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Activating New Day credit card
An elderly relative has been sent a new credit card after their old card was blocked (possibly they'd lost it, not sure). The card has come with instructions to "activate" it by logging into the online account. My relative does not use online banking and does not have a smartphone so is therefore struggling to work out how…
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Interest free CC and obtaining a 20 to 30k credit limit at application
Hi We currently have a mortgage circa 220k around 50%LTV. This includes a Further advance for home improvements currently undergoing. We want to raise some further capital for Windows kitchen etc. Can see barclaycard and Marks and sparks have 19 or upto 21 months Int free. So the big question how can we achieve a high…
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MBNA when do they actually take the Direct Deibit, please?
Does MBNA take the direct debit on the day the statement says the payment is due, or do they take it a few days earlier please?I don't have an MBNA card, and so I couldn't get through to them to ask. Thank you
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Credit card refuses to refund because of doing what was asked
OK so the title is a bit spurious so let me explain and see if anyone can guide me I ordered some products from a Chinese company which promptly stopped working 10 days later. I contacted the company asking for a full refund as their website states, try risk free for 30 days. Should be easy enough to get this sorted out,…
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Capital One declining card after Guaranteeing you will be accepted
Used your search engine to find a 0% card to transfer a balance on a previous card. Capital one came out best and quoted I was guaranteed to be accepted. My experian score is in the excellent range several days later letter received say application unsuccessful, however I am still receiving emails from capital one asking…
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Too old for Card ? Want to put car balance on it
Hi All I'm 71 years old, and haven't really used C Cards for a long time - but do have a near perfect Credit rating & History. My wife's car is coming to the end of a PCP contract, with £7000 to pay in order to keep it - so I thought about getting a 0% interest card and putting this balance on it, and paying off over a…
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What is the best 0% purchase credit card to use in the USA
Good morning all, Hope you are enjoying your weekend. We are travelling to the USA in a couple of months and would like to know if there is a credit card we can take that has a 0% purchase period and that has no foreign transaction fees please? Any advice would be helpful. Thanks
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Get rid of cards for better offers?
I'm wondering what to do, I have 7 credit cards. 3 virgin 1 aqua 1 vanquis 1 NatWest 1 Barclays I have a balance on NatWest, Barclays and one of the virgin ones, 2 of them 0% for next 2 years, virgin for another year. I'm was going to get rid of vanquis, and 2 virgin cards as I don't need them as standard interest is high…
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HSBC "10% Cashback"
I have an HSBC credit card which is on 0% for purchases until some time in 2025. They recently advertised (via in-app message) an offer of 10% cashback on all purchases abroad until the end of July (2024) (max £50 cashback), whilst noting there is a 2.99% non-sterling transaction fee. I'm thinking it's still a good offer…
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Incorrect Income but want to put it right
Hi all, I stupidly as I wasn’t paying attention made my salary 1.5% higher than what I actually earn on a balance transfer credit card, I only noticed when I had the epiphany when I had to prove my income on another application (I put the right income in), I do not want to come across as a fraudulent applicant, what would…
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Applying for a new CC before mortgage application early next year
Hi all, Need some advice if possible. Currently have zero debt, and saving around 2600 per month with my wife so not in too bad shape. Have had a work bonus which is paying for us to go to mauritus in april next year for my 40th. Currently i have a hsbc CC with 0% purchases with 6 months left but have been offered a virgin…
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Natwest Credit limit
Hi, I have contacted Natwest to move credit limit between two cards. However, I have been told they will only combine credit linit if I hold 30k in savings. This can be in any UK bank. Has anyone else came across that? Strange requirement. Thanks
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Repeat Eligibility Checks
A couple of months ago I did the Santander Edge credit card eligibility check (the 2% cashback is tempting) and the result said "Good News, you're less than likely to be accepted" which made me laugh. I did not go ahead with an application, but I'm tempted to try the eligibility checker again now just to see if the result…
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Non-contactless
Are there any credit cards that aren’t contactless?
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Large purchase
Hi im having a new kitchen and thought about paying by credit card to get section 75 protection ( it’s an independent kitchen retailer). are there any credit cards that give cash back on a one off purchase of about £20k ? is this a good way to pay ? I don’t need the credit element as I want to pay off in full unless it’s…
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Late payment and credit score
Hello, I am looking for some advice. I made a purchase on a credit card (Santander) that I hadn't used in a while (the card had zero balance). As this was not an interest free card I opened a new 0% balance transfer credit card with another lender and transferred the balance (£ 1,472.23). I didn't check the Santander…
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Claim for refund of holiday deposit via Tesco Credit Card or Personal Travel Insurance (Staysure)
Looking to lean on your previous experiences for guidance. We have cancelled our cruise holiday booked with departure date of 4th Jan 2025. It was booked 25th April 2024. Cruise was for almost 4 weeks to Antarctica, Chile, Argentina, Falklands. Reason for cancelling is family reasons. Our daughter who is Autistic and in…
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Barclaycard and Google Pay
Does anyone know why Barclaycard UK doesn't work with Google Pay, and whether there are any plans for them to enable that service, since Barclays have closed their own contactless payment service? It is a bit odd, coming from a mainstream lender. Barclays UK debit cards do work with Google Pay. Barclaycard UK credit cards…
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Hotel disaster section 75
Hello please help. I’m in the Maldives on a local island- it is not expensive like the resorts. I paid for my hotel and transfers in one payment via credit card (Halifax) and when I arrived the hotel manager told me he was fully booked and told me to go to another island. He told me that the whale sharks were closer to…
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0% purchase or loan
Looking at buying a car weighing up finance option. Will put a deposit down but looking at how to cover £6k - £7k balance. Do 0% purchase cards allow that amount or would a loan be better?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
