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Barclaycard still dominant in credit card market

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Up against many competitors, Barclaycard has retained the largest share of the credit card market, according to respondents of our 2019 Banking and Credit Card Survey. 17% of those polled said that Barclaycard is the card they use most, polling almost twice as many as its nearest rival.

Now in its 15th year, the survey is the longest running and most comprehensive of its type, enabling us to help our customers to be better informed when making a choice about a new credit card or if thinking of changing banks.

In terms of customer service, Nationwide takes top slot with 95.7% of its respondents ranking the service they get from their card as either excellent or very good. Over 6% of our survey respondents told us that they .....

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Is Apple Card really different?

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It’s news that will have slipped under the radar for lots of consumers, but for some, the imminent arrival of Apple Card in the UK is a big deal.

First off – a quick explanation of what it is. Rather than just a branded credit card, like the one on offer from rival tech giant, Amazon, the Apple Card really does promise something different.

First off, it’s undeniably Apple in terms of design. Made from laser-etched titanium, it doesn’t have the usual number embossed on the front, or a CVV number (the few digits you sometimes get asked for when paying for something over the phone). Instead, it uses technology within your iPhone to verify each purchase individually – which is claimed to be much more secure. After all, a credit c .....

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Gig goers must get resold ticket warning says CMA

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The secondary tickets market is currently under investigation by the Competition and Markets Authority (CMA) to ensure compliance with the law.

Though it isn’t illegal to re-sell tickets, the industry have an obligation to be clear with their customers and to ensure they know what they are getting for their cash. For example the buyer should know where their allocated seat is, sitting in the back row in a venue that holds 10s of thousands of gig goers is a little different to being within spitting distance of your favourite act and there is no doubt a difference in what you would pay for each experience.

Crucially the buyer also needs to know if there is a restriction in the use of resold tickets for their particular event, i .....

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What protection does a credit card provide

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When making purchases such as holidays or appliances many people aren’t aware of the protection provided by credit card suppliers. Although it is always worth double checking the extent of your protection with your lenders, credit cards are covered by Section 75 of the Consumer Credit Act. This means that you and your lender both have shared liability should a company not deliver suitable goods as promised or if the company ceases trading.

In these circumstances, you are able to request that the credit card provider refunds you.

Typically issues encountered by consumers are when the goods supplied are broken or if the seller provides goods that aren’t suitable.

One restriction in place is that you will have needed to .....

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Getting a Loan - Things You Need to Know

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If you have never borrowed before, you may be unfamiliar with how to go about applying for a loan.

Before applying, you need to be sure about what you need the loan for, as this will this determine the type of loan you need. Whether you get the loan will depend on its purpose, the amount you wish to borrow in relation to the cost of the underlying purchase and how much you can afford to repay, which in turn will affect the term of the loan. A successful application will also depend on what’s in your credit report and in particular if you have any history of late payments.

There are two types of loan - unsecured and secured.

Unsecured loans

Unsecured loans are aimed at people who want to borrow a relatively sm .....

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