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Vanquis: I'd like an increase please!
Good afternoon all, I have had my Vanquis card since January this year with a credit limit of £150. I have used this card every month and paid off in full. I was really hoping that I'd have an increase by now and having read the guide on MSE which said that some companies consider people like me as 'bad customers' as I do…
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Concerned RE ID theft - letter about a card I do not have
Hi all, I've recently had a letter from Barclaycard regarding improved T&Cs - the only issue I have with it is that I don't have a Barclaycard and never have done. In the past I've had letters from the likes of CapitalOne trying to get me to sign up to cards, so I was inclined to ignore this letter from Barclaycard as…
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Post Office Travel Money card
I've used a PO Travel Money card for about two years and when I tried logging in via the mobile app I am told that my card has been cancelled (with €265 still on it). I logged in via the web on PC and it was asking me to "activate" the card .... why after all this time? When I tried to activate it said the details were…
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going back to old credit card
my current credit card is due to expire so need to get a transfer credit card with 0% for however many months. there are a few that i have had in the past but not sure whether its been long enough without owning for me to re apply. If I rang up the company of the particular card I wanted, would they be able to tell me how…
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Applying for 2 different cards from Tesco
Hi all I'm waiting for my 18months 0% Purchases Tesco CC to arrive in the post to fund a big purchase, but it wont cover the whole lot. I have another CC with a good limit on it to cover the remainder but it is an expensive 18% APR one. Was thinking, could I apply for Tesco's sister credit card, the 0% for 12 months, £0…
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Credit Card for work trips
Hi Right, with my job I will need to be going to europe. I'm not sure exactly how often but multiple times a year I believe. I get expenses paid but I need to pay for stuff myself when I'm there and then claim it back. I was considering a metrobank current account due to no fees in europe when purchasing and using cash…
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Thomas Cook Bargain Holidays or Error
Hi, if anybody goes onto Thomas Cook right now and selects Holidays, then Beach holidays, then searches for all (do not apply and filters), then put the results in lowest to highest order, there should be a holiday there to the Dominican Republic in April 2015, 14 nights, ALL INCLUSIVE for....£20 per person. Amazing right?…
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Balance Transfer Fees
With 0% balance transfer what does it mean when it says, e.g., 0% balance transfers for the first 33 months from account opening (2.89% fee applies during the first 3 months from account opening, then 3% onwards) What does this in bold mean? Does it mean your first balance transfer will be at 0% but if you transfer a…
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Balance transfer from my wife's credit card
Hi My wife has an old HSBC credit card with a very high interest rate. As my credit history is better I decided to get a new 0% balance transfer card to take the debt in my name and gradually clear it off. I have been accepted for the 0% card with Halifax, which is on it's way to me. However, I had an email today to advise…
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Holiday Companies charges for using credit card.
I'm about to pay for a holiday with Thomson, on a credit card. They are charging me 2% for the privilege(58 quid)I then want to do a balance transfer onto another card(30 quid).Anybody know a better way. Cheers
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Most relaxed "regular" credit card?
Hello, I was wondering if anyone had any information on which credit cards might be easiest to get that aren't in the "credit builder" category?
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Help with paying Clarity card bill
Just paying our first Clarity card bill online from our HSBC account . From HSBC's 'list' of organisations to pay, I found Halifax Clarity, so picked that . It came up ok showing the correct 77 29 00 sortcode and 00000000 acc number for Halifax, so all ok so far. Filled in the payment details , and for the reference…
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Cash Plus Card
Has anyone used the Cash Plus Card for paying bills and direct debits? Seemed like a good idea to load money on to it and have all direct debits coming from one place.
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BT for existing customers
Sorry if this is the wrong older but does anyone know if I can find a list of the cc companies that offer good bt rates for existing customers ??
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Fraud - How can I claim my money back?
Hi, I purchased 2 bags from a site which I though was legit. I received 2 bags about 10 weeks after ordered which are clearly fake and completely different to the ones I ordered. I tried contacting the seller for a refund but after not having any luck started a dispute through Barclaycard. Barclaycard have eventually come…
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Different lending criteria very strange.
So in the last 5 weeks I've opened 3 balance transfer cards. A Barclays with 6k limit for 16 months, a Lloyds with a measley £1.2k limit for 24 months and now a fluid mbna with £5k limit for 26 months. Although the Lloyds was pre approved maybe explain the lower limit. Now just before fluid application I did a pre…
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Refused a new card & balance transfer ? Help
Dear MSE I have just been refused and halifax 15 months Credit card at 0%. Before i checked on MSE and it stated i had a 90% chance of success which i thiough was correct I am confused my credit rating is excellent and i have 2 other cards (Barlcays & Lloyds) which i have never missed a payment and decent limits. (2K and…
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confused!!
I am about to apply for a 0% on purchasing credit card, but when I read the fine print it states 0% on shopping for 15 months but lower down it states 55 days interest free credit if paid off in full monthly. The reason for the credit card is to pay things for a wedding such as registrar photographer etc. Will this class…
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Dell refunded me in full to the wrong CC number - what can I do
Hi all I cannot believe this and currently fuming but I returned a computer to Dell because it became faulty and they couldn't replace it, so was only offered a refund. Since then, my barclay card was re-issued to me with a new CC number, different than the number used when purchasing the computer. Upon checking my…
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Credit card interest killing me
I have a Lloyds Credit card which is at its limit of £4000, I have v poor credit history for past few years i have paid off 2 credit cards which had £1000 on each over the past year and this is the only credit card i now have left. the interest is £84 per month and i can only afford to pay £120 per month. i cant get any…
