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Amex reneging on joining bonus
Hello all. I applied for British Airways Premium Plus credit card in late October and was approved about a week or so later. The day I applied, the new card member joining bonus offered was 30000 avios for £3k spend in the first 3 months. I have the screenshot from their website, taken the same day that shows this offer.…
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Low credit score - shall I get a credit card whilst i am in my overdraft and paying off debt?
Hi all, my credit score is in the 'poor' zone at the moment, and I am aiming to pay off my debts. I am currently in my overdraft and should be out of this by the end of the month, but was wondering if it is worth getting a credit card to use to build up my credit score, whilst I am still paying my debts off and whilst I am…
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Chargeback advice - Mastercard / Monzo
Ok, so here's a thing. In May 2024, I signed a contract with a sash window renovation company and paid £5397 using my Monzo debit card (Mastercard logo) in my home. I asked to cancel 5 days after making payment and signing their contract. They had built in a 'I waiver my rights to a 14 day cancellation period' within the…
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Unknowing Supscription purchase
Hi, I accidentally purchased a product and unknowingly signed up
for a subscription that charged £94 to my PayPal account. At the time, I had no
money in my PayPal balance and insufficient funds in my bank account to cover
the charge and as soon as I was made aware of the error I terminated the
subscription and initiated a…
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Credit Cards
Hi, which credit card would you choose: the Adsa credit card or the Barclaycard Platinum? platinum?
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Best way to close long forgotten credit card account?
Hi, I'm looking to move house so used the MSE credit report tool. It flagged up a credit card I thought I had closed long ago. It is with RBS and has had the grand total of £5 arrears for over a decade. It is showing as having nearly £5k of available credit. I have absolutely no details of the card (number, etc) and…
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Is Barclaycard Worst For Fraud!
For the second time this year i found transactions i did not recognise on my barclaycard credit card account, Both were for food at mexican restaurants in Manchester totalling 300 pound no pin number used. This card is my secondary card which i only use on rare occasions and it was in the house the whole time and nobody…
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Nationwide Credit Card Application
I am a Nationwide member. I tried to apply for their credit card. The eligible checker said I will be declined for a card, but at the same time, the offer said my credit limit will be £75k at 24.9% if accepted. This is confusing. Should I go ahead with the full application? Any chance it will be accepted even if the…
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How long to wait before starting Charge Back / Section 75 ??
I searched for a holiday ocean front King room via Google , the usual booking company's come up with a few a lot cheaper ( non refundable ). I booked it ,the email front page confirmed "Ocean front King room " but when you open the attached Hotel Voucher it states "standard King room".I emailed the company and to my…
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Is it safe to pay Ali Express by CC?
Just wanting to take advantage of a "new customer" offer but the value is too low to use PayPal. Are they to be trusted with Credit Cards and CCV number?
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Wife got signed up to scam website - how best to resolve with card company?
So eventually this had to happen to my household - my wife got scammed while in a rush She was trying to pay for Ringgo parking, but managed to sign up to two separate "gift card subscriptions" in one go instead. What is the best way to resolve this? Get her to call credit card company (Barclaycard), explain what happened…
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HSBC credit card application "dropped"
Hello all, I was wondering if anyone has heard of a credit card application being "dropped"? I recently applied for an HSBC 0% purchase credit card following MSE's pre-approved eligibility checker which scored me at 100%. When I applied, I wasn't approved immediately but received a text a couple of days later to verify my…
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Seconds Card - Yes or No?
I took out a Credit Card about 6 months ago. I've never had a balance of more than about 10% of my credit limit. What would be the pros and cons of a second card? What would the extra credit limit do to my credit rating?
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0% credit card minimum monthly payments - calculated ?
How do banks calculate the minimum payments on 0% balance transfer cards over the length (mths) of their offer. Excel Formula example ?
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Changes to Amex Express Rewards points
Had a letter today advising me of a change to the points rewards on my Amex Rewards Credit Card. As far as I can tell, the only downside is a new minimum redemption threshold of 5,000 points. I was wondering whether anyone else had received this notification and if so, are there any other downsides to the revised scheme…
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Section 75 Claim
Advice please: I paid on my Lloyds credit card for mechanical works to be completed on my husbands vehicle (new engine). I contacted Lloyds to make a Section 75 Claim due to the work
carried out was without reasonable care and skill which has now led to a dispute with the garage. The vehicle has been left unroadworthy!…
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Tesco 0% BT Card - transfer reversed..?!
Hope someone can offer some info..? I have a newly opened Tesco 0% BT card that I have submitted 2x transfers to, 1x from B'card and 1x from Halifax both are for less than £2k and the limit on the card is £10k. Both transfers appeared to have gone through as normal, with the additional transfer fee on the 2nd Dec, I have…
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Easier way to get long term balance transfer card?
I tried the MSE eligbility card checker. It seems that I can no easy get a balance transfer card with enough of long period to pay off credit cards. My salary has not really increased in a 2 years. Pitiful £2K. I used to be a contractor Outside IR35 (IT Software Consultant), but gave up contracting in 2021/2022. Closed my…
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Booking.com and S75
I was ripped off renting an apartment in Italy through Booking.com as it was nothing like as good as advertised. I'm told i can't use Chargeback as we stayed in the apartment and therefore 'accepted the contract'. (we arrived at 8 p.m and had nowhere else to go). I'm also told we can't use S75 as there can only be three…
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Question from newbie regarding cards.
Hello, I am new to cards having only held a few for a couple of months and hopefully someone will know the answer to my question. My Virgin card took out a DD payment of £50 yesterday which was the DD I set up at the beginning just to cover the minimum payment. Last month, I paid of my balance in full and so had a zero…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
