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HSBC Visa Credit Card - 10% cashback offer (1st Oct-31st Dec 2024)
Just received an email from HSBC offering 10% cashback for 3 months on groceries, fuel and UK travel (up to £50 per month) with my Visa credit card. 5 purchases or more on the above will be required too. Keep an eye out for an email as you have to opt-in by the 30th September 2024. You probably have to be an existing…
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Section 75
Ii were to pay my annual golf fees £950 using a Credit Card and the golf course goes into liquidation after 6 months would I be able to use section 75 to claim back 50% of the monies paid as they have failed to supply the goods/services for the full year? regards worriedgolfer...
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Backup Credit Card options
Hi all, new account but a user several years back. I've had my Creation credit card account closed - seems to be a current thing. I'd had it for about 8-9 years and it was primarily for overseas spending (best card at the time) but also as a backup to my AMEX. It hasn't been heavily used past 2-3 years - maybe once or…
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Prepaid cards. Should I use them.
With all the talk since COVID-19 about using credit cards, I am thinking of a prepaid card as an alternative to using my regular credit card for daily use on low-value purchases. Since it's backed by Visa, am I right in thinking that it will be accepted in all outlets that Visa is? Does anybody use this card on a regular…
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Klarna finance with two jobs
sorry if this has already been asked but i want to take out finance on a bicycle with klarna, I have two part time jobs of 15+ hours a week, would i put down as a full time job or part time? when trying with part time i only had the option for one job and it didn't go through, never done this kind of thing before so any…
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Business reward credit cards
Does anyone know of any reward/cashback business credit card that hasn't got restricted categories of retailers? Capital On Tap card that I got a few months ago restricts payments to financial institutions as it alleges they are not happy to pay for borrowing. These payments are not borrowing but rather paying for genuine…
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Leave open or close?
Is it better for your rating to have credit cards left open? Iv currently got 3 not in use Am I better off closing them and then get one when I need one or leaving them open ?
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Balance transfer when balance includes pending
I am planning a balance transfer from a credit card (I've already got a balance transfer card). The balance shown on that card includes a pending amount. So can I make a transfer that includes that amount or should I only transfer the amount of the transactions can do. Obviously I could just wait until that item ceases to…
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Best way to clear PayPal credit debt
I have around £515 of debt on my PayPal Credit that I have been slowly chipping away at but have barely made a dent in. I am now in a position to pay it off in cash, and I am wondering if there are any implications of doing so. Will it positively or negatively affect my credit rating, which is poor at the moment—not due to…
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Credit Card Account Missing
I bank with HSBC (Midland when first opened the account) and either from the beginning or soon after I had a credit card. When I accessed my account online over the weekend just gone, I noticed that it's no longer showing in my list of accounts. The weekend was the first time that I noticed that it wasn't showing there. I…
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First credit card
I have some small debts that I'm only paying the interest on eg Currys and Argos cards. Would it be beneficial to transfer these to a 0% interest credit card over 18 months or is this not what credit cards are for?
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John Lewis gift card expired
Hi, I recently realised that a John Lewis gift card expired at the end of Jan, so approx 1.5 mths ago. I contacted their card services and they are refusing to honour the credit. Just wondering if anyone has had a similar experience and manged to get them to honour the credit. I had expected John Lewis to be more flexible…
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Merging CC limits?
Similarly to the other recent thread about increasing limits on a new card, I’ve recently taken receipt of a new Halifax card with 27 months 0% balance transfer. I’ve moved all my other CC debt onto this card, but in doing so will be around 85% of the limit of the card. I’ll have paid this off inside of the offer rate, so…
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Credit card fees?
I have a Barclaycard and want to get a more ethical card. Ideally I'd like a reward card but I'm not eligible (I have a good credit rating but low income). As I don't have debt and won't get rewards the only advantage of a credit card over a debit card is the insurance - and I hardly ever spend over £100. Is there any…
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MBNA promotional rate payments
Hi there, I'm new to the forum and I've joined to get some guidance on this specific question. I have two promotional rates on a single MBNA CC, one that finishes in May 2025 and one that finishes in June 2026. The one that expires in May has a smaller balance and a lower interest rate than the June 2026 one, so all…
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Balance transfers 0% how soon can you move balances back between 2 cards
Hello I have a balance in a card but this card is now offering 0% for 12 months before end jan. I'd like to move the current balance off to another card and then in a few days move it balc so I can utilise the 0% for the balance. The fees will be minimal meaning I can pay off my balance in the 12 months but am I allowed to…
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Mortgage
Hello! My husband and I have a 0% credit card and wanted to know if it was safe or sensible or silly to pay off a chunk of our mortgage with it as have plenty time to pay off the credit card while it's 0% interest. Thank you!
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Is Section 75 or Chargeback applicable?
I paid £829.25 to Booking.com for a return flight by cc. The flights were in 2 legs each way. For the inward journey one of the legs was cancelled by the airline and the other leg was therefore no use to me so I cancelled it, asked Booking.com for refunds for the 2 cancelled flights and booked new flights with Expedia. A…
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capital on tap debt
Hi a bit of a long story. my business is under HMRC inspection which has been taking so long without any response from HMRC, and recently found out that the appointed inspector was no longer taking my case, that was the reason why there was no answer for so long. HMRC has been holding a large sum for the whole period of…
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Barclaycard statements and Adobe - problems?
I've posted this here rather than techie, as I was just wondering if anyone else is having problems opening their Barclaycard statements from the website in that it's not recognising that I've got Adobe on my laptop. It was OK last month IIRC. It says that you need Adobe 5.0, but the version i've got is "Acrobat reader…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
