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When should I chase an application?
I applied for the M&S credit card via the MSE site for an additional offer and was told they hope to get back to me within 48 hours but as they are seeing increasing applications it could be between 2-5 days. This was 12 days ago, at what point is it reasonable to chase an application or try to get an update on it's…
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Too Many Cards?
I have 4 credit card accounts open, I have the dual lloyds account which I have had open for 10 months, I rarely use them and they cost £24 a year. Would closing credit account effect my credit background checks?
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What should i do with my cards?
Hi all, long time reader and first time poster here. In the next week or so I will be consumer debt free - I'm in the process of buying my first home with my wife, and I still have a student loan. My situation is that I have a Barclaycard Initial, interest rate of about 19%. I cleared it last year on a balance transfer to…
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Halifax Clarity Card and Dynamic Currency Conversion
Hi Sorry if this query is a bit dumb but want to make sure am not missing anything...........and sorry for long post. By way of background - I have always been careful when travelling to ensure that we do not pay over the odds for spending and exchanging cash. I always opt to pay in the local currency after reading of all…
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Vanquis few days late payment
Hello all, Just after some quick advise really, I have a vanquis card which I've stopped using but the last payment on January 12th was due. I went online to their payment system and it was down for days due to an SQL issue on their site, it got to the 15th and I phoned them up. Paid the card off over the phone. Since then…
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How to play this
Edited as worried about being identified
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Using a credit card online whilst abroad?
Hi there, I wanted to know about using a credit card online whilst abroad. I am going to be living abroad for awhile and will set up my own bank there but I would like to keep using my credit card for big purchases e.g. flights. For example, if I were to use it on skyscanner here in the UK I presume I would get no charges.…
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Tesco clubcard minimum payment
I have a Tesco clubcard credit card which I took out in October and spent 75 quid on it. I did not receive a FIRST statement until after I had left the country for three months..I have just returned. As I did not know how much I would owe I set up payments to go through for 5 quid from my bank on 1st December and in the…
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Vanquis Cash Advance
Hello, on Friday I was accepted over the phone for a Vanquis Card. They asked me if I wanted a cash advance, I said yes and took £100. They said it would be in my account by Tuesday. I received a text from them yesterday saying " The £100 cash advance authorised has now been cancelled." Why have they done that? I've tried…
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Scammed but paid using credit card
I bought something of ebay by buy it now, but once the money was taken the seller refunded the money and offered it to me outside eBay a bit cheaper. They then sent me a paypal invoice for £250 and I paid it by paypal charging the full amount to my Capital One credit card. I have opened a dispute with paypal but they say I…
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Card Limit - Build Credit Score
Hi all, Does a credit card's limit have any impact (positive or negative) on the building of a credit score or is it all down to the repayments? I'm using a CC for business purposes (expenses) so can guarantee that I'll be always be able to pay it back and never overspend .... Just wondering if it's worth asking for a…
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Cash back credit card
Hello, I've a cash back credit card with a high spend limit. I can earn cash back anywhere I spend. I also work for someone that owns a few shops and I do the shopping for him. I was thinking to start using my card to pay for the purchases and than bank the cash he gives me in my bank account and transfer it to the credit…
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Declined by MBNA
Hello, I'm after a bit of advice please... I currently have a Santander Credit Card that I wanted to transfer the balance to a 0% credit card. After using the eligibility checker on this website it came back with a 90% acceptance rate for the MBNA credit card. I passed their initial checks and went onto apply... however I…
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Paying off v paying the minimum
Hello I was wondering if anyone knew is it better for my credit score to pay off the credit card debt I have or continue paying off the minimum each month as long as it's not earning interest? I've got another 12 months until the interest kicks in and currently pay the minimum each month but have the money available to pay…
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Credit card fee
Took out a credit card a year ago, as was free for the first year when I opened another bank account at the branch. I've never used it and my annual statement came through today, I phoned up to cancel but they want to charge the £24 annual fee even though I don't want to use it for the next year! Apparently I had to give a…
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Borrowing money at 18 y/o
Hi Guys, I'm 18 years old and I need to move out of my parents house. I am an apprentice and only earn £560 a month so I don't have enough money to pay a deposit on a place. I only need to borrow about £500. Does anyone have any suggestions?
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S75 Query
I bought a new car 18 months ago and paid the deposit on the credit card which is in my wifes name (I am a named card holder). I have just found an issue with the alloys and Ford are reluctant to replace them under warranty stating the finish coming off and the pitting is wear and tear even though the rear wheels are…
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Merge balances & limits onto Low Rate card MBNA?
Hi all, Long story as short as possible. I have 4 MBNA cards. 3 cards have balances of approx £7000 total, my 4th card the Low Rate at 6.5% has no balance. My available credit spread across at the minute with these cards is £16000. The 3 cards carrying balances all have 0% offers, first one ends November 2015. I need a…
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Struggling with repayment from overseas
25years ago when I was living in the UK, I got 2 credit cards from Barclays(Mastercard & Visa). Shortly after,I moved overseas to work and since then, have paid the bills each month via mybrother’s bank account in the UK. However,I’ve now run into financial problems and am struggling to meet the minimum monthlypayments…
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Lloyds avios credit card
Just received an offer from Lloyds card holder services today that I can do a money transfer for 12 months at 3% fee into my bank account. Not interested but useful to know they are now offering this service.
