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PayPal and Section 75 Consumer Credit Act
Be aware! If you pay for goods or services by Credit Card via Paypal. The Credit Card Company will not honour Section 75 because they deem Paypal responsible for the payment as the payment was paid through Paypal. Paypal has only a 45 day reclaim period so if your claim is over this period you have no claim. Anyone had…
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Nationwide new 0% offer 26 months
Just out of interest, what credit limits have people been offered on this (you can do a quote with no impact on credit record) - I had a look and it provisionally came up with the full 26 month period at 0% and a £7k limit. Is the the standard max?
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credit card refusal
I applied for a Saga platinum card because I wanted to use it abroad. The request was refused on the basis of some information given on my credit rating. I contacted the company, Equifax who for a fee looked into my credit rating. It was 474 which they said was excellent and to go back to Saga and find out why I had been…
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Help! Santander Credit Card Fraud
Hi & I hope someone out there can help. I recently went travelling to Africa and whilst in South Africa (somehow) I presume my card was cloned. Money was withdrawn from and ATM in Maputo Mozambique when I was no where near there. I can prove via passport stamps, and other transactions on my credit card that I was elsewhere…
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Repaying Credit Card Early...Probably a stupid question
I have a nationwide cashback CC with a £3500 limit and I am currently -£2176. All from this month so no worries about interest. I am looking to buy a car for £3400 and would like to use my credit card to do so however this will obviously take me over my 3500 limit. I have the funds to pay the £2176 back off my credit card…
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Halifax Clarity Abroad?
I'm off to Florida at the end of April and just looking at holiday money, when my Dad tells me about the Halifax Clarity Card. Can I really use it in Florida as I would any credit card in the UK without any charges at all if I pay it off in full when I get back? It just seems a little too good to be true that there are no…
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Vanquis Repayment Option Plan - Reclaim
HI all Ive had a bit of a search but couldn't find the answer..... Has anyone successfully reclaimed repayment option plan charges from vanquis please ? Thanks Tazmac25
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Halifax - Clarity Credit Card
Hi All I used to have a Halifax Credit Card called Clarity, whereby when you spent £300 per month, you received £5 credit on the next months statement. This based on you having a reward current account. I closed this account a few years back and would like to open a new account -- Although I see a credit card called…
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More than one Barclaycard
I currently have the Barclaycard Initial (with APR of 17.9%), does anyone know if I can apply (officially) for a platinum? It's just let me on website, asked me to enter passcode and memorable info, then gave me the five day message?
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help! i paid my credit card too early, and now it's too late!
hi everyone i'll start by saying, this is completely my fault! Secondly, i'm in the middle of buying a new house and any advice would be so appreciated as i'm ridiculously stressed over this. i pay my credit cards manually every month as i hate money flying everywhere at various times of the month. on payday, i made a…
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Paying for postage on 0% purchases card
Quick question: I just paid for postage on a new credit card I have then had a thought that it might be classed as a cash advance because of some vague idea in my head that stamps were a form of currency! Based on searches it would seem that this might apply if it were a postal order, but not postage. Does anyone here know…
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What details needed to make a balance transfer?
Can anyone tell me what details of the card I am looking to clear with a BT I need to perform the BT? As the original card was used only for a BT I destroyed the actual card. Not the 0% is up and I want to transfer the balance elsewhere do I need the details from the original card to transfer it elsewhere? TIA
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0% Balance transfers on cards with purchases
Hello, I saw a post just now that says purchases are paid off before BTs. I had an offer letter through from a high street bank card. I've had the bank card for over 20 years. I transferred a balance. I continued to use the card and pay off the purchases balance each month plus a 1/10th of the BT. However I was charged…
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0% on transfer and purchases?
How does this work? We have been approved for a transfer to a Sainsburys credit card with a balance transfer of £1400. The limit of the card is £3000. The 0% is 18 months for transfers and 6 months for purchases. If, for an example, we put another £1400 of purchases on the card do they keep the two transactions separate?…
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Question from a newbie.
Morning. If I apply for a credit card, (i've never had one before), what sort of credit limit could I expect to start with? I need to get some money together, and my salary/outgoings won't give me much of a personal loan. Thanks for any constructive advice.
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They took my bloody money
As a student I was short of cash the other day. So i entered my details in wonga, sunny and paydayuk to see if i would get accepted. I got accepted but I did not complete the process/ i did not sign the contract. I know this because I did not click the button, no money was debited into my account and also i received no…
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Declined for RBS card
This isn't a typical "wah, why have I been declined" thread. My credit history isn't the best, recently it's improved but it's still a long way from being perfect. Used the eligibilty checker and there was a 50% chance of getting accepted for an RBS Platinum card - 0% on balance transfers for 15 months not to be sniffed at…
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Buying A Car via Credit Card (£19k)
Hi All I am looking to buy a new car, I could get VW finance but would like to try a CC to get as low a %APR as possible. My credit rating is good as I have just paid of a home loan. My question is there a CC that will give me the ability to put £19k on it to buy the car, the car costs £24k, I have £5k to put down, so need…
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Credit card charge
I took out a Tesco credit card to pay for a holiday. After choosing the card from the MSE site – it was an 18 month 0% interest card giving me plenty of time to pay it off. It's been less than a year and I'm seeing 5% interest on my monthly charge. I don't get it! I'd set up a Direct Debit to pay the minimum amount every…
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Section 75.
Some help and advice if you please. I purchased a 2005 renault grand scenic 1.9td back in april 2013 on cc from a garage. (i use the term loosely?) The turbo on the vehicle blew after 4 weeks. i replaced it as the garage refused, it blew again withing 5 weeks. A local garage believes the engine is possibly kaput. i started…
