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Santander 123 Credit Card - Close after 1 year & re-apply to avoid £24 fee??
Good evening Just got myself a Santander 123 Credit Card which looks like it will be a nice little earner for me. The first year's fee has been refunded to me already, so it's all good so far. I'm wondering what to do in 11 months time though. I'm pretty sure I will want to keep the card for a 2nd year, but I'd like to…
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Credit card payment after balance transfer
Hi, quick question I recieved my bill dated 8th jan for £1916 Did a balance transfer for 1900 on to new card So payment recieved to card for £1900 14th jan Spent £200 since, Do I just pay the £16 this timeor do I have to clear the full balance to make sure I don't get charged interest. I thought I read that balance…
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Sort code not recognised!
I have recently applied for a credit building credit card. However when taking my bank details, I have been informed that they cannot process my application any further, as they do not recognise my branch sort code. After checking with my bank (Lloyds), they have told me that I do have a valid sort code, but it is not…
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Can someone help please
Hi I am totally new to this, so apologies if I get anything wrong - Debts plus seasonal affective Disorder are not a good combo but worry has led to me finally looking at my debts as I'm getting really worried. I have £1200 each outstanding with both barclays and Virgin that were on 0% money Transfers but these are both…
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Amex: unathorised transaction from my debit account!!!!!
Noticed earlier this week Amex have debited an unauthorised payment of £30 from debit account, the account which I normally pay my credit card off fully every month. I called them and they claim it could be an insurance I signed up which I haven't, been with Amex 10months with 3 cards and always paid on time and min bill…
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Credit card advice
Hi everyone, I hope you are able to help: I currently have about £4900 on one credit card (the Tesco Card) and £450 on another card (the Natwest Card.) The interest free period on the Tesco card is ending in April 2014, and so I am preparing to do a balance transfer. I hope to pay off my Tesco card in full at the end of…
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**Pregnant, in debt & confused**
Hi Apologies for the long !!! post its just so you get a bit of a better idea of my situation. Not sure if this was better off in the mortgages section or credit cards.. I have recently changed jobs within my company and have had a vast increase to my wage, I am a permanent member of staff so no issues with contracts/…
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'Ghost' Transaction on Credit Card
Hello everyone, i would be interested to hear if anyone has any experience with the following situation. I have just checked my MBNA Visa card on-line, and there is a substantial entry in 'pending transactions' (£309.99). I have not bought anything on the card recently and certainly not for that amount. On speaking to MBNA…
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Co-op credit card old cash back rates
Hi I have had a Co-op member’s credit card for year and have enjoyed getting my cash back from them. However I looked at my cash back this week and it looked wrong. When I took the card out I was certain that the rate was 2.5%, but my calculations showed 0.5%. So I looked on their web site and I stated it was 1p for every…
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Amex have messed up big time my Upgrade from Gold to Platinum
This is going to be more of a rant than anything else... 1) It took them 10 days to process the upgrade. I understand that they say it can take up to 10 days, but I was fairly disappointed that there was no way they could expedite it, considering it was an upgrade to an expensive, Platinum card. 2) I had applied for a…
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SGP Cheltenham
If anyone sees a transaction from 'SGP Cheltenham' on their card statement, it is Stagecoach! It took me ages to work it out. I couldn't find SGP on Google and Barclaycard could't help me either. Companies shouldn't be allowed to use a different name for taking payments. If they use a payment gateway then an appropriate…
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Catalouges vs Credit card.
I don't really want either but right now I need to buy a few bits specifically clothing from more than one catalogue, do you think it would make more sense to use a credit card to buy the items rather than go through 3 different catalouges?
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BHS Reward Vouchers
Hi all. I've been sent my reward vouchers from BHS and everytime I go into Dorothy Perkins to use them, they tell me I have to use my credit card to redeem my vouchers. I've recently cut up my card :) but still have vouchers to use. Previous to me cutting up my card u was told by bhs staff that I didnt have to use my cc at…
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Gold vanquis card
Have had my vanquis card for a long time and it has no balance on it. I have had a new card sent through with an increased credit limit of £2250. Im not going to run anything up on it, had it purely for credit building and it looks like its done its job however my question is this at the top it says your monthly purchase…
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Problem with FairFX ATM Withdrawal Abroad - Money Not Dispensed but Still Charged!
Hi, Recently returned from Honduras. Whilst on the island of Utila I attempted to make a cash withdrawal over the counter of a bank (the ATM was broken at the time). I tried withdrawing about £30 in Honduran currency but the transaction was declined. Later that day, when the ATM was fixed, I attempted to make a withdrawal…
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Car finance with low credit score?
Hi, I'm new to this forum so please excuse me if I have put this in the incorrect section. I'm just after a bit of advice really, hope somebody can help me. Long story, but in short I have a very low credit score (358 according to Equifax) - from a defaulted payment on an outsanding overdraft on a closed bank account in…
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Traveling to Australia
My son who is 24 is planning to travel round Australia for 12 weeks in a couple of months time. At the moment he does not have a credit card and has never applied for one. He has a current account with nat west out of which he pays his pension ( self employed)' mobile phone and car insurance monthly. What would you advise…
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Tesc Card - 0% Introductory Rate 18 Months
Hi, Wondering if anyone can help. Looking to take out one of these cards, but just a question on the Introductory offer. It is very appealing, with the free 18 months it gives us plenty of time to pay off what we envisage using it for. Is the introductory offer a case of the very first time we use it that one purchase is…
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Balance transfer, when no balance
Card A: £1000 owed Card B: (new 0% BT card). If I ask my new card provider (card B) to balance transfer from card A, do they just do this by paying card A off? If so, could I actually tell Card B that my balance on card A is 10k? If so, would Card B transfer 10k to card A at 0%, leaving card A 9k in credit? Could I then…
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Clearing that overdraft
Hi, I have an overdraft (£2000) that I want to get rid off as I am charged between £1-£2 a day for it. Now I have a credit card that I have not used but have the money available on it to transfer to my bank to clear the overdraft. Saving me £30-£60 a month. Now I know the money transfer will incur a 20% APR, however I also…
