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Refund onto card
Any idea how long it takes for a refund onto a debit card to be "seen/accesible" Ta
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Prepaid credit card advice needed for pre-teens
I was thinking of getting a prepaid credit card for Christmas for my daughter and nephew. They're both age 11. Is it possible to get one for children of this age, would you recommend them and is there an alternative other than giving cash or gift vouchers? I'd like them to be able to spend the money anywhere so vouchers…
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Credit scoring?
Hi there, just hoping someone can give me some advise. I have one credit card paid off at 15.9%. My credit score is quite low as I always pay off in full. How do I increase the score? Do I just keep on spending monthly as I am and hoping for the best? I've applied for other cards and been rejected, therefore am worried…
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Balance Transfer with Egg...
Hi, I wonder if anyone can help me..Have noticed that a few posts on MSE have stated they are on a fixed rate for the life of the balance with Egg. I have a large balance (roughly £7000) which I would like to BT to them but have contacted them and been told there are no offers available. How have others many to get these…
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credit cards
Why have credit card companies allowed to take extortionate fees for going over the limit?
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Late payment - postal strike sting!
Has anyone else been stung for late payment due to "postal strike". We always pay our credit card off in full as soon as the statement arrives, 3 weeks before payment due date. Last week we received our statement from GM Card to find a £12.00 late payment penalty - one day late, on contacting GM Card and complaining they…
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Credit Card Quotas?
I'm about to do a bit of haggling with my CC companies. I have some money available to pay them off following a property sale but want to see if the threat of closing the account down might instigate a bit of 0% interest or similar. Does anyone know if there is a better chance of a favourable response depending on the time…
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Wanted Credit Card Balance Transfer But Not Working?
I want to transfer a balance of £3000 to a no interest for life of the loan type card but every card application I come to has to have details of work and how much one earns. I do have some money and I claim sick pay right now. How can I get around this? I have my credit card with my bank. I don't really want to part with…
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Best Company for Higher Credits
Hi there, I need a credit limit of about £14K as my Capital One 0% runs out at the beginning of Jan and i need to transfer the balance. I am willing to pay A BTFee but was wondering what Virgin credit limits are like or Nat West as i note that those two companies are offering 13/15 months at 0% currently. All help is…
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When does CC payee actually get money?
I am asking this purely out of curiosity after having read a thread on Argos Direct. There was a complaint on that thread that Argos Direct charge credit cards at the time the order is placed, regardless of whether the goods ordered are in stock. The complainant wondered how much interest Argos get by charging CCs, holding…
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M&S &More Card - PPI
Hi there Feel a right fool as I have just been going through my credit card statement with M&S &More and see that they are charging me PPI. Now this is something that I would never knowingly have signed up to and checking on the back of the statement it says that "after a 30 day cooling off period where you can cancel…
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available credit a stumbling block?
if I have available credit on one card which I'm not using will it have an impact on applying for a new card & the limit I'll get? card 1 - I have a limit of £7500 with a bal of £6000 which is coming to the end of its free period in Feb so I need to bal t/f card 2 - I took this out for a purchases deal & the limit is £6500…
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Refused credit card but thought I had good credit!
I applied for a new Halifax (where I have a current account) credit card the other day and this morning got a letter saying I'd been refused on the basis of "..the information that I provided indicates that the level of credit I am currently committed to, in relation to my stated income, is higher than their present…
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Complete lack of any information on Experian!?!
My husband was recently refused credit and was eventually only able to get the hideous 30% APR Barclaycard with a £260 limit :rolleyes2 . This is despite having no defaults/CCJ/other credit problems, is on the electoral roll, decent salary, mortgage, another credit card etc. We had a look at his credit files via…
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Balance transfers affecting credit rating?
Hi, Scuse my first noobie post? I would like to go for a cheap balance transfer as I have about 10k on a card! The only thing is I want to get a new mortgage soon and I vaguely remember something about applying for these offers affects your credit rating, is this correct? All the Best, Mark
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Sainsbury's best card for spending/HSBC
Unless I have had too much to drink the link to the above from Martin's credit card article takes you to a card that only has 12 months 0% on purchases from Sainsbury's elsewhere it is only 3 months! Also I could have sworn that Sainsbury's credit cards would get you £20 cashback from Quidco - this was last Thursday, now…
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Check your end of offer date
Hi everyone, hope all is well with you fellow money savers. I just checked my credit card (marks and spencer) and found the date on the low rate expired a few days ago, so I am in time to do some serious tarting without getting hit too hard. Of a total balance of £3800, of which £1200 is at 3.9% apr for life of balance,…
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moving and new credit cards help?
I am moving in the next month or so. I need to transfer my balance to an %free. SHould I wait until I've moved or do it quick before i move? Worried about amount of time lived in new flat damaging my chances of getting new card. Any ideas?
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0% Balance transfer from current account?
Hi everyone, I was wondering if there is a cc out there that will allow me to transfer a balance from my current account rather than another credit/store card. Many thanks
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Royal Bank of Scotland Gold Card Rip-off!! Beware!!!
I recently applied for a RBS Gold Credit Card which gives 0% on Balance transfers for 12 months, which i duly took advantage of. I also set up a Direct Debit payment, which I was informed that i would have to make the first payment manually as the DD would not be set up in time to make the next payment due. Unfortunately…
