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Chance of being accepted for Amex upgrade to Platinum?
My income is around £28k. My wife's income is around £14k. I have the PRG card and put about an average of about £3k/month through it (much of this is business expense). I've had the PRG for just over a year and had the Green card for about a year before that. Checking my "spending power" on the Amex site suggests that my…
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0% balance transfer card
Hi, I'm new to the forum and would like some advise. I've completed the MSE balance transfer eligibility calculator and am pre-approved at 100% for several 0% balance transfer cards with long 0% terms. I'm looking to transfer approx. £9k from 2 existing credit cards. How do I know which to apply for as I'm concerned if the…
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Amount We Owe You?
Under the heading 'Your Cashback Summary' it says "Amount We Owe You." What exactly is this? I'm not aware my credit card company have ever given me back cash but I might be mistaken. Thank you
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CashPlus prepaid MasterCard
I've recently started a new job where we are reimbursed retrospectively for expenses, as opposed to using a company credit card. I don't have a credit card of my own available to use due to adverse history so I was thinking of using a prepaid CashPlus card? Apparently it helps to improve your file and I'm not getting into…
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Possible To Claim For Goods Not Received?
Hi, I am looking for some advice please. During October 2015 I backed a project via Indiegogo to create a camera stabiliser for a GoPro. The estimated delivery date was March 2016 but there were delays and the product wasn't delivered. Subsequently I heard that some people received the product but were unhappy with the…
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Apply before name change or after?
I'm thinking about changing credit card, since they have taken away the monthly reward on the Halifax card, but am getting married in April. I usually make sure I open any accounts before I move house because I know that messes up your credit rating for a few months but will changing my name have an effect on my credit…
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Balance Transfer Question
Hi, Can anyone see there being a problem with the following idea... Card A is coming to its 0% period end and has a balance left i want to balance transfer to card B (a different company.) This card gets closed after balance transfer is made to card B. Card B - different company to card A, with a 0% balance transfer period…
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help
My sister has some debt and I'm trying to help her repay by getting her to transfer her balance to a 0% interest card, however we need to find one that will accept Disability Living Allowance as income. Apparently there are some out there but we cant find them. Can anyone help with this please thanks
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Faulty Laptop
I bought a new laptop in Sept 2016 from a UK retailer - now the battery is not working and can only use the laptop from the mains. The retailer told me to contact the manufacturer, the manufacturer said it could be a faulty battery or a BIOS problem or some other problem which has caused the battery to stop functioning and…
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Credit card overpayment
I was wondering if somebody a bit more credit-card savvy could help me out? The following is my most recent credit card statement summary: Credit Limit £4,800.00 Current balance £198.04 Available credit £4,601.96 Cash available £4,286.40 Amount overlimit £0.00 The balance appears to indicate that I have overpaid by…
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Is it worth leaving Santander 123 CC?
I'm not a high-effort stoozer so I would only change CC if it's really worth it, not just for a short-term benefit. Or having lots of CCs for different purchases. Most gain for minimum effort! I'm with 1-2-3 for my bank and CC and really like the card. Except now they've capped the cashback you can earn to a maximum of £9,…
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Virgin CC how long to wait for acceptance/rejection
Last Friday evening (13/01/17) I applied online for a Virgin Money CC - 0% purchase for 25 months. I used the credit card matcher here first and was given a 95% chance of success. Last Saturday (14/01/17) I received an email thanking me for applying and that Virgin Money were considering my application. On Wednesday…
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AMEX British Airways - Direct Debit
Hi All, I just activated my new BA credit card, and tried to set up the direct debit. Note that this is my first CC, after 10 years of thinking of getting one.. As soon as set up the direct debit, I was shown this message: "Please note: Your Direct Debit will not take effect until after your next statement is generated on…
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Expired Prepaid Visa Card Citibank
As per title, do I have any come back against Citibank who have effectively taken the £40 credit left on a prepaid Visa card, the expiry on the card was indeed 12/16 and having just signed up to online registration I can see that they took the £40 on the 14th January 17. This is a Nikon cashback promotion cash-back card…
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Am I able to balance transfer to more than one card? [Split Thread]
Not sure if I'm in the right place and I can't seem to figure out how to start a new post so apologies in advance but of someone could help with my query it would be much appreciated. What I'd like to know is, am I able to balance transfer to more than one card? I only hold one credit card but the interest is ridiculous.…
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Marks & Spencer
I applied and received a M&S credit card. Getting it started took four weeks and three passwords and two phone calls. I spoke to an M&S bank assistant about the promised £30 voucher and she pulled a face saying, we don't do that. Two months on there is still no £30 voucher and no response to an email sent four weeks ago.…
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MBNA 2 cards/credit Reallocation
Hi, I have 1 MBNA credit card which is coming to the end of its 0% period. I would like to shift the balance remaining on this card by balance transfer to my Santander credit card. I would then like to open a 2nd MBNA credit card and re allocate the credit limit from the exisiting MBNA to the new MBNA card. Then I would…
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Balance transfer with previously declined card...
So, Martin went on GMB in January and told us all to transfer our cards to a 0% interest card. I, obediently, went on a checker thing and found a card with Tescos that was 90% certain I would get. Great (I thought), but not really...they declined me!! They said they didn't think I could afford more credit! I don't want…
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Pre-approved offers
I was wondering if anyone else had had a similar problem with a credit card pre-approved offer? After selecting the offer through the MSE Credit Club I was redirected to the providers website. Here I received confirmation that I had been pre-approved so I provided the details requested and submitted . To my surprise a…
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Balance Transfers
I have recently done a balance of transfer from one credit card to another, it was a part balance ie 98 % leaving about £60 to pay. I am being told by the card company (old card) that paying one credit card from another is illegal ? I explained it was a legal balance transfer ! they then replied you can only transfer the…
