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WWYD - credit card closure
So the situation is I have: Halifax card, £5200 limit, 0% interest (until September 2015), Balance £4889.41 Barclaycard, £2k limit, no perks (0% on purchases ending 1st March), Balance £42.99 The BC balance is made up of three fraudulent transactions dated 12th January. I noticed these on the 18th January when I was making…
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Allocation of interest
Hi, So stupidly, some years ago I took out a Vanquis card (the only one I could get with a poor credit score at the time) and was paying extortionate interest of almost £90 a month on a £2,300 balance! Anyway, I recently managed to get a Barclaycard with a balance transfer rate of 0% for 24 months, saving a whopping c.…
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Halifax Clarity card questions
I have just activated my Clarity credit card which I have got in preperation for my holiday in May but I need a few questions answering to help me have a hassle free holiday. 1. How long does it take for a payment/cash withdrawal made on the card to appear on my online account? 2. How long does it take for a payment made…
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Consumer credit rights question
I paid £120 for motor insurance over the phone by credit card. Confirmatory letter said I had no right to change my mind nor claim a refund if I did. I was not told this when I bought the policy, though I had thought the Consumer Credit Act gave a 'cooling off' period on all purchases over £100. Is that wrong? Thanks
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Accepting card payments without hardware
Hello all, My question is quite simple. Have you tried to take a payment from a customer remotely only for the payment to fail using a chip and pin terminal or mobile pos? The problem is, 26% of the UK has no data connection, so a mPoS which relies on data connectivity is NOT suitable. In these scenario's what do you do?…
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Cash withdrawal and balance transfer query
Hi guys, so I'm almost ready to do a balance transfer from my Aqua card to a 0% Santander card. But before I do, I'd like to withdraw a small amount of cash from an ATM on my Aqua card, it's necessary. Will cash withdrawals on my Aqua card transfer to the Santander card? Or do cash withdrawals get left behind? Essentially,…
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Son has Amex Gold Card in US; turned down for standard Amex card in UK
Our son works for an investment bank in the US where he is on a good salary. He has been there 10 years. He has no outstanding debts and an excellent credit history. In the US he has an Amex Preferred Rewards Gold card along with several other high end cards. However he is transferring back to the UK imminently (same firm)…
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First time credit card.
Hello, I am 21 and I have never had a credit card. I have had 2 phone contracts out before and have never missed a payment, as a result my Credit score is a 998. I am wanting a 0% credit card if possible but I'm wanting the best choices available, What are your suggestions? I did a soft credit search and was only 60%…
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Credit Card Limits
Good Afternoon I have 2 credit card's at moment HSBC with £8000 limit / Flybe £5000 limit, Both will be all paid off in next 3 months and was thinking of lowering the limits of the cards or just cancel flybe and keep HSBC Any advice would be great Thanks Rich
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About to spend a large amount of money - what is the best credit card for me?
Hello all, I know this will entirely depend on my credit rating as to what actual card I can get. However my OH and I are about to start booking things our wedding. We're likely to spend in excess of £10k altogether... we will have the money available in our accounts to pay the card off as we spend on it. I'm just looking…
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3 credit cards,what shall i do?
I currently have 3 credit cards with 3 different company's. They have 3 different credit limits one has 5700,another 4300 and last 4800. The last one I've just been advised will be increased to 7800 at end off me month. Shall I let the increases happen or keep them lower (what helps with getting other credit?). We have…
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Basic Credit Card Shuffle
Hi all I have £20,000 of debt over 3 credit cards with 20% Interest I applied for a 0% card and got it for 29 months but with a £6000 credit limit. Do you think I'll be accepted for another card to transfer all or someof the remaining £14,000 or will it just damage my credit rating and not get me anywhere Thanks for…
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High balance credit card
I had a cash flow problem and took out a £20k limit 0% interest credit card which got to its limit over a 24 month period, i am now paying it back with a minimum monthly payment of £550, interest of £350 ish, i can now pay back at this rate no problem but with only £200 coming off the debt it will take forever, i have…
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Barclaycard - Two transfers, balance and money, which gets paid first?
Barclaycard has 2 offers on it presently. Both 0%, one carries a 3.9% fee, interest free until 2017 for a BT, the other carries a 1.9% fee, interest free until Nov for a money transfer. If both were utilised at the same time, would the payments be allocated towards clearing the money transfer first, then onto the BT?
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Will my card protect me if I cancel my holiday
Last year I booked a holiday with Sykes Cottages which included cancellation insurance. This year I want to go to the same cottage but pay the owner direct. If I pay with my credit card ( hsbc) will I be protected if I cancel the holiday for whatever reason ? Thanks
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Avoiding interest Clarity card
Hi, I wonder can someone help. I seem to have made a mistake and I'm really annoyed because I thought I'd played it right.:mad: I was on holiday over the winter and used my clarity card for all cash withdrawals. Month 1 was 0.29p interest charge (readjusted and credit 0.29p back? dont ask me why) month 2 was 0.15p but this…
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Link Charges on ATMs
Does anyone know how much a bank is paid when their ATM is used by another bank's customer?
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Will reducing my credit limit help me get BT card?
I have a joint a/c which is £3000 overdrawn (limit) and a CC owing £1900. The credit limit on the card is £10,900. I want to apply for a BT to clear the OD and the CC. I have run my details through the MSE checker and get rated at 90%. My wife (67) and I (69) are both in employment. My credit record is clean. Before…
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What's the best deal BarclayCard ever offered you?
I'm curious what offers people have given to BarclayCard (in regards to existing customer offers for BT's and money transfers). Every one they've offered me have been a pittance compared to all their standard offers, with my current offer being a 12 month balance transfer for a very cheap 3.9% /s Figured they'd be trying…
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Paying for a wedding abroad
Hi All I am getting married abroad next year and need to start paying deposits, but I'm not sure about the best way to do it. I was thinking about paying with the Halifax Clarity Card as this has no transfer fees for paying abroad and I would like the cover a Credit Card gives as opposed to a money transfer (if things went…
