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Virgin Balance Transfer Card with free £55 crate of wine
Applied and was accepted for virgin credit card via MES link before the qualifying date for free crate of wine. Sent a message to them to enquire as to when I would receive wine. They responded saying I should have received an email with a link to online form to complete. I said I didn't receive the link attached on emails…
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Transferring Bank Account
Hi, I recently transferred my main bank account to HSBC as I'm getting a mortgage from them. I had to transfer all my direct debits - the main one being for my amazon credit card. I was sent a letter by HSBC with the details of all my direct debits that would be transferred and that list included my credit card. Today I…
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Getting into a pickle with some credit card and overdraft debt - help!
Hi, First some details: £3800 on barclaycard 0% until next april, credit limit is 5k with 4.5k limit for transfers. Currently paying £100 pm which is just over the minimum payment. £2300 on my wife's hsbc CC 19.9%. £1400 on my hsbc CC 12.9% £2800 overdraft split between two accounts (wife and me). Salaries go into these…
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Paying off car HP with credit card
Hello everyone, I am a long time lurker here and had some great advice from the site over the years. I have a car HP agreement which I am looking to pay off early, possibly taking adantage of a 0% Barclaycard offer. I can afford to overpay by approx £300 a month. I have thought of a few options which I will list, and was…
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Authorisation hold question
I am currently abroad and would like to rent a car. I don't like really using credit cards but the company would like to take it to hold a certain amount. I can pay for the rental of car by cash but they still want to block an amount in case of fines etc. I have a UK cc and would like to know if they do not take the money…
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Credit card paid off
Hi! Sorry if this has already been asked, I couldn't find anything on it but feel free to point me where it's been answered if you don't want to have to answer again :p Anyway, I've finally paid almost all of my credit card off, got £14.71 to pay. Am I right in saying I should pay the rest off, cancel the direct debit (I…
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Lloyds TSB can't/won't accept Virgin Money balance transfers
Hi all, This is my first forum post... I have previously transferred balances from my Virgin card to Lloyds TSB with no problems. I tried to a transfer a balance from Virgin to LTSB tonight but the website stated the transfer wasn't successful (not declined). I phoned LTSB and after much to-ing and fro-ing was told it…
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Which is a better option? finanically and credit in future
At the moment, i got £2350 (£2800 limit) cc debt 0% ending in Dec, £900(£1250 limit) 0% ending next May. I got the money to pay off the debt now. should i ... 1)apply for BT card (1 or 2 cards), BT both debt £3250 and carry on spending on Tesco 0% until next year? 2)Pay off the debt, carry on the Tesco 0%, and apply for…
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My first credit card
Currently I spend on debit card and one of these days i'll end up getting stung with nothing like a credit card to help me out. So as a pre-emptive measure, I best get one for shopping online! I'll be paying everything off at the end of each month and I'm not sure if I want extra fancy stuff. Currently bank at barclays and…
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Virgin credit card and promotional wine
Hi When do you receive the promotional wine from virgin after you have been accepted and have received their credit card? I cannot find any mention of it sine being approved.
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Aqua Classic credit card mail spam
this stupid Aqua keeps sending me mails by post asking to sign for this stupid almost 40% interest rate haha(!!!) how dump should you be to go for that? How do I get read of them? Never applied for their credit card, has a few myself from Tesco and Barclays which is enough for me :mad:
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Vanquis Credit Card APR!?
I recently applied for a vanquis card in an attempt to improve my credit rating. I already had a capital one credit card with a £200 limit with 29%APR I've ran this fine for 12 months plus, mostly paying off in full. I applied for a better card from capital one but was declined. I wasn't surprised as they never put my…
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Request for refusal review
Hello, I applied for a Santander 123 because we have the mortage and a 123 account, by using the CC for regular groceries it would pay back an est of £192 a year. We did have debt problems a few years ago (2008) but the only thing owed now is an MBNA card with about £4600 on, there was a creation finance agreement on for…
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santander 123 credit not allowed to over pay is this right?
I had a tesco credit card and could pay as much as i liked off the account, as and when i liked, so if i was making a big purchse i would make sure i was under the limit, but my santander i cant. not sure if im doing something wrong. my husband and i use it jointly free for the first yr, so obviously use it for everything…
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santander 123 credit not allowed to over pay is this right?
I had a tesco credit card and could pay as much as i liked off over the account due to clear it , thus reducing the next months bill so if i was making a big purchse i would make sure i was under the limit, but my santander i cant. not sure if im doing something wrong. my husband and i use it jointly free for the first yr,…
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Homemaker 0% Credit Card
Hi there, I would really appreciate any advice anyone can offer. I am a stay at home mum and have existing credit card debt that I would like to shift to a 0% card. Although our household income is very healthy as I am not paid a salary I am really stuck finding a card to switch to. I have read a recent thread about the…
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Credit Card Charges
I recently requested from MBNA a copy of all the charges on my account. They have sent to me all charges that go back to 2007 which is 6 years. Can I request them to go back further?
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obtaining a refund for goods brought abroad
Can anyone help? I bought something from a shop in Egypt and I am not happy with the quality, can I try to obtain a refund for the goods from the tour operator or is this illegal as they didn't charge me in the first place? Do I have to go either to the shop or try and do a charge back through my card supplier?
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Credit cards and Italian ATMs
Whilst on holiday in Italy recently I tried to use two different credit cards in four different ATMs and on each occasion, although I was sure I had not made a mistake, the machine gave an incorrect pin message and one of the cards was blocked after three unsuccessful attempts. Luckily I had a debit card which did work. On…
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Just been approved for Fluid 22 month int free
I am delighted I have been carrying a lot of debt from a previous relationship breakdown. Always pay minimums on time but had been feeling down that I would never get any of the better deals/rates with an average credit and seemingly high amount of of cc debt. Received an email today from fluid offering 22 months interest…
