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Appeal results with Amex after decline?
Hello guys, I would like to ask you if anyone has got a successful appeal after a decline with Amex cards? I applied recently for the British Airways card and I called this morning to find out if accepted and the agent told me due to internal scoring I was declined. At the moment I have two current accounts…
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Loan to BT card
I am new to all this so patience please. I have a Zopa loan and a card balance on a Barclaycard. Paying interest on both. Checked eligibility on your site and got very good result. Question is can I transfers the Zopa loan to a new card along with existing card balance or should I pay off the loan first with the existing…
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Best card to buy New York passes
Hi am looking to see what is the best way to buy New York passes?? I take it would be with one of the foreign credit cards?? I am looking to buy them online before I travel to New York the site I am looking at is selling them in dollars Thanks
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Interest Charges on CC thats paid off
I have just paid off my CC that was over 8K which is fine but I have had a statement today trying to charge me another £96.00 in interest charges, can the company do this? and if so is there anything I can do about this, they advised that this is called 'residual interest' any advise or help would be good I have waited a…
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Baffled With Creation
Hello All, I was wondering if anyone knows if it is possible to merge Creation accounts? I have asked customer service but know one seems to know. They are very strange as I have never been given a credit limit increase despite asking and running my accounts all in good order, however they will always happily open me…
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Aqua Card
Anyone else have trouble using their aqua card contactless, I always seem to have problems at Morrisons and a few other places here and there
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Credit Card Advice.
Hello! First post so please be kind! I have searched and read a few threads, just wanted to bounce this idea off someone before making a decision. I have a few expensive purchases to make ( approx 4-5K) in the next 2 months , as well as a long haul flight in later in the year. I have the money in savings to pay for the…
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"Lloyds Credit Card Payment" for Halifax Mastercard? From Savings Account?
My mum banks with Halifax, as well as she has one or two savings accounts with them. She previously had a credit card with them that she is still paying off. I think it was the Halifax One card. She's started saving up recently in her savings account, and she logged in yesterday to find that £21 was missing from her…
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Credit card eligibility checker - inconsistent results?
Hi all, I am investigating a new balance transfer credit card. Last week, I used the MSE eligibility checker and it said I was pre-approved (100% chance) of getting the Virgin Money 0% fee balance transfer card. I have come back to it tonight, intending to apply, and the approval chance has moved from pre-approved to 95%.…
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The old Santander 123 cashback limits?
All i can find is the new limits even though they're not in force yet, such as 3% on fuel but only up to a £100 spend. That can't be the case since last month's statement has my 3% earnings down as £3.97. So is there currently a limit on fuel earnings before the changes come in place? I'm going to close my account early…
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0% Balance / Purchase cards.
Hello, If you have a card that has both 0% purchases and 0% balance transfers (varying times) - is it okay to spend on the card, once a balance has been transferred to it? Do the minimum payments pay that balance off first, as it will be the one which accrues interest first? 21 months BT / 6 months purchases. Thanks for…
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Responsible for expat brother's CC debts?
We recently agreed with my 69 year old brother-in-law to provide a forwarding address for him. He moved to the Philippines about 18 months ago - no residency status but spends 95% of his time there. A credit card statement arrived for him last week with 2 worrying features: 1) it was just addressed to him at our address -…
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Should i apply for 0% transfer credit card?
Hello All. This is my first post on MSE. I have just received a Decision in Principle from my bank (which is great!) but I now want to apply for a 0% transfer credit card to clear my current card to help me pay this off quicker. As this will incur another credit check on my file, I was wondering if I should do this now…
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0% card - amount not length
Hi, I'm looking to purchase a new (to me) car and set repayments over 18 months. The car will cost £10k and I will take on about £5k debt to fund it (the rest is savings and money from part-exing my current car). I've seen there are a few 0% card offers on here, most offering longer terms than I need. But I'd hate to pick…
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First credit card advice
Hi, I have recently started my first full time job earning around 16k and want to take out a credit card for purchases. I have used Experian which gave me a credit score of 910 which I presume has been built up from my mobile contract and some subscriptions. It also says I have a 9.5/10 chance of being accepted for a…
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Credit card help please
Total newby, haven't got a clue about credit cards and after some advice please. I've just taken out a balance transfer card with Barclay card. 32 month platinum balance transfer card. I have transferred £3751 from an existing card to the new Barclaycard. Can someone please tell me what the minimum repayments will be on…
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Credit cards abroad
Just to clarify from the latest mail which says: "Barclaycard Platinum Visa has no exchange fees till 31 Aug 2018 and it doesn't charge a cash withdrawal fee or interest on overseas (not UK) withdrawals if I pay my bill IN FULL (14.9% rep APR on spending) " Not quite right - I have checked with Barclaycard. The card which…
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Credit Card for first timer
Hi all I'm wondering, what card should I apply for, for my first card? I'm 20 year old so have little credit and I'm more than likely not going to get a 0% card, so would like an idea of what I could apply for please
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Capital One late payment charges
Hi I'm just wondering if someone can help with this please? I've got a low spend limit on a Capital One credit card £200, as I needed a safety buffer leading up to Christmas. I got the card in November and spent some money on it, then thought I'll pay a fiver off it before my first statement was due in December. I received…
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Halifax credit card payment dispute
Hello Newbie in need of help please. I bought a second hand car from a local garage for £7000 which was advertised as 'in showroom condition' and 'in the excellent condition' and with 'full service history'. Turns out the car is none of the above and to top it all I contacted the previous owner and he confirmed that…
