my husband. Yet, with a credit score of above 980 and a very comfortable joint income... most of which is guaranteed up until death, I am not able to get a balance transfer credit card. On the application forms you…
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Using credit card to pay for services via bank transfer
We need a new boiler urgently. Obviously the cost is over £1000 so we need to use a credit card to pay. The plumber installing it for us only takes bank transfer. Can we pay bank transfer using our credit card without paying a fee and harming our credit score? If not, I'm not sure how else to pay for this :-(
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when is a cash tfr a cash tfr
Hi hello I am with tesco bank Today on my credit card statement I was charged a cash purchase fee on a gift card I bought on line from a company called dunns using my credit card as it was classed as a cash purchase, that will attract interest for three months.I also bought a gift card in Asda a few days before that did…
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Virgin Atlantic Credit Card
I'm new to the forum... Re Virgin Atlantic credit card I travel to and from UK and South Africa. I was informed by Virgin that South Africa is deemed as a high risk country and therefore I am unable to use my card in SA. They are now going to close my account and told me my debt will be paid off. I use my Virgin Card to…
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Shifting Credit Card Balance
I have a couple of credit builder credit cards. I intend to pay them off in full in around 2-3 months but for now should I do a money transfer to the card with lowest APR with any spare available balance. One is 30% other is 40%, there is a 3% money transfer fee though, is it still worth doing?
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Lloyds Banking Group Payment Notifications
At the end of last year, the Lloyds credit card platform introduced a new email notification when a payment has been processed which is turned on by default and contains no instructions about how to manage it. The first line of the notification states how much was paid to the credit card this month. While not the most…
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Purchase protection (not section 75)
Dose anyone know of a credit card provider that offers purchase protection against theft of a item that was purchased with a credit card ?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
