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Taking a CC abroad to Florida this summer...
I chosen the Barclay CC zero fees when used abroad card, but just wondered, as I only have 2k initial limit, if I "pay off" 2k onto the CC balance before leaving, I will be able to spend £4k once in the USA without fees? First time abroad, so the above might seem very obvious. I am also thinking £500 into dollars, cash for…
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Section 75 Refund Who Owns Goods
I recently purchased a used car from a dealer which on day 2 of owning broke down and has cost me £2,000 to repair. I’m looking at going down the section 75 route as purchased using my credit card. My question is - if successful and I get a refund of the purchase price and/or repair costs who actually owns the car legally,…
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Joint credit card
Does anyone do a joint credit card, or atleast one where an additional card holder can have full access to it in their own banking app so they can manage it. I've got a Lloyds credit card with my partner as additional card holder which we use for shopping / joint spending, I am the only one who can see what has been spent…
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Asda credit card
Has anyone applied for an asda credit card and its been sent for a decision but you never heard back ? I did the eligibility checker first which suggested their 2nd card (higher apr) which was then sent for a decision. The email and website both state you hear back within 7 days. Day 7 I rang and spoke to someone who could…
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Barclaycard rewards - free Apple TV
Has anyone actually managed to get the five month's free Apple TV+ for new customers to work?? (See MSE weekly email from Jan 2023). The e-mail from Barclaycard with click-through links tells me "I'm not a customer" which is odd since I really am a customer with fully set up online account and app.
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Solicitor Letters for UAE Debts
Hello I am new to this forum and need a help from you. I have received a letter from the UK solicitor J&P.It is regarding credit card debts from Dubai. I left Dubai in 2014 but trying to repay the amount 2 more years from 2016.However, it was impossible to repay after leaving GCC countries.J&P gave me the 30 days to reply.…
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Airline refund to Barclaycard with zero balance on the card
Dear All, Unfortunately we have had to cancel our flights but the good news is that we are entitled to a full refund which the airline has agreed to do. The airline has agreed to refund the full amount, which is considerable as the amount is in the £1000s to the credit card I used to purchase the original tickets with…
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Corporate credit card
I recently left a company where I had a corporate credit in my name. I usually used the card throughout the month and then put in expenses that were paid into my personal account. I would then pay off the monthly balance of the corporate card using the funds from my personal account (if they had been paid to me). The…
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Credit Card Text Declined Payment to Mobile Phone
Hi all, would a credit card company send a text to your mobile phone about a declined payment? I received one today and on looking up the caller id on internet, 50% said it was a scam and the other 50 said it was genuine. The thing is - there was a fraudulent transaction on my credit card account for the specified amount…
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Sainsbury's credit card: Do you still earn "ordinary" Nectar pts?
Just wondering.... if I shop at Sainsbury's and pay with a Sainsbury's credit card, do I earn "double" Nectar points - 1 point per £2 spend on my Nectar account (as I would if I were paying with any other card or even cash) and then another 1 point per £2 spend on the Sainsbury's credit card?And is there any downside to…
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Using a Clarity Card Abroad
Hi, I am not sure if this is the correct forum, however, I am going to Italy in a few weeks time and I plan to use my Halifax Clarity card. Is it better when using this card abroad to pay in local currency or to pay in GBP? Also, is the Clarity card the best card to use when aborad? Thanks in advance.
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I never had a credit card.
I think I want one now. If I apply via a banking app the answer
is no. The thing is I have no salary income. What I do have though is savings
interest both monthly and annual which I would call income, currently over 15k
and very likely to improve greatly over the coming months if not years ahead.
Is their a work around to…
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Barclaycard Avios Plus
Seen that this card has a welcome offer of 50,000 avois points if I apply for card before 30 May. Does anybody know whether I can convert the Avios points then to Nectar points and how easy it is to do this?
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Balance transfer not going through and now on both credit cards
I can't find a similar post, so I was wondering if anyone with a similar experience or
knowledge on the subject could advise? After
moving house and buying a few things on my existing TSB credit card, I took out
an HSBC credit card and afterwards applied to transfer the balance from my TSB card
which had £1500 on it. This…
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Zilch - New(ish?) - anyone any experience?
I noticed today when browsing 'cashback and rewards' accounts that Zilch are offering a somewhat unique product. I wouldn't be interested in their BNPL (pay in 4) option as that doesn't generate anything other than a £2.50 transaction fee if not spending with one of their preferred retail partners, however, I am interested…
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Cashback card for legal and estate agent fees?
Hi - I'm moving house, have accepted an offer on our flat and we have had an offer accepted on a new home. I'm going to have about £10,000 outlay on estate agent and solicitor fees, which I can afford but I wondered if it was worth applying for a cashback credit card to pay these? Or would there be an issue with using a…
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High Amex spend on Charge Or Credit
All, I spend circa £150k a month between my two Amex cards (mostly stock & travel for my business). My two cards are both personal cards. Does anyone know if I use the points / Avios to purchase flights etc for my personal use whether this would attract any kind of tax? I can get this checked with the accountant but wanted…
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JaJa credit card unexplained closure of account
I discovered on checking my emails late last night a message from JaJa cheerfully informing me that they were closing my credit card... very sorry they said but it will become inactive on a date two months from now when I expected to be using it while away. We were with the post office credit card for years. I rang to ask…
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Chargeback Advice
Hello All, In May 2022 I sucessfully submitted a chargeback via Tesco Credit Card (Mastercard) against a car hire company in Italy. The company wrongly billed me for damage I didn't create and I had photographic / email proof of this and the fact informed them. The claim was successful and the money refunded. I heard…
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Marbles (NewDay) have reduced my limit
I've had a Marbles credit card since 2020 and I've had a few limit increases since then to £4,600. I've just received an email today saying they have reduced my limit to £1,800 sighting my credit usage over the last 6 months. Will this have a negative impact on my credit files? I still have 10 credit cards with a combined…