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Amex Platinum Card - how long do they take to arrive
As the subject suggests, I was approved for the Amex Platinum Cashback card on Monday (yesterday) having applied at the weekend. Just wondered how long it should take to arrive? Coincidentally my washing machine is on its way out, so that will be the first purchase I make.... how exciting lol. Thanks
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Over Credit Limit Charge - Credit scoring
Hi all, I repay my Barclaycard in full every month. However, the credit limit is low and in December I exceeded it (yes, Christmas!) I didn't notice until I logged in online. I immediately repaid it, but still incurred a £12 "Over Credit Limit Charge". I have been with them for many years and always repaid in full every…
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0% balance transfer question!
Just wanting some feedback from you all for my partner, who currently has a Capital One Classic card, which has been held for around 5 months. He'd be looking to get a 0% card to transfer the balance (£500! - Long story)... however do you think this would be possible? He's looking at the MBNA 0% 29 Month deal, however he's…
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0% expiry looming- advice please?
Hi all, my names Dazza and I'm hoping to learn some thing or two about shuffles and applications I currently have a Barclaycard which the 0%(purchase transfer) which finishes march 2014 iv shifted £1844 off it to a virgin 26 months card (2.7k limit), leaving currently £253 on Barclays(5k limit), not sure what to do next…
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Name Change & Balance Transfers
Hi, My surname has recently changed (married) and I'm gradually changing paperwork. Where is it really important for me to change this for my credit search? (I intend to apply for a balance transfer card soon). Do house deeds etc come up? I've changed my council tax bill (and therefore electrol roll), my bank account (and…
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Snowball Calculator 0% conundrum
I'm taking my first steps into ridding my credit card debt and have been playing around with a Snowball Calculator. Debt is as follows Natwest Mastercard £2767 Barclaycard £4678 HSBC Mastercard £2286 Tesco £1425 At the moment I'm paying interest on all the cards except Tesco which is 0% for another 6 months. What I'm…
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Heeeeelp! This is sooo confusing.. Credit Card transfer
I hope someone can help... I am paying a builder's interest free loan (which is the deposit element of the flat purchased) The builder gets x% of the flat value when I sell. I have saved £4k of the £16k but have realised that the value of the flat is going up... which means the builder will be massively quids in and I'll…
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Can I do this and what are the risks?
I have got a Barclarycard with several balance transfers on it at various stages. They have offered me another balance transfer again this month. I have got a second card with not much on it. Can I transfer the balance of the Barclaycard onto it then transfer it back to get the deal? Will Barclaycard lock onto this and…
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Can you ask banks to remove late payment from Barclaycard account?
Hi all, I've just noticed on my credit report that a I have a "red" late payment mark from 2012! agh.. I had infact payed off my credit card and didn't realise there was a remaining £13 on the account (which was probably interest that was applied after the "full payment" was made). I was fairly sure the the remaining…
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refund stroller - refund under supply of goods and s.75??
Hello, I am new to the forum and would like some advice, I will try to keep it as concise as possible. 26/10/13 purcharsed stroller at BB show 15/11/13 - stroller delivered 19/11/13 - contact retailer refaulty harness pads - arrange for new harness pads to be sent 2/12/13 contact manufacturer re stoller creaking,…
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American Express forex exchange rates?
Hi Thinking of cancelling my Amex Green card and applying for the Lloyds Avios Credit Card (amex + mastercard) which is fee free for overseas purchases. However does anyone know where i can find Amex's wholesale exchange rates, similar to Mastercard or Visa? I already have a Halifax Clarity card but this is useless when…
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Natwest credit card charges
Is this correct - my credit card balance in December was £11,557 my required payment due was paid by DD I also paid in other payments totalling over £8,500 so I could use the card for larger purchases After I had paid each deposit I made a purchase which should of left me with a balance of less than £12,000 to be paid in…
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Cashback Card?
Hi looking into a cashback credit card just wondering what my options are for my circumstances? I have HSBC credit card that I got with my account which i rarely use. I still live at home and unable to drive so i have no weekly spending habits like a big shop or buying petrol. Was looking at the Tesco card with 0% on…
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Halifax logic
Took out a card May last year with 16 months 0%... Had a credit limit of 4,000 which I used about 3,000 of to sort out the house I'd just bought. Paid all but £400 off. A few months back I reduced he credit limit to £1000 purely for a phsycological aspect of only having that much credit available. Tried to increase it to…
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Euro Account & Credit Card
Hi. I hope I have found the right place for posting my query? I am after some advice please regarding the possibility of opening a Euro account with, ideally, a credit card attached. I currently have a HSBC current account & a HSBC credit card (paid off monthly) & I live in the UK. Last year I worked abroad (home for about…
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Transferring a gift card or 'compensation' VISA to a UK bank account
Hello all, I was recently compensated by British Airways for a rescheduled flight back to Canada from London. They gave me this money in the form of a credit card, and I'm wondering if anyone here knows a way to transfer it to a UK bank account (I bank with santander) or paypal. I realise I am cutting a corner by posting…
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Closing Lloyds credit card
Perhaps I'm simply distrustful, but I called Lloyds to cancel my platinum card as I haven't used it for well over a year. I was told "it's been closed but will show in internet banking etc for 6 months". As far as I can see, it's active and I could e.g. transfer a balance to it. This seems slightly odd to me - does anyone…
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Barclaycard Initial :S
Hi Guys, Just wondering, I've completed the eligible checker for the Initial, and it came back that I've not 0 chance, however These is the critera: To be eligible for a Barclaycard Initial you’ll need to meet the following criteria: - Be over 18 - I'm 24 - Earn over £3,000 a year - Earn £18k - Not be unemployed - Employed…
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Increasing credit card limit
Hello! I'm thinking about shuffling around some of my credit, lowering my credit limit on one card and increasing on another. The card I would like to increase is with Santander. I called them and was told that they couldn't increase my limit over the phone, but I could write to a special credit limit office to request a…
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MSE pre-apply eligibility checker Royal bank of Scotland
I did the MSE eligibility checker for balance transfer cards I was getting an 80% chance with Capital one but I already have Capital one. Next one down the list was Royal bank of Scotland but 50% chance I kept trying every month and it remained the same. I decided the other day to just try it anyway. The deal was 24 months…
