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Did anyone get a sensible credit limit offer on the MBNA 0% card?
I've just tried applying for one of these and was offered a miserly £500 credit limit. Other cards I've had in the past have had limits in the low tens of thousands, and it's a fraction of my monthly income. Is the offer actually serious and have others received a sensible limit? I've got an 'excellent' score on Credit…
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Credit Balance Refund
Hi, a credit card I have is now positive after a refund. I’ve heard I should ask the bank for a ‘Credit Balance Refund’. Is this a good idea and it won’t have any adverse affect on anything please? It’s with NatWest. Thank you
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Balance Transfer To Credit Card
I am very sorry to ask this because I am not sure if this is possible or not so please bear with me because I am new to credit cards, etc :) I have got a Nationwide Member Credit Card, or a a MBNA Credit Card.. However my wife has just admitted something to me that I am totally shocked about.. She has got an Ocean Credit…
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New Card 0% Duration Help Please
Hi, I have been pre-approved for a new MBNA Balance Transfer CC using their eligibility checker 0% for 14 months. Using MSE Credit Card Eligibility checker, i have a 95% chance of approval, but it states below. 21 months at 0% if you’re pre-approved – or you could get 12 months at 0% if accepted but not pre-approved So my…
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NatWest application online message
I went through MSE eligibility checker and got 100 per cent pre approved NatWest offer but when I go through to NatWest and fill in the first page name phone etc it immediately says: Sorry we can’t go ahead we can’t continue with your application online There is no follow up email or anything, is this a rejection or some…
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Using Credit Card to Improve Credit Score
Afternoon, I've been using my credit card to try and improve my credit score.For example, I have been spending about £75 a month on it for fuel and then paying it off in full when the statement comes in (comes in on the 15th of the month). My friend said that I shouldn't be waiting for the statement to come in and that i…
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In use VM offer New offer.
Good to see VM offers continue, Latest 0% from 31st May'24-April 25. Balance t/fer/Money t/fer 4% Fee. Not much time to decide if I'm going to Add to existing 0% balance with latest offer. 1.8k limit is useful, not amazing, only Kitchen Dimplex to purchase. Considering using Savings to clear VM, though could mean Higher…
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Once I pay off 0% transfer card, could I open another In the future?
Hi! I'm 24 and made the mistake of building up some debt on an Amex card; I had it for two years with no issues but from around this time last year both my mental health and spending spiralled until around October. Overall this amounted to about £3000, but due to the massive interest on the card, this number has been…
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Barclaycard Forward. Change card type?
Hi all. Have a Barclaycard Forward card with £1200 limit, no balance, they've already reduced the APR, and hasn't been used in about a yr. Was taken as a credit builder card and it's done it's job. I was interested in changing it to another card to get fee free spending overseas, but the option to change the card isn't…
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Temporarily moving outside UK, still able to apply for UK credit card?
Hi, I am moving overseas for about 2 years but will still have a UK address and won’t be a resident in the country I’m moving to (USA). I currently have an interest free credit card (until 2026) with about £5K that I am still paying off. Worst case, in 2026, would I still be able to apply for a new balance transfer credit…
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What are your personalised credit card offers?
Since some banks decided to not advertise their best offers anymore,we are required to run their eligibility check every single time we want to know what are they offering us. They obviously don't want us to know what they are offering to other customers, but they can't stop us from sharing it with each other on this…
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Best first credit card for 2nd year student
Hi all, I'm wondering what are the best options for me as a 2nd year student looking to open a credit card and build up a credit history/score? Any help and advice is greatly appreciated! Many thanks,
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What sort of existing customer balance transfer offers does Santander offer?
My existing BT promotional rate with Santander is coming to an end soon, so I was wondering whether I should plan to close the card immediately (I plan to pay it off) or leave it open in the hope of getting an existing customer BT offer. Can anyone give any examples of what existing customer BT offers they've had from…
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Pay Credit Card using Debit Card
Hi, Do the following allow you to pay the credit card balance off using a debit card from another provider please (such as Halifax, for the rewards criteria)? Nationwide Member Credit Card TSB Student Credit Card Thank you
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Holiday Nightmare - Advice Section 75
Hi All, Sorry for the long post as a group of 12 we had arranged and booked a holiday of a lifetime to South Africa. departing on 18th April 2024 To book accommodation and Safaris we used a local Cape Town independent CAV (Custom African Vacations), owned by a trusted advisor we had used for a previous trip. CAV was…
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Barclaycard changing their mind about credit limit increase
I had an email from Barclaycard a couple of months ago saying they were going to increase my credit limit - not something I had requested or for which I have any immediate need, but no problem. But have just received a further email saying: After running some final checks, including a review with the Credit Reference…
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Travel options
Hi all So I'm due to go to Zante soon and I currently have a barclaycard which j have used in the past for travel. However I have a money transfer deal on it at the moment. I haven't had my first statement for that yet but it will be soon. So I have some money available on my limit and I would normally use this card for…
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Strange issue with credit card verification texts...
This is a strange situation that I've never encountered before and cannot find any useful info on tinternet. I'm hoping someone in MSE land may know what's happened, as it's worrying me slightly. Apologies if this is the wrong place to ask this. We've recently had a new credit card - I am the main cardholder, my husband is…
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Transfer Time Period
Thinking of getting a capital one balance transfer card, I’ve been offered 0% on balance transfers for 6 months, does the 0% deal start as soon as you get the card or when you make the transfer, do you have a specific time period to start the transfer once you receive the card?.
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Minimum payment not clearing
Hello, I opened a Santander edge up credit card recently for day to day spending as there is 2% cash back. I got the first statement on 15th March, paid it that day and got my cash back. I checked today and the payment shows, my current balance is less but there is still a minimum payment showing by 10Th April. If I click…