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If you'd rather apply or service your account over the phone, please visit our 'Contact us' section for more details. By continuing to browse this site or choosing to close this message, you give consent for cookies to be used. Not everyone wants the same thing from their credit card.

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Being stung at the end of a transaction with a service charge isn’t fair – businesses ought to be transparent about their pricing upfront.' Companies can also still refuse to accept card payments - but it is unlikely.

But some smaller businesses might decide to only allow card payments on purchases over a certain amount, usually £5 or £10.

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