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Topping up credit card HIGHER than its limit, to increase the spending limit ? work ?
This is just an example, but: If you have a credit card with a limit of £1000, and then you spend £200 of it, leaving you with a spending amount of of £800, Then if you top up the card (With a slip at the bank, 3 days) with £600 cash then £800 + £600 = £1400, which will be over its limit, (the limit is £1000 remember) Then…
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Unclear about Virgin balance transfer card promotion
Hi Guys Doing this to help out a friend as I'm really confused as to what to advise her. Totally unclear about a Virgin Balance Transfer credit card promotion. Any suggestions would be truly appreciated! Here's her dilemma:Months ago she managed to get a Virgin Balance Transfer credit card on which the 0% period expires in…
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Be careful joining Lottoland with a Credit Card
I recently joined Lottoland and credited £10 to try them out using my VISA Credit Card. They offered a number of Card handler options, such as Visa, Mastercard and a few others. No mention was made about any charges, and I got no warnings. However, my Card Issuer charged me a £3 handling fee and cash interest from day 1,…
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BT enquiry and queries
hi all, my aim is to clear my credit card balance before my 0% finishes this time next year, balance is 1.3k @ £100 per month payments. However, looking into possibly using my card next year for nursery fee's and then BT'ing the balance to another 0% card. When would you consider applying for a BT? the month before the 0%…
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citicard problem
Hi everyone Can anyone tell me who to contact for cardholder repayment protection and lifestyle protect reclaiming for an old citicard account. I tried phoning and they said my account would be with Opus but after phoning them Opus told me my account never transferred to them and get back in touch with cit. I am just going…
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John Lewis Financial Services unreasonable requests
I and my husband have had a John Lewis credit card since 2006, we pay in full each month and have never had monetary issues of any kind with them or any other body, mortgage paid off in full etc, now they have requested that my husband provides 'proof' that he is who he says he is. They have supplied a list of 'the great…
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MSE News: Watchdog concerned over problematic credit card debt
The Financial Conduct Authority says more could be done to help struggling borrowers with credit card debt... Read the full story: Watchdog concerned over problematic credit card debt Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Santander 123 CC and Apple Pay Bonus
Hello all, I know iProducts aren't "money saving" (or indeed for everyone!) but for those of us with a Santander 123 Credit Card they are currently running an Apple Pay bonus. If this is in in the wrong thread please feel free to amend accordingly. Between now and 29th February 2016 for transactions made using Apple Pay…
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Send money from CC to a bank account?
Hi all, I need to transfer some money to a friend ASAP, but unfortunately pay day is a week away and I don't have the funds right now. I have a 0% interest credit card with Halifax - is it possible to send money from this card to the individual? I am currently abroad and so can't get to the bank. Any help would be greatly…
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Is Section 75 applicable to a cancelled credit card?
Hi all, I have a Santander 123 credit card and am coming to the end of the 18 month 0% purchases promotion. I've just paid off the balance in full. I was planning to cancel the card straight away, hopefully getting a pro-rata refund of the annual fee renewal that I paid recently but remembered that I booked a flight early…
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Money Transfer Deal.. is this OK to do?
HI MSE's I have a sizeable debt on a credit card that is split into 2 types of 0% rate. One that expires in January 2016 and the other that expires in November 2016. I have just logged onto my credit card portal and noticed that there is a money transfer offer for 0% until November 2016 (admin fee 3.5%) that I am wondering…
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Applied via MSE link for Barclaycard 0% with 2.65%. Form offered 3.5%!
Sorry, title should say 2.65% fee. On the debt I was shifting that means an extra £32! That is a big difference! I did not see what the fee would be until I clicked the barclaycard's form's box for 'balance transfer', at which point it blithely informed me of the 3.5% fee! I already had a poor offer from MBNA waiting for…
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How easy is paying extra on 0% balance transfer cards?
Sorry if this is a dumb question, but I cannot find any info about how 0% balance transfer credit cards are actually paid off, just a worrying aside that MBNA cards do not allow monthly payments to be varied. How do these cards take payment? Direct debit? Other? Want to transfer £3700 credit card debt (on a single card) to…
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Do American Express offer any retention deals?
I am due to receive ny cashback in the next few weks from my AMEX Platinum Cashback card. As soon as I get it I plan cancel it straight away as I do not find paying £25 fee for 1.25% cashback card being a good deal. I already have 1% Mastercard so extra 0.25% is not worth £25 fee. However I have house move coming really…
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Yorkshire Bank Gold 0% for 26 months card. - No option to view online.
Hi all. I received my Yorkshire Bank Gold Mastercard recently but am surprised to find that there is no option to view the balance online unless I have internet banking with another Yorkshire Bank product. As I like to keep on top of all my spending every week or so this seems a very out of date policy. I can't remember…
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Help please - card application denied
Hello, I'm brand new to the forum so please be nice to me. :) I need a balance transfer card to transfer about £780 of debt from a Tesco credit card to somewhere else with 0% APR for at least 2 years. I have no other credit cards. I am a homeowner but my husband and I just purchased and moved to a new property and have…
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Should I dispute transaction Domino Pizza?
Hello, two days ago I went to a local Domino Pizza place to order a pizza. After looking at their menu, I picked a pizza, gave my CC, signed a receipt. The total price was supposed to be $20, in fact I was charged $28. I guess even the receipt could have said "28" but I didn't take my glasses so I am not 100% sure what I…
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Can't use card while switching banks?
I have been sick of HSBC so today opened an account with TSB and am switching over, they told me it will be complete on 10th November. What they didn't tell me is that I can't use my old card now?! I am trying to buy things this evening and all transactions failing. I can still log in to my HSBC account and my money is…
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M&S Credit Card for buying Currency
just picked up some USD for a friend, from M&S as they requested.. the best rate is apparently reserved for those paying with an M&S card. but are they actually good value? and how important is it to have an M&S card? i currently have both Debit Card and Credit Card with them, but was only planning to be temporary, to take…
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Post Office Platinum - criteria
Hello Looking at getting a Post Office Platinum for holiday as it is 0% on use abroad and would reduce the amount of cash I would need to carry. The MSE calculator only gives me a 30% chance of approval. I can't find any eligibility criteria for this card online - does anyone know if these are documented anywhere? (like…
