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Is luma online acceptance guaranteed?
I was accepted online for a luma credit card with a £200 limit (I have extremely bad credit) is this guaranteed or has anyone been declined after being accepted online initially?
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Amex Credit Cards
I'm thinking about applying for an American Express cashback credit card. I currently hold 2 other credit cards, one with Barclaycard (Freedom Rewards) and another with MBNA (More Rewards) Do American Express have offers like Barclaycard and MBNA do with 0% Balance Transfers etc?
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Advice
Hi, I am 22 years old and have bad credit. As I regrettably let friends use my name to get things, which they never paid. I am at the point now where I get declined for pretty much everything. I would like a credit card but unable to due to poor credit :( . Any advice on how I can improve. Thanks in advance
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Second credit card withe same provider
When applying and getting accepted for a second credit card with the same provider, which of the following will happen: 1. Brand new/seperate credit limit for the second card 2. Credit limit of first card will be split to be put on the second card (e.g. first card credit limit is £4000, then second card has £1500, leaving…
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Working Out Mimimum Payments help please
Hi There...I'm not great at working out interest amounts & wonder if someone could assist? If I did a Balance transfer of £3500, to a MBNA Card with a 4.9% per annum (0.4034% monthly) for the life of the balance with a Minimum monthly payment of 1% of the Balance, what would the Monthly minimum payment be please? Also…
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Moving abroad
Hello I'm moving to Paris in the new few weeks to take up a new job there. I have about £10,000 in credit card debt at the moment and I am worried that I might miss payments while I am setting up an account there for my salary to be paid into and in turn transfer monies back to the UK. Should I discuss the situation with…
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Tesco fiaseco after changing payment date
Hi everyone I hope you can help me. In October I rang up Tesco credit card to change the payment date from the end of the month to the beginning. The adviser said that this would take a few months to complete but it could be achieved, the October statement was to be the same end of month date then November and December…
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Amex Cashback is this idea too good to be true?
Hey folks, I'm just after getting accepted to for an Amex Cashback Everyday Card with £3000 limit. The cashback facility is great but wondering will it work as follows. Basically, spend 3k, clear it , spend 3k and clear again - rinse and repeat. Can I do this multiple times in the same billing period to effectively spend…
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Moving money from a Credit Card after a refund.
Hi, We've recently sold our car and have had the insurance refunded to our credit card which is now approximately £500 in credit rather than debt. Is there some way to transfer that money back to our current account?
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Halifax Rewards Clarity Application
Hi there, I want to apply for the Halifax Rewards Clarity*. Which, apparently gives £5 a month cashback for every month you spend £300 on the card. I'm also confuse as when reading the Top Travel Credit Cards section I found the Halifax Clarity Mastercard with a link that takes me to the exact same webpage as the Halifax…
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Money transfers with Santander zero
I have a question which i'm hoping someone knows the answer to, don't really want to phone Santander as they'll want all my account details before they enter into conversation about it. I'm moving to North America and will need to transfer a reasonable amount of money, i'm aware of the peer to peer transfers and companies…
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Applied for one card but got another
I applied for the American Express Cashback Everyday User cashback card through the link from this site. This card has 21 months 0% and no annual fee, I was approved for a card but confirmation email says American Express Cashback Card which appears to be a different card (with annual fee). Is it possible or usual for this…
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Elderly dad's credit card habit
Hello everyone, I'm trying to lead my 71-year-old father out of a financial meltdown. He's never been great with money, and always spent beyond his means, and three years ago I thought I'd helped him sort out his finances after his marriage broke down. I got him to pay off high-rate CCs and thought he was bringing the rest…
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Balance transfer dangers
I recently acquired a Post Office Mastercard as I wanted to take advantage of the 0% APR for 24 months. I transferred my Balance from my Debenhams card when I applied for the Post Office Card using my Debenhams Card Number. It has been 10 days now. Post Office have sent me a letter to say that the balance has been…
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Section 75 claims where Sage is the middle agent
Hi, I have just had a Section 75 claim rejected by Santander. The reason is that the online retailer used Sage to collect the credit card payment. The consequence is that there is no direct link between me, the trader and Santander. Santander's credit agreement is with Sage and not the seller. I can understand that now but…
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Amex/Avios
Hello everyone, I'm new on here so please bear with me if this question has been asked before. I want to make a large purchase (buy a car) I'd like to use my BA Amex card to get Avios miles. Unfortunately most car dealers don't accept Amex. Balance transfers don't count towards Avios. I will also pay off the card straight…
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Section 75 claim for pet surgery?
Hi, We have a large breed of dog that is known for having breed related hip problems and so we insured the dog when we got him. He was diagnosed with hip dysplasia and it was managed for a couple of years prior to it being operated on. In the lead up to this, we saved the money to pay the difference between what insurance…
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barclaycard
I had a search and can't see this being mentioned-Many apologies if it has already been mentioned but Barclaycard are currently offering free credit score from Experian with their platinum visa credit card. (0% on purchases for 6months and 0% on balance transfers for 36 months).
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Post Office Credit Card failing to set up Direct Debit
I just sorted out 2 months of false charges from the Post Office. Having already set up the Direct Debit online I still received 2 letters detailing overdue charges for non payment. When queried they told me I had only set up the DD a fortnight ago which was incorrect as it was set up 2 months ago. I came across an article…
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If only Statement balance is greater than Credit limit will it harm my score in CRAs?
Hi. Does the Statement balance figure (but not the Account balance figure) makes any impact on scoring and lenders' decisions or not? On 7th of December when the bank month statement was generated and interest was added to the account I went over my limit. Few days later on 10th of December I made a payment and brought my…
