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re-amex platinum
Hi Guys, Anyone noticed thier monthly online statements showing a debit of £20 or other even though you have done no transactions, or any pending ? I qeeried this with amex last week, said, ignore it, mistake, even though, it was on the prior months statement. I ignore nothing. Thought maybe it was/is the £20 fine for none…
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Scam Warning
I want to warn everyone about a scam that happened to us last night. Please read through. The phone rang just before midnight last night, I imagine this is important as it is late you are tired, off your guard and more likely to panic. A man asked to speak to my husband (by name) and when I asked who was calling he said he…
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Credit limit on balance transfer card?
Hi, I'm thinking of applying for a balance transfer credit card as two-thirds of my minimum payment (all I can afford atm) goes on interest! :mad: Whenever I've gotten new cards in the past, I've been limited to £200-ish to begin with, and then the limit slowly increases. Is this the same with balance transfers? I don't…
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Which card to use where - comparison tool?
Hi There, Just wondered if there's a tool anywhere online that calculates the best card(s) for you to use in each shop to get the best return. For instance, I currently use a nectar cc for Sainsburys shopping and fuel, and a tesco cc for tesco and fuel and most other stuff (spend clubcard points on deals). It's already…
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which credit card to pay first
hi i could do with some advice about the best way to pay off my credit cards. i have 3 with balances as follows £6200 natwest £2880 santndar £2300 capital one the sandantar card is currently on 12months interest free on transfer balance. I have £550per month available to pay towards these, which is best way to go, advice…
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USed Car Deposit paid by CC
Hi I put a deposit on a car £500, non-returnable option to buy. My circumstances have changed and while I do not wish for it back require to be transfered to another cheaper car than i can afford. I am now being told that the deposit is Non-Transferable. Is this a new express term that voids the agreement or is this…
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Credit Card Direct Debit Payments
I have a question regarding direct debits that are set up for minimum payments against credit cards. If additional payments are made to the credit card account, which providers will not take the direct debit and which will continue to take it? I believe barclaycard will not take the direct debit Can anyone advise on the…
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Credit card Statement ?
Hello everyone Just abit of advice to a Noob with a credit card for the first time I have the Vanquis Card and my statements are the 8th of each month, So when does the balance need to be paid off by? I get paid 21st of each month see so last month was the first time i had it, spent a few quid, just paid the balance off on…
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Credit Report / Score Mess - Not sure why?
Hi all, Just after a bit of advice/help from someone who knows a bit about credit reports and scoring... On the 15th November, I signed up to reactivate my CreditExpert account; however, the address details for me had me listed at a previous address, so I updated this info. I also filled out a form to remove a financial…
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Balance transfer/credit rating advice.
Hi, can I have a little bit of advice here. I have two credit cards, one with £1500 on and one with £2500 on. I have come into some money and want to pay off the £1500 and get a balance transfer to transfer the £2500 one off. Is it better for my credit rating, if I want to get a balance transfer card, to leave the £1500…
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Credit Rating
Hi All, Not sure if this is the right place for this post but seemed the most suitable. I am currently rebuilding my credit after getting into bad debt and coming put of an IVA. I have 1 year left before my IVA drops off my report and there is nothing else on my report that is bad. However what I am looking to do now is to…
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Credit card situation - slightly complex? (or not) - any ideas?
Hi, the situation is this: 1. I have: - Barclaycard for every day purchases, paid off each month - M&S card - 0% for 15 months, which built up to £8k, and is now coming to end of term in Jan. So that is to be closed. 2. I would like: New Card (1) - to transfer the £8k balance to a long term 0% (and take the hit of the 2.5%…
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What card should i apply ?
I have Barclay Initial £2000, Hsbc £500 and capital one £500 which been using from 2 years and would love to apply one good card with a decent limits. Need advice what card should i apply. I would preffer to close these cards on having a decent limit on one card. Calling all exepert who had intial cards to built up their…
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A little help improving my credit rating
Okay, so I've done plenty of reading but am still confused about exactly what my best plan is for improving my credit score. Here is a full diagram of my missed payments since I first obtained credit. Its pretty bad... i48.tinypic.com/1zq3b0j.jpg First account is a student debit card, with 1000 pound overdraft. It is…
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What is it with banks and lottery sites?
I thought I'd have another go with the Health Lottery this weekend as I've not played for months and maybe I'll get lucky. They don't accept CCs, so I tried to purchase £5 of credit with my FD Debit card - Declined. So I tried my Barclays card - Declined, and then they wouldn't let me attempt another payment without…
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Mbna & fos
MBNA posted a default notice without issuing a default notice - they acknowledge this and the FOS agree , but FOS are refusing to remove default because I cant prove I could have paid the outstanding debt had a notice been correctly served. Any advice or views would be most appreciated.
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MBNA credit card ppi refund refused
I have received a letter from MBNA stating I ticked the box to opt in, and that they are not upholding my complaint. It looks like a very precise tick too. (from one corner to the other and kept perfectly inside the box) I kind of understood the PPI thing but I am sure I did not opt in. I have received a letter from the…
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Late Payment Fee
Hi everyone, I'm hoping someone can help me. I've just been going through my credit card statements for this year and I've noticed that I have been charged a £12.00 late payment fee back in July. I know I should be checking my statements more carefully and have noticed this at the time but, my problem is, I did make a…
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Can't get balance transfer!
Hi, After doing the MSE budget planner I have found out that we regularly spend more than we earn and are in big debt :( . My husband has a full time job and I stay at home looking after our 2 year old, 8 month old and dog. One of the credit cards is in my name and the current ballance is 4805.14. About half of that is a…
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need some credit card advice
Hi all, I have just taken 2 0% balance transfer cards out recently to pay off some negative equity for a house sale. Just rang one of the bank to transfer some money into my bank account and they will only transfer money to a credit card. Why is this? Can i ask them for a cheque instead? Did'nt think to ask until now, i…
