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Credit card increase ?
I got a credit card with aqua ,only given a small £500 limit and this will be my third statement with them . I use it frequently and pay in full every month . Will I eventually get a increase ? How long does it normally take ..I've had it 3 months
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Liability for credit card due to bereavement.
I'm asking on behalf of a family friend so... Her husband has just died suddenly and she has found two credit cards that he took out totaling almost £20k. She had no idea about these credit card and as he was the person that took care of all the bills (older couple) it was a bit of a shock. She has phoned the credit card…
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Just been refunded £900 on to our Cap 1 CC
Hi everyone We bought a dining room table and chairs 3 months ago, but twice the table had to be replaced due to major faults with it. So, we've just been refunded and now have £900 and £100 > £1000 (another refund) credit in our account right now. My concern, is that we want to close the account now, due to the cashback…
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New deal on Existing 0% Balance Transfer Card
6 months into my 0% deal with Halifax and they have offered me another 21 months 0%! And a Money tranfer deal too. Correct me if I'm wrong, the way this works is that they are hoping I look at the overall balance and think I have 21 months to pay it off, thus reducing the monthly payment by just enough that the current…
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Section 75 claim for club in administration
Hi folks I'm a member of a sailing club that has just gone into administration. I paid my full years membership subscription using my Natwest credit card in April. Do I have a claim against Section 75 for a full or partial refund of my membership fee? Cheers
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Question about 0% purchase card
Ok, this may seem very obvious, but I would like to make double triple extra sure I understand before I use the card. This is my first credit card, I got the Halifax 0% purchase card with a £1500 limit. I think I will use about £1100 of it, I want to buy a new computer and from what I understand this way is cheaper than…
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virgin refusal to renew...
im coming to the end of my 0% period with virgin and my current issue card expires in a few months time, they've now sent a letter to say they wont be renewing it when its out, i can keep on paying but once my balance is paid im no longer a customer! why is this? ive paid regularly (mostly the minimum amount plus approx…
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Santander Refused Me a Section 75 Refund
Recently I bought some Creed perfume from the London Perfume Company as it was a bargain price (not much over £100). I tried to use my Nationwide and American Express credit Cards to process the transaction, but mysteriously neither worked, however my Santander credit card did work and the transaction went through. I…
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Should I take on my friend's credit card debt?
This week's MoneySaver who wants advice asks... My friend has £3k on credit cards, on very high interest rates, and due to his terrible credit rating can’t get a balance transfer card. I have great credit rating. Do I take on his debt (in my name) and set up a repayment plan between us, allowing him to pay off his debt and…
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Best money saving way to pay for road tax?
Hi money savers, Got my road tax reminder in the post today and was wondering what the best money saving way to pay for this... Renewing directly with DVLA, they charge £2.50 extra for credit card, no charge for using a debit card. The only other thing I've spotted is that you can pay in a post office for renewal and seen…
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Credit Card Booking Fees/Surcharges
Hi I'm wondering if anyone can help please? If I book a holiday on my credit card and the holiday company charges me a fee for booking i.e 2.5% for using a credit card. If this holiday is then subsequently cancelled and I have been told I will get a full refund, am I entitled to the booking / surcharge fee to be refunded…
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Halifax Clarity vs Nationwide Select in USA
Hi All. I've been trying to work out if I should stick with my Nationwide Select Credit Card or apply for the (MSE recommended) Halifax Clarity Master Card, for an upcoming trip to the USA. I phoned Nationwide and their operator said that the Select credit card that I have, offers everything the Clarity card offers, but…
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Co-operative may have charged some customer twice on Tuesday
http://www.bbc.co.uk/news/uk-33466767: Refund on the way.
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Missed first payment
Hi, I transferred a balance onto a new post office cc and set up a dd straight away for £200 pm. I was not told I needed to make my first payment manually and so missed the payment which I have been notified about today. I called customer services who were helpful and re-imbursed my late fee of £12 and have agreed to do…
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HSBC Credit Card and Employed Freelancer
As a bank account customer of HSBC for 10 years I decided to take up their offer of 34 month 0% credit card. So I applied for it, a few days later they told me to ring up. Turns out I have to take my employment contract into a branch for them to make a decision. Which ok, is a bit annoying but fair enough. The problem…
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Using an interest free credit card to pay your mortgage.
If I got a credit card that was interest free for 36 months would I be able to use this to pay my mortgage? What sort of percentage of the total are the minimum payments for credit cards?
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How long between applications?
I am looking to apply for 2 credit cards in the near future: 1. Halifax clarity to use when abroad 2. Santander 123 for the cash back element. How long should I wait between applications to ensure it doesn't negatively affect my credit. I also hold 2/NatWest cards, but only use one...should I cancel the other before…
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Balance transferring too much.
Hello, This is my first post. I tried to find the answer to my question in the forums, but was unsuccessful. Apologies if this has been covered before. I shall be applying for a 0% Balance transfer credit card soon, so that I can actually start to pay off my Lloyds CC. I'm also currently using my overdraft. My Lloyds CC is…
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should i apply for a new credit card
i currently have 2 credit cards they are high intrest as they are inteded to help rebuild a bad credit history the cards i have currently are vanquis and aquacard vanquis decided to boost my limit to £1000 some 4-5 months back and aquacard have just done the same this monday which i assume means my credit rating is getting…
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Transferwise & cash advance fee
I've used Transferwise to make foreign currency bank transfers and got burnt once so would like to share my experience. Transferwise gives you two options to pay them: 1) credit card and 2) bank transfer to Transferwise's (UK) bank account. There's a tip next to credit card saying its 'faster', yet, they don't mention if…
