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Overlimit loss of 0% on purchases (tesco cc)
So I've read that if my tesco credit card went over it's limit (it did by £1 due to a refund being slow) that it is possible that you lose the 0% offer? According to my statement I've been given a £12 charge (fair enough) which has been paid off with the minimum payment. It estimates interest for next month on the…
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Transferring cash into current account
Hi, I need to get my hands on about £12K for a few days, but I don't want to show up on a credit check (I want to pay for my stamp duty on a house purchase, as money from family will take a few weeks to filter through, and I don't want the mortgage company's credit check on the day of completion to find this out) - will…
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avios refund loophole?
Hi - the other day I purchased a coffee maker on my amex card, but returned it for a refund in-store. I realised afterwards that they didn't ask for a particular card, and it was refunded to a different card. I am now wondering if that means I actually keep the Avios I earned? And if that's the case, what is stopping…
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scam
we keep getting letters through our door with dodgey foreign names, possibly African names about applying for insurance and loans etc... No-one at our address has an African name. Anyone know of a scam trying to get loans and insurance on someone elses property? and who to report it too
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Credit card balances after death
Hi all, am after a bit of advice on credit cards after death. If a person dies and have credit cards in their name solely how does this go against the surviving member - ie my dad. My mum had 2 cards in her name only with approx. £7k on each. Trying to sort out the finances today and there is no life insurance or any other…
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Who should I apply for a credit card from?
Hello all, I am wondering where I should attempt to apply for a credit card from. I am a BOS customer, and have been for the 4 years I have lived in Scotland. I was a student up until May 2012, but have been working full time since. BOS have recently changed me onto a graduate account, but they have told me I do not show…
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Rejected applications because of inability to pay?
Is it just me? I'm looking to shift my balance to a 0% credit card as it's my aim to clear it down in a couple of years (have £6k on it). I've applied to both Lloyds and Barclaycard, the latter saying it won't give me a card as the level of credit I have suggests I would struggle to make payments. But... I am paying (just…
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Can I get another Cap1 card?
Hi! I already have a classic visa cap1 card and am due a limit increase at the end of the month. I was thinking of applying for the classic extra or the progress card. Am I allowed to have more than one card? Thanks
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Should I be concerned with the number of credit cards I start/cancel?
I like taking advantage of credit card offers (interest free for big purchases, or some freebies or whatever). So should I worry about getting multiple cards for different purposes, and cancelling them within the same year once I've got what I wanted? Assume that I never miss any payments. Do you get a lower credit rating…
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Question on credit cards
Hi all, Just wondering if i was to pay my credit card bill off with my barclays freedom card would that show as a purchase and mean i wouldnt pay interest. I say this as my purchases are interest free and balance transfers arent. Is it ok to do this,and would this count for freedom points as it is a purchase. Thanks
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Need to obtain proof of purchase of item bought with Debit Card
Not quite sure where to post this but will start here. Last autumn I bought a runners' training aid for for my son who lives in New York, as a birthday present. (The item is made in the UK and sold internationally. Amazon in the USA was temporarily out of stock, so he asked me to buy him one here and send it.) I sent it to…
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Mobile Carrier - In App Purchases
Hi, My name is Teddy. This morning I woke up to find that my mobile phone had been disconnected. I phoned EE to find out why, Apparently my little Brother of 10 (i'm 24) has been making in app purchases on my Google play account through in app purchases. This has come to a grand total of £1695.63. As I am sure you can tell…
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Must be doing something right somewhere
I have been a long time lurker on this forum and picked up lots of good advice. In the past I was a bit reckless with my finances and currently have 7 defaults dating back 3 years. In 2011, I managed to obtain a mobile phone contract and I have never missed a payment. I resurrected an old 'settled' catalogue account with…
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pre-apply eligibility checker
Good morning, I have a poor credit rating dating from when I was a student 3 years ago with missed mobile phone bills etc, I have circa 6-7 with a default on my account. I recently competed your eligibility checker for the Aqua card (which I believe is the easiest to get with my poor scores) however it told me I have only…
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re-lloyds
Hi Guys, I opened 3 accounts with lloyds vantage 2 months ago. They are all ok, topped up, and running, BUT, I still cannot login online. I,ve phoned repeatedly, only to be told, it,s a technical problem they know about, and are trying to sort it.Not helpful at all. Is anyone else having this problem? 2 months to sort a…
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Balance transfer from Triton card services to a new credit card?
Hello, I have currently got a sum of money to pay off with Triton card services. It was transferred to Triton last week from RBS as I'd fallen behind with my payments. My partner has offered to take out a credit card at 0%, transfer this debt to his name and I can pay him back. Does anyone know if you can transfer a Triton…
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Faulty Goods Question
Hi all, I bought a PC for my son around November 1st which became faulty within 6 weeks. The retailers policy is to only replace if it becomes faulty or I change my mind within 3 weeks and after that it's subject too repair under warranty only. The PC was returned to the retailer on December 9th and I'm called every few…
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CC Fraud
Hello all. To cut a long story short I have noticed a couple of charges on my credit card for £30 each which I did not recognise and after my investigation it is apparent that somebody has made purchases of playstation points for fifa 14. I found this out by looking at my online account and then logged in to my playstation…
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Any tips/loopholes (all legal) to get cash for free from a Credit Card?
Just out of curiosity, is there any way to get cash from a CC without paying extortionate C/W fees!
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Capital One still £200 Limit after 7 months of fully repaying
Hi, Ive had a Capital One credit card for 7 months now and have paid it off in full every month except this month where ive left a little on to pay during the month. I am going away in 2 months and require a hire car. The credit card wont cover the deposit needed on a credit card. Does anyone know how to increase my limit.…
