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Student with first credit card - how much of my credit limit should I spend?
Hi MSE I'm a student that got my first credit card with HSBC, they gave it to me along with my student bank account. The credit limit is £500. I've been using this credit card to gain a credit history. Every month I've been spending on my credit card, and paying it off in full. How much of my credit limit should I be…
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Refund on credit card
Bought some goods on credit card. Cost about £3000. Paid off my credit card in full at end of month. I found out the goods were faulty and the company refuse to take it back. If I go through my Credit card company to reclaim will they refund my card or give me cash back? I've now balanced transferred onto that card but I…
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First Credit card - help please
Hey, So I've watched my spending for over a year and I think it is safe to say that I have good spending habits meaning I can trust myself with a credit card! I also want to improve my credit rating which is quite good. So I have a yearly membership for my job and if you pay monthly they are now charging you a 0.25p…
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Capital One closing outsourced call center in Newcastle
Just heard that cap 1 r closing their call center in Newcastle n moving to india. In the last 12 months I have had my cashback gone my free credit check gone and now i will not be able to speak to an agent where we both understand each other :mad: what are cap 1 playing at?
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Balance Transfer Card - Need to know credit limit likely to obtain
Hi all, I've got approx £9k that I have on a zero percent card, in 3 months the rate ends and I want to shift it to a new card. I am currently saving £300 PM into a high interest account that I will eventually use to clear this, but it will take a bit of time and will need one or two card shifts I believe. I am looking now…
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Goods bought online not delivered - Paid on credit card
Short Question Can I seek a refund from my credit card company for items that haven't turned up? Would this be under Section 75? Long Question I ordered a new guest bed from beds.co.uk last week. We need it for this coming weekend as we have people coming over to stay in our new house. Beds.co.uk require that you book a…
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Need help/advice here about section 75
We bought a laptop through the site ultraboooks.com a year and a half ago, that cost 2000 pounds, we paid on credit card to be safe, we recieved it promptly and were pleased until it completely broke, this is the second time we have had faults and decided to try and get our money back througha section 75 claim as the site…
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Nationwide Credit cards to gain contactless
I noticed that Apple pay is enabled on nationwide credit cards. Recent Android pay announcement says it will be available on "eligible nationwide debit cards". I wen and asked via online message whether physical contactless technology will be enabled, and I have received a response back: Thanks for your recent message. I…
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Cancelled trip in Mexico booked with Thomsons
Hi to everyone, I'm a newbie to the forum and have a question for you. Recently my wife and l went on holiday to Mexico for our birthdays, the big 50 for the missus. We arrived on the 21st Feb for two weeks, we had a fantastic time and holiday. I'll try to keep it to the barefacts, 1. On 22 Feb 16, We paid £577.28…
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Can I have 2 credit cards from Virgin, Bcard.... within 6 months
Just a quick one for the credit card gurus out there. Can I have 2 cards from Virgin, Halifax, Santander, Tesco within 6 months of closing an existing card. Especially interested in Virgin as I have a £5k credit limit on a current card with a zero balance. I really like the look of their new All Round card.
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Negotiating Settlement Figure
Hello Wonder if anyone can advise. My partner lost his job in January. We have four credit cards and have always maintained at least minimum payment up to that time. Due to loss of job we are in a mess now financially. Our outgoings exceed our incomings!! At the moment our son is temp living with us while he waits to…
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Luma Initial Limit
Considering purchasing a 4k t.v. 1 option maybe to apply for a Luma purchase card. 0% 3mths. Are all new Luma card limits at the 200 limit?
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Will I get Santander 123 cashback paying at Tesco with PayQwic?
Hi MSE Forum users, I wonder if anyone can help me. I'm a Santander 123 Credit Card user and currently receie 1% cashback on all my supermarket spend. I've recently been asked by Tesco to trial their new PayQwic app, which allows you to use your phone to pay for your shopping (and collect clubcard points) in store. What I…
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Silly me! BT and Purchases
I read a thread today that explained why you shouldn't spend on a Balance transfer card if the purchase offer wasn't the same length. Well unfortunately I read that after the event.... I have an MBNA card where I have transfered 2287.89 (inc fee) at 0% for 18 months I stupidly put an emergency £59 on it. Standard rate is…
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Natwest Card Fraud Refund Issues
On 14th March, I received a letter from Nat West Fraud department asking me to check the recent transactions on my credit card. I hadn't used the card for nearly a year so I was immediately concerned by the letter and sure enough I logged into my account and found two transactions (19th Feb & 26th Feb) which I didn't…
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Money transfer offer from credit card
Hi - A quick question. I have a credit card that is offering me 0% interest till January 2017 (1.9% fee) for a money transfer. I need some money to pay for some work to my house and was going to use my bank overdraft. Is going for the money transfer option a better way and is this like a payday loan (that would effect your…
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Credit Card Debt Best Option??
Hi I have approx. £8500 over two credit cards. I haven't paid them off by the time my initial offers expired, and as such I am not paying £30 interest each month. I am in a fortunate position where I have no mortgage or other loans but I have switched credit cards 5 or 6 times so not sure how often I can do this. What is…
