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closing a 123 credit card
Hi I'm planning to take out an Amex card as the new caps on the 123 credit card now mean I will earn little to no cashback. What is the correct procedure for closing my 123 card? I have a linked 123 current account which I will be keeping. Obviously I will stop using the credit card now, should I pay the outstanding…
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When do you make & switch?
How and when do you switch from an "adverse/poor" credit card provider, to a "mainstream" card provider. How do you know and how good are eligibility calculators? If a credit score is never to be believed.
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Natwest soft search dilemma
Short version: The other day I logged into my Natwest account and saw a message that read "You have a good chance of being accepted for a Reward credit card with a limit of £1,200.". Which is fortunate because I've been looking to get a credit card recently to rebuild my credit and this card had a horrible rate so perhaps…
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Balance transfer help for contractor
Hi, I am currently looking into getting another 0% balance transfer card after my old deal ran its course. Unfortunately, I'm in a strange situation as I'm a contractor who works under an umbrella company. However, I haven't had a contract for over 6 months due to travelling. Therefore, I am unsure as what to put in terms…
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Atlas choice and credit card
Hi My husband paid for car rental in Italy last year through Atlas Choice. We hired the car and returned home. He has just received an email from the car hire company - Nolegiarre - that Atlas Choice have not paid them and that they are now going to charge us on our credit card directly. Can anyone please advise us what to…
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Balance Transfer Vanquis to Sainsburys
Hi all, I have applied and been accepted for a Sainsbury's Bank CC. 42 Months 0%. This morning having rung Sainsbury's at their request to arrange balance transfer from Vanquis, I have been informed they are unable to process as they only do 'Faster Payments', Vanquis currently ( and rather conveniently) do not accept…
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Does the snowball calculator still exist?
I am trying to work out which cards to pay the most off based on my card, my hubbys card and 2 store cards. I want to set a fixed amount each month but want to know the quickest way to clear them and im sure there used to be a tool called The snowball calculator" that used to work it all out when you put in your cards and…
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Improving my chances of getting my first credit card
Hi, I'm looking to get my first credit card and want to improve my chances before applying (I was preapproved through the eligibility checker for a card previously but didn't go through with it and hoping to get a similar deal) I am about to sign onto the electoral roll as I have heard that it improves the chances. I have…
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Credit Card Application Error?
I need to transfer my existing c/c debt on a 0% which is ending onto a new 0% card. I checked with the eligibility calculator then went with a card that said it was supplied by mastercard avoiding all that said MBNA - mine is MBNA so i applied, got the card only to be told when i went to do the balance transfer that you…
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MBNA - Unable to download CC PDF statement?
As title really. Anyone else? Can view the HTML version of my January card statement online but trying to download the PDF states they have a server error. Thought I'd see if anyone else has this issue before ringing.
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Positive balance vs credit score
Hi MSE people - interested in your thoughts on this ... Will leaving a positive balance in credit card accounts affect credit scores? I may have heard that, counter intuitively it can actually count negatively for your credit score. Can anyone confirm this? I'm a little bit miffed that my Experian Credit score has dropped…
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Paying off Amex with Tesco debit card
I recently opened a Tesco current account, on advice from this forum, to use as a savings account. Glad I did it. I didn't consider using it for anything else as I'm happy with First Direct - but they pay 1 Clubcard point for every £8 spent with the debit card. Does anyone use a Tesco debit card to pay off their credit…
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[Items on finance when stolen] Barclays Partner Finance & Apple
Hello, Please can someone confirm that if you have an item on credit (in this case a macbook on Barclays Partnership Finance through the shop) - if its stolen, the loss is equally that of the credit provider. I believe its something to do with credit protection? As under the consumer Credit Act. Under Section 75 of this…
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Can I claim money back
Thank you for reading my post. I recently bought a scuba drysuit in person, off a limited retail shop. At the time of purchase it seems the retailer put the transaction through PayPal first. This was not told to me. I left the suit to be altered free of charge as it was slightly too big. After a broken promise of getting…
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Amex monthly bills (cutback question)
Hi Guys Quick question . . have recently starting using an Amex cashback card (no fee) which will be paid in full every statement. If I use the card to pay Vodafone bill, Netflix, Apple etc instead of using direct debit or debit card, will I still earn cashback - do they count as "purchases". Thanks in advance!
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Multiple APCOA fines
Hello, I am in a real pickle with APCOA. I received 8 separate parking fines from the post(All posted on the same day). I parked at the Slough train station on a number of occasions after receiving bad advice from a friend. I was under the assumption, they would leave a ticket on your vehicle. Some 20 days letters, eight…
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Barclaycard Statments Protection - limiting usefullness
I used to be able to copy text in Barclaycard Statements PDF's - I probably used to used t simply "Print to PDF", from the website using Chrome and/or a PDF Printer (Driver) - so the generated PDF generally had no security password/set. The Barclaycard website now, however, allows you to download PDF Statements - however,…
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How quickly do I need to repay overdraft?
Sorry this is the credit card forum but I can't see a forum for debit cards. I have a question about going into my overdraft. I use it quite a lot but I have a lot of money needing to be paid in the next couple months. What happens if I keep using my overdraft? What if I stay in it for too long? Up until now I've been…
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axa Sunlife 15 years plan
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Transffering OS Balances
Whats the longest period of time - years that you have transfered balances ie useds a BT card for 24 months then transfered the os to another card for an extended period of time or is there a limit that you stick to to get the amount paid off.