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Accepted for balance transfer cc but limit too low. Already typed in balances from ot
I was accepted for a balance transfer card (Barclaycard Platinum) and when I applied they asked for the balances I wanted to transfer which I typed in. (This is from 3 other cards) But a few days later the card came through which said credit limit is way lower than the amount I wanted to transfer and doesn't mention the…
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Amex application
Hi, My brother applied for Amex Rewards credit card yesterday around 10pm. The application was approved straight away. Do Amex confirmation emails anymore? He had no email so far with credit limit etc. Thanks
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Unplanned overdraft? help plz
Hello, I have a basic account in Lloyds Bank. At one time I had my balance 3.50 lbs. The next day I looked account and I was there 1,050 lbs. Can you tell me why? This is the unplanned overdraft? Can I use those money? What happens next if I use this money? I have normal work on contract Can I take to bank back this money…
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Virgin 0% transfer - 100% pre-approved but told to wait to hear?
Just applied for a Virgin card with 100% pre-approval from MSE, to do a balance transfer. I didn't get an immediate decision, is this a really bad sign? Never done a balance transfer before so a bit worried. Thanks for any help in advance!
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Consolidate Debt
Hello MSE users, I have an unsecured bank loan £1,645.17 @ 29.8% monthly payment £91.78 with 23 months to run. I have a Credit Card with a limit of £1,750.00 of which i've used £1,178.34 not sure of interest rate!! I am managing to make my payments and have never missed a payment. I would like to consolidate these two…
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Still getting Credit card applications to old address.
Hi I moved out of my parents house in February into my own house. I changed everything address wise and updates my address on the electoral roll. I was still getting "your approved" letters for Aqua etc to my parents house for some reason. Now my parents are moving and will be selling their house to someone who will let it…
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Almost xmas...snowball my cards.
Cap 1 259 30% min dd 9 Luma 257 31% min dd 9 Tesco 146 27% min dd 25 C+ 90 40% dd 15 Is there a king MSE'r who can snowball my cards to clear in 3 months and advise monthly and total amounts required, I'll reduce smoking to meet the payments.
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Travelex Supercard Cash Advance
I currently have a Barclaycard with available credit but no offers for money transfers to my bank. It has a purchase rate of 7.9% I would like to get a loan for around £3000 Would it be possible to apply for the Travelex Supercard and link my barclaycard to that, then withdraw £500 a day from an ATM? How would this work…
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Halifax Mastercard - A New Way To Calculate Interest Rate
Cannot trace this news on the forum, however, apologies if there is already a thread. Letter received from Halifax stating: We're changing the way we work out the interest rate on your Halifax Mastercard credit card. From 20th January 2017 your Standard Interest Rate will be linked to the Bank of England Base Rate. Your…
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Residential Status on Credit Card application
Hi. I wonder if anyone can help. I am a homeowner with a mortgage, but I don't live in that house - my ex-wife does. I live in privately rented accommodation. So, on credit card applications I am unsure whether to put "Homeowner" or "Private Tenant", as you could argue that both of these are true. I would be grateful for…
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Credit Card Account Closed and Increasing Interest Rate
Hi guys, I have a credit card account with the Co-Op and owe about £1100.00. They closed down my account two years ago as they considered I was high risk. I have always paid on time and have never defaulted on anything and thought fine as I hadn't used it for a while anyway. Since then they keep raising my interest rate on…
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Tesco Credit Card
I'm looking at buying a new laptop and I was thinking of getting a new credit card so I can pay it off monthly. As I do most of my shopping at Tesco, that was the card I was thinking of. However, I already have a Tesco Visa card. Does anyone know if I apply for a new one, will I still get the interest free period or should…
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Amex Platinum Chargecard questions
Hi there, I've been browsing these forums for answers regarding some doubts about this card but couldn't find a clear answer so I decided it'd justify opening a new thread... 1.- The AMEX Platinum chargecard offers loss and damage insurance for car rentals, but does it apply for all rental companies (that obviously accept…
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Fraud department want confirmation?
Hello, could someone help been on the phone to fraud department for an transaction which I haven't authorised and as most of my activity is through paypal they want me to call them to confirm they didn't authorise the transaction without my knowledge an without it being in my account activity even though the transaction…
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Overpayment of credit card limit
Hi I need a bit of advice I have a capital one credit with £200 limit on it I pay the balance in full every month by DD and today when I contacted Capital One they would not offer me a credit limit increase. I need £300 limit on this card to put down a deposit for a hire car (as they only will accept a credit card in my…
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Transferring loan to 0% credit card
I've got £8,000 left on a loan which I want to switch to a 0% credit card. I first assumed this would be as simple as a balance transfer but doing some research brings up different answers. Would it be classed as a balance transfer, purchase or money transfer to my bank account and then pay off the loan? Was looking at the…
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Transferring credit limit
Hello, I was wondering if anyone knew if MBNA would allow me to Open a 0% purchase CC and transfer the credit LIMIT from another MBNA 0% purchase CC that is about to end ? (The balance of this card would be cleared in full before I transferred the credit limit to the new CC.) Thanks, Dave
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unknown transaction on online statement?
Hello, was wondering if someone could help saw a pending transaction which i have not made on my capital one statement from (RDHTluckylottsonline) for £75 will be calling them tomorrow morning but was wondering if you guys had any experience of how to deal with this? Thanks in advanced.
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Barclaycard marketing info
For the past number of years, I've selected the option on online banking to receive marketing info by email/online. I still get them by post. Anybody in the same position as me?
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Balance transfers and minimum payments? Advice needed.
Hi folks, I'm new to the forum so please forgive me if I jump right in with a stupid question, here goes... I currently have a couple of dreadful, subprime credit cards on which I have run up balances that I am unable to pay off in full, so I have finally bitten the bullet and applied for a decent 0% balance transfer card…
