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First Credit Card. Unemployed
Hi, I think the time has come where I would benefit from applying for my first credit card. Apart from a small student loan, I have no other debt and have never borrowed before. Currently I am unemployed due to poor health. Where should I start looking? What are my chances of a successful application?
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Mastercard/Amex question
I have a 3k balance on a M&S Mastercard, and a zero balance on my Amex card which has a 11k credit limit. M&S have offered me a 2 year balance transfer at 0%. Is there anyway of shifting my balance on the Mastercard to the Amex card and back? As an alternative would using pre paid cards such as pay.com/3v potentially work?
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American Express card refused in Spar ??
Hi All Since Capital One has stopped their cashback, i applied and was accepted for the 0% fee American Express card as advised on here. Had card/pin and activated it online, tested the PIN in a local cashpoint to see if i could withdraw money and it would allow me (i never withdrew anything). I have just been to my local…
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Query re: Halifax Credit Card
How do I delete this post please? No longer needed
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Courier cost charge without cardholder's permission?
Hi all, Hoping you can help me! I have a case of a US car hire company charging my mum's credit card for courier costs of sending on her lost mobile phone. I was wondering whether she has any rights to object to the charge based on the fact that they never sought her permission to charge it (plus it was quite an…
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0% transfer
Hi all, I have a HSBC credit card. I was recently offered a 0% transfer deal on this card, which I took advantage of and transferred the debt from another card. I now have quite a high balance, half of which is at 0% and the other half I am paying the normal APR. My question is this- I have recently been offer a 0% deal on…
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M & S - very disappointing.
Hi there, In January of this year I was granted a 15 month interest free credit card from M & S through this site. They also agreed to send me a 30.00 shopping voucher which although it is now June, I have still not received. I have phoned their customer services on three occasions (holding on for ages) and each time have…
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Using a prepaid credit card to part pay online
I've been given a virtual credit card by my US-based employers that is loaded with $300. It cannot be topped up and any purchase of more than $300 will be declined. I don't have a physical card, just the details to use it online. I would like to use it as partial payment against a camera costing around £280. I'm struggling…
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Barclaycard delivery time
I have been approved for a Barclaycard and posted my id off on Thursday. Does anyone know roughly how long it should be until I get the card please? Im not in a hurry to spend on it, but am probably going to need to go into hospital this week and would rather not have it sitting in the communal hall at home. Thanks
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overpaid child tax credit
Again I have received a letter yesterday from Inland revenue mentioning about overpayment of child tax credit. This is mistake made by inland revenue. Some years back these letters were also sent. How do you deal with this?
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Credit card issued but not for full BT amount
I applied for a Barclays card platinum CC and received it today. At the end of the only application I got notice that I will not get the full BT amount I wanted, £3500 and a decision will be made on my application in 5 working days. So I received the card with a £8000 limit. But only £2400 BT limit. Do I: A: Ask them to…
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MBNA Product Transfer?
Has anyone ever had any success in changing their card type with MBNA? I find this really easy to do with Barclaycard and i'm just wondering if its as easy to change card types with MBNA? For example, standard credit card to the platinum card. Thanks :)
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MBNA Platinum terrible customer service - cancelled account
I balance transferred to an MBNA Platinum at the end of last year. With a direct debit only allowing minimum or maximum payment I swapped from this to a monthly standing order for an amount considerably over the minimum in Late January/early February. Having chose the first of the month for payment (one day after the…
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Credit card query.
Im looking at purchasing a new camera for £410. As i dont currently have a credit card could i get one and purchase the camera. Then get one of the balance transfer 0% for 36 months credit cards with a low fee and transfer the £410 from the 1st card to the 2nd one? Thanks
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Problems With Orange Cash Rewards Points
Responding to a question in another thread as it belongs in a new thread of its own. I first opened my account in March 2104. Since March 2015 points have been deducted from my account as if expired. Points should only expire after two years and the oldest points should be spent first. So I should only have lost points in…
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Credit card vs prepaid card abroad
Hi all, I'm considering buying a Travelex Globe prepaid card for use abroad, but struggling to compare charges for using my mastercard vs one of these prepaid cards. Travelex have listed the purchase transaction fee which is 2.49% but they also mention a usage fee of 1.49% in a pdf usage guide i found. Does this mean the…
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Advice for 1st time borrowing
Not sure this is in the correct place ? As the the title says , I am after some advice. I have never borrowed in any way before so unsure of what my options are. Myself and my husband have been allocated a local authority property , and they insist we have to start the tenancy next week , the problem being we currently…
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aqua card is increasing my APR by 10% !!! Help!
I have held an aqua credit card for a few years now, with a starting limit of £450. They have increased my limit steadily and it is now £4300 with an APR of 38.9% I have just received a letter from them telling me that on July 1st 2015 they will be increasing my APR by 10% bringing it to 48.9% ! The letter states that if I…
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Barclaycard balance transfer put me over my limit
I wanted to do a balance transfer online but had issues logging in so phoned the internet helpline as advised. They sorted whatever the problem was and said they could put my balance transfer through for me on the phone. I asked how much i could transfer and they said X amount, it seemed high so i asked again and they…
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Credit card before lender releases mortgage funds?
DH is a FTB, buying a flat for us to live in. He's already exchanged, and completion will happen on June 18th. He wants to get a 0% credit card before we complete so that we can buy furniture, etc and then pay it off over the 0% period. He's checked his eligibility using the eligibility calculator and there is a 90% chance…
