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Lloyds Paying Credit Card via Direct Debit
I recently got myself a Lloyds Platinum as I've been doing more and more trips abroad with work and I need some protection. I want to set up a direct debit to pay off the credit card. Can I do this online or do I need to phone customer services?
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Balance Transfer - Ireland to UK
First time poster here!!! I have been living in the UK for 3 years, moving from Ireland, and plan to be here for the future. I still have a credit card held through an Irish bank with a balance of about €1,000. I was wondering if anyone knew if it was possible to transfer this balance to a UK lender/card to avail of a…
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Credit card eligibility checker isn't infallible
No doubt the eligibility checker is A Good Thing, and helpful for some. I applied for a 0% balance transfer card on the strength of the checker giving me a 70% chance of acceptance, and my 'good' Experian score of 945. Getting turned down was disappointing, and quite annoying as there's now a declined application on my…
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Prepaid card dispute/chargeback possible
Hi there I am about to buy a camera from Hong Kong for around 900 pounds I have a prepaid Visa card as well as a prepaid MasterCard. If something were to go tits up as in goods not received or faulty would I be able to make a claim using one of these cards Thanks
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Charge-back under Section 25
I accepted an advertised service that included a free item which was not as described and of much lower value. I requested a charge-back from my bank which was refused saying that the free item did not form part of the contract, and as long as the service was provided they didn't need to give me anything extra. Has anyone…
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New to credit cards
Hi, Iv'e never had a credit card before, but would like to get one to boost up my credit rating etc. What should i be looking for? I had a default on my file from 2010 which is now been sorted and paid off. I am debt free now, with only insurance and phone bills coming out monthly. Any help would be much appreciated. Many…
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Barclaycard Initial
So i'm coping well with my debts but having picked up on a few things on this forum, I decided to apply for a Barclaycard - Credit history not great in terms of payday loans and the like, but repayment history impeccable. I got accepted and have had an email and SMS stating my card is in the post. Cool beans. This post is…
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AmEx Eligibility
hey guys, New here. It would be great to get some advice on the AmEx. I currently have 3 CCs. Building Society - £3k Avios Reward - £750 123 Santander - £3.6K Salary - £30k I have a spotless credit history which I have held for just over 4 years. I recently got approved for the 123. My borrowed credit stays below a third…
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Balance Transfer query
Hi guys ! Hope you are warm where ever you are! I am a B.Tr. newbie and have a query that no one seems to know how to answer. I have a 7K GBP debt that I'd like to move to another card that offers 0% . I also have a 3K GBP cash lump sum available to clear a part of the debt. My question is , is it better to pay the debt…
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Capital One
I recently read an article on here about credit cards for people wioth bad credit, and based on the assesment tool, I made an application for the Capital One credit card. At the end of the application, I was shown a message stating that I had been accepted, but I havent received a confirmation email or any sort of…
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Credit Card
Credit Card transfer virgin I'm afraid :embarasse I recently obtained a Barclaycard credit card, through the help of this site :-) I was happy with the balance transfer I completed and was happy about the 0% interest for 35 months. However I used the card to buy a pair of boots, will this have an effect my 0% interest? I…
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Santander 0% 15 mths, no tranfer fee
OK, got the new Santander card, logged in, go to credit cards, then to balance transfers... Under the amount and card boxes, it reads: "The amount to be transferred must be more than £ 100 and within your available credit limit. You should carry on making monthly repayments to your existing credit/store cards until the…
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Outstanding Balance Left on Account for 6 years!!
I have recently found out through my credit file that a credit card which was paid off (full and final settlement agreed in 2008) has been showing a balance of £1000 outstanding for the last 6 years. The bank have never contacted me to ask for payment and indeed, if I had not checked my credit record, I probably would…
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Free PPI - is there such a thing?
I've just been on with Bank of Ireland UK (now Post Office) asking, before I claim, if there was PPI ever paid on the credit card I had some years ago. On investigation I was informed that I had had free PPI on the card provided by BOI/Genuis(?) and so I could not make a claim. Is this right?
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transaction pending, now disappeared, AMEX
Hello, I booked last week a couple of flights through Amex platinum service, however, the transaction were pending till yesterday, and now its disappeared! did anyone had that before? I mean, its not added to my balance and its not pending any more. what happened there? flights are still confirmed through BA. cheers!
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Halifax Clarity abroad
Hi, I'm just after some confirmation. I have had a halifax clarity card for a while - I use it only when abroad and mainly to withdraw cash from ATM's whilst travelling. I have just rang up Halifax to let them know the dates I will be away from for an upcoming holiday and the operator seemed quite surprised that I would be…
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section 75 over 30k ?
Hi all I am considering buying a car that is over 30k. Does that mean it is not covered by section 75 automatically or it covers but any payout ( charge back ) is only upto 30k ? Thanks
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Mis Sold a credit card whilst a student?
Hi everyone, When I was at uni in 2010 my bank offered me a credit card. Whilst paying cash in in-branch they asked me if I wanted a mastercard for online shopping as it gave me more protection. I said sure, why not. a few days later I received a platinum card with £1900 credit. I used it to max (to pay gas/water bills etc…
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Multiple Balance Transfers?
Hello! Wondering if somebody could help me... I've just taken on a new 0% Balance Transfer with Barclaycard over 35 months, consolidating the card each my fianc!e and I have which run out of their interest-free periods shortly. This is great for us as it gives us flexibility with our wedding in July later this year. It…
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Student credit card
Hi, I would like to know if I should cancel my student credit card from NatWest. It was opened with my student account in 2010. Now have an graduate account with NatWest with £500 0% overdraft(Not touched). CC it only has £500 limit. Was used and paid off in full all the time. Now I have an HSBC credit card with £1500…
