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First Direct credit card, MC or Visa?
Hi all. Just been approved by First Direct for their gold CC, 12 months 0% on purchases, and I enquired about any charges overseas, and the agent on the phone said the only charges were currency conversion at the "mastercard rate" but I was under the impression their CC were Visa while their debit cards are MC, just threw…
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Did I make the right choice?
When I applied for my Credit Card, I explained to the lady at the bank that I needed it mostly for buying online, and booking hotels, both here and abroad. She asked if a Debit Card wouldn't be a better choice, to which I answered there was better protection (Section 75 etc.) with a Credit Card. Am I right, or have I…
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Tymit now charges monthly fees
So I received a email from Tymit they would be charging monthly fees except I close my account I will be charged £6.99 each month from April 2024 this so funny to me especially for a card that they stripped off its benefits am sad that I will have to close my account I liked the card to be frank
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Help
Hi i was off work for several months last year with depression and have ended up in a biit of a mess. I am paying as much as i can on my cards each month but with the interest rates means im not really getting anywhere. I have just recived a compensation payment of 4k and obviously its all going onto my cards. My issue is…
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Can I use a Barclaycard money transfer to pay of Credit Card
I've got a £2000 balance on my Barclaycard which is 0% for another month. I have a 0% money transfer offer on the same card for 20 months, could I use that to pay of my credit card balance?
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Paying for a holiday in a foreign currency on AMEX
I am in the process of booking accomodation (a chalet, in France) for a skiing trip I'm organising. The owner of the chalet wants me to pay for the chalet in Euros over the payment link they have sent me. I would like to use my AMEX, just so I can get section 75 protection. Will AMEX charge me a currency conversion fee for…
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Successful S75 claim - what happens to goods?
In dispute with a over faulty furniture - have made a successful S75 claim through my credit card company and been sent an agreement to sign. My question is, what happens to the furniture (the agreement is silent on this point)? I've already told the shop that they can collect it over a month ago and no attempt has been…
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Return DD charges
I am with Right Fuel Company as it saves me a bit on my fuel costs due to them being high with my job (I am NHS Care @ Home) my DD debit recently returned as I had forgotten to transfer money into the account it gets paid from, I have received a £60 +vat charge (£73)! I called as it appears such a high charge, they said…
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Balance Transfer Oddity
So I recently performed a balance transfer and on the card I transferred the balance from I've received a charge of "Standard Balance Transfer Interest" and it's more than double what the balance transfer fee was on the card I moved the balance to. Is that just a thing they can do or do I need to fight this?
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American Express Platinum Cashback Credit Card
I have this credit card and have reached £100 cashback (I’ve had this for 2 months now). I have until the end of March with the 5% cashback offer before it drops to 0.5%, it says that there is a maximum of £100 that I can earn. Is that per month or per year? It isn’t clear on the website.
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Money transfer card and spending
Hi I'm looking to use the money transfer facility on my barclaycard as it's the best rate for the fee of the cards I have but the problem is we are going on holiday. We use this card to pay for excursions and to withdraw cash if we need it. We pay it off in full when we come back after the statement date so we aren't…
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Nat West
Hi. I'm looking some information regarding Nat West Credit Card. I have recently applied and signed the pre contract agreement. I have pass all ID checks. I have received an email to tell me they my credit card will be ready soon and they will contact me when it is posted. That info came on Monday and U have heard nothing…
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Credit card protection for service
So its a strange one and posting on behalf of family as i'm unsure how this works compared to buying a product. So family purchased a cemetery plot on 19th Jul 2022 (paid £2400), and appears they used a credit card (they need to confirm that when they return from holiday). They have only come to realise it this week the…
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Section 75/CRA claims with Amex
I bought a robot vacuum cleaner from Amazon in 2021. After a couple of years of service, it's suddenly stopped navigating around the house (possibly related to a firmware update, but I can't easily prove that) - so became completely useless, six weeks outside of the warranty. I spoke to the manufacturer, who couldn't offer…
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American Express or not
HI Newbie to the site. I am going on holiday to America this May and was wondering if anybody could give me any advice on American Express credit cards. As is there any benefits in getting a Amex credit card (if so which one) to use while on holiday or do I just get a Chase card or other credit card instead. Thanks in…
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When Doing a Balance Transfer, Is the Fee Due Straight Away or Added to the Balance?
Hi, I've recently moved four credit card balances to TSB with total fees around the £200 mark. They've added the fees to the first statement produced after the transfers went through. Is this normal practice? I thought the fees went onto the balance so you could pay the debt off over time. Thanks.
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S B
Hi all Out of the blue I got a letter from Lowell saying they have a debt in my name they say they had a CCJ but it was over 14 years old and the number on the CCJ don't exist I done a search and not a thing on the court regester any ideas please.
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How to build credit file for 18 year old
Hi everyone My daughter turned 18 today and we have been discussing finances and budgeting for some months now. She has just over 3k in a child trust fund and we are transferring this directly to a LISA for her to start saving towards a home. We have changed her bank account to an 'adult' one, but we are keen to start…
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Credit card transaction annotating?
Hi all, Is anyone aware of a credit card that allows you to put notes against transactions (preferably in the card app rather then full website)? TIA.
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NatWest are stopping their Buy Now Pay Later card , any alternatives?
I was invited by NatWest to take this out last year. Nice small limit of £750, great for smaller purchases that I could spread interest free over 4 months. Last week I got a letter saying they are closing BNPL for everyone. Do other banks offer something similar? It was great for me as I only needed one app for all my…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
