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Does this credit card process leave us open to fraud
I recently booked flights for myself and wife with qantas. I used my Santander credit card for the full amount of both tickets.I have had confirmation from qantas that both tickets are confirmed. Two days later I was informed that I was close to my credit limit and could no longer use my card. This did not seem right so I…
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Halifax wrongly allocating payments to 0% BTs instead of purchases?
Hi there, I have several BTs sitting on my Halifax credit card, and recently used my CC to make purchases from 11th until 30th November. The statement period os from 8th Nov until 7th December. I paid off the full amount of purchases, my minimum payment and an extra £150. However on my statement Halifax have charged me…
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Marks & Spencer's Credit Card - Purchase refunded - points query
I recently made a big purchase on my M&S Credit Card but had to get a refund. I think the points have already been converted to vouchers and the refund was done in the the following quarter.. Do the points reset or carry over to the next quarter? Because if they don't carry over, I'm thinking of not spending on M&S card…
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Calculating Credit Card Interest
I am convinced that I have been overcharged by my credit
card provider. I calculated the interest
I believed I should pay and have provided the credit card provider with my
calculation. The company has refused to
provide details of the way it calculates interest because it is “too
complicated”. I used the…
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Bank and section 75
Purchased sofa £4096. Extra insurance purchased £250. All on credit card. Dispute with sofology over state of sofa. They have agreed to provide credit note for £4096. My question is this. If I use the credit note and get a replacement. Will that purchase still be covered under section 75 because of the £250 spent on the…
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Disputed transaction with Tesco
Hi everyone, hoping someone can help. I was checking my Tesco credit card statement recently and saw an item marked MSFT MSBILL.INFO for £132.48 - I contacted Microsoft after checking my Microsoft account and they said it wasn't them as they don't have any recurring products for that amount. I have a 365 account which is…
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Can I pay a bill at my bank using my credit card?
Hi all, hoping somebody can help. I'm buying a car & want to pay using part bank transfer & part credit card but the dealer doesn't accept cards. He's told me I can go to my bank and get them to pay to his bank using my card. Firstly, does anybody know if this is correct and secondly would this be considered a cash advance…
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Hesitations about managing credit cards via a phone app
This discussion was created from comments split from: Looking for a Credit Card that doesn't need an app!.
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(Newbie) Applied for wrong type of credit card, unsure of how to proceed
I have never had a credit card before, but I read on MSE about getting a "0% Balance Transfer" card to help reduce your debt, and I thought this was perect for me as I have a large overdraft and the bank don't want to help me in reducing it. I was pre-approved for a Fluid card, I got it in the post yesterday and now…
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Looking for a Credit Card that doesn't need an app!
I want a new credit card and I don't seem to fit into the boxes on the help pages. I'm not bothered about 0% or rewards or travel. What I am bothered about is a credit card that doesn't require a smart phone app. Ideally one that sends paper statements but I can cope with logging on to a website and seeing a statement…
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Reduced credit limit prior to account closure - why?
I have a Jaja credit card, it was originally a Post Office credit card but got shifted over when PO exited the CC market. I always had problems with it - not being recognised in self service petrol pumps etc. so I stopped using it. It has now been over a year since I last tried using it and I have recently received an…
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How to update annual income with Santander?
Hi, I've got a 0% BT card with Santander it's quite close to the limit, and the limit hasn't changed in a long time. (no missed payment or over limit) I've got the balance in a savings account, ready to be paid off when the BT ends. I did their eligibility checker and I'm pre approved for a new card, however I would…
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What Best Card for £25-30k Annual Spend (Not Amex)
All our card spending is done with an M&S card which results in around £100 of vouchers from them. Am I ‘missing a trick’ here by not having another card. I’m not interested in Avios as I am not a frequent flyer, and understand Amex has limited places to use it. I don’t mind paying an annual fee though if necessary. Thank…
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Booking.com paying for hotel at property?
Hi folks, on a hotel booking made on booking.com I've chosen pay at property overseas, will I still have to pay charges on my Amex or just the total amount it shows on the hotel booking confirmation?
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Balance transfer card for a loan
Hi I am applying for a balance transfer to a cheaper rate Howe we can’t find any that accept loan transfer only from another credit cards. Can anyone help?
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How to use credit card instead of bank transfer?
I recently got my first credit card for make the payments for my wedding so that I can benefit from credit card protections and also build up air miles for our honeymoon. However, I'm hitting a hitch at the first step as most of our vendors (photographer, videographer, hair stylist) only offer payment by bank transfer. I…
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Section 75 hotel booking
Good evening all, I was meant to be staying in Scotland tonight but didn’t make it due to the snowy conditions and getting stuck on the motorway, ultimately having to turn around and go home. We phoned the hotel at 8:30am on our way to say the snow was really bad and if we could move our dates, they said no as a lot of…
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Marks and Spencer (M&S) bank has sent replacement credit card way before expiry date of current card
My previous Marks and Spencer (M&S) credit card expiry date was July 2026 (I say was because now that I've activated or started using the new card I assume the old one will not be valid). Around mid-October this year (2022) I received a new card via courier and that one has an expiry date October 2027. The expiry date has…
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Interest Rates on the up
Just a general rant. I think on the last money show Martin mentioned something about not expecting Credit Card interest rates to go up too much as they were already so high. Should have told Sainsburys Bank about that. They have twice now increased their credit card rate so the latest is 22% to 25%. As Martin always says,…
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aaarghh Barclaycard caught me out
I must be slipping. Credit card companies never usually make anything out of me. But they finally caught me out and charged me over £50 in foreign transaction fees on my last month's spending. I've had the card for ages, specifically for spending in foreign currency as there have never been any fees.Well, I didn't receive…