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Account activity on credit card
I have read that credit card accounts may be closed or their limits reduced if they are inactive over a period of time (6-12 months). What constitutes activity? Is it any activity on the account (only payments against a balance transfer, for example) or are regular purchases/further transfers required? Also, I had a…
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Do you consider credit card design when applying?
With all the posts on another thread regarding what the new Aqua Gold card looks like. How many of you consider the credit card design before deciding to make an application? When I apply I just look at the benefits on offer. The colour or design of the credit card is of no interest to me. Am I unusual in not caring what…
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close keep open?
So i had a capital one and aqua card to start building my credit rating being only 19, I was recently accepted for a much better card with natwest with 1500 limit. I also applied today for a mbna card today and was accepted with 1500 and 0% on purchases for 15/16 months. I closed the capital one and is now closed as i…
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Using a 0% purchases card to pay off vehicle loan
I'm pretty terrible with this stuff so please bear with me. I've recently purchased a vehicle using HP, and got a decent rate. On further research I realise I should probably have got a 0% credit card and it would have been cheaper. My HP agreement allows me to pay off the full balance for no charge, if I have the money.…
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Tesco Credit Card Question.
Hi, am looking for a new reward credit card and have a question about this one....am I right in assuming that to earn a clubcard point on purchases outside Tesco it means I only earn a point for each transaction (individual) that is over £8 and it doesn't mean that if I buy something in a shop for £3 and then something in…
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Using barclaycard platinum abroad
ACCORDING TO THE ARTICLE THAT HAS JUST APPEARED IN THE WEEKLY NEWS YOU CAN USE BARCLAYCARD PLATINUM VISA CARD TO GET CASH WITHDRAWALS WITH NO CHARGES. IF PAID IN FULL AT THE NEXT STATEMENT THEN THERE IS REFERENCE TO ATM WITHDRAWALS AT 27.9% I AM CONFUSED AS TO WHERE YOU WOULD GET A CASH WITHDRAWAL ONLY OVER THE BANK…
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Closing credit cards
Hi, I have two credit cards with Nil balance. I got them for the 0% interest a number of years ago and used them to pay off my debts which I did 2 years ago but they are still open. Do I close them? I am retired now and am only holding onto them "just in case" in need extra monies. The point is that obviously the 0%…
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Missed credit card payment - effect on credit rating
Hi I signed up for one of these Debenhams store cards to get 20% off some Christmas shopping in December. Received the bill and paid it in full before the due date. However, it appears that I entered the wrong reference number and the payment was bounced (I didn't notice the bounced payment). Spoke to their collection…
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Mastercard chargeback regulations
I used my mastercard to pay for a flight between Rio de Janeiro in brazil and Buenos Aires in Argentina. They lost my baggage. I have been seeking compensation, but it is difficult dealing with Brazilian airline and outside the UK I requested a chargeback for breach of contract, but my card provided refused saying "no…
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Which Credit card
Hi, new to the forum, thought I'd give it a go. Il wanting to knows which credit car don would need to get for my requirements . I have some money on my credit card, at say 30% APR, and I'm planning on getting back a new credit car s with 0% APR on balance transfers for 42 months etc. But I have a Loan which I got with a…
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Hsbc debit card declined
Good morning, Hope you are all well, im new to this site and not sure if i am posting in the correct thread. Just wondered if anybody had any advice.. i tried to use my Debit card yesterday a couple of times and it was declined, there is more than enough money in there. I then tried to see a balance at the ATM and withdraw…
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Offered credit increase
First let me explain, NB not a boast, that I have always paid my credit cards (ever since my first at age 19) in full every month, and have therefore never paid a penny interest. I use them as "debit cards" i.e. only spend what I have and use them for very short-term advances and primarily the perks, cashback, airmails etc…
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Credit card cash transfer
I have a question if you don't mind. I have a credit card with a high limit, they are offering me a cash transfer for 1.2% so my question is should I take the money out and put it into a 3-5% saving account then pay bank at the end with me keeping the interest?? Just don't know if I'm missing something. Thanks Andy.
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Credit Card Eligibility Checker
I have an interest free credit card which runs out in March with a £5.7k balance, I did the credit card eligibility checker and got a few which I am 100% eligible for. I am wondering if the credit limit is 100% guaranteed though? (As I don't want to apply for the 0% balance transfer if I cannot transfer the full amount).…
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Barclaycard Application Referred...
Applied for my first Barclaycard today, and it's been referred. Was just wondering if anyone had an idea of whether it's likely to go through? I'm 21, have a phone contract in my name and have had interest free credit before for £1000 which was cleared about a year ago. I checked my credit score on a Experian which was 993…
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Credit Utilisation/Limit ratio question
Hi all, I had a search but couldn't find a specific answer amongst all the threads for the particular query. I understand that your indebtedness and amount of credit you are using in relation to the amount of credit available is a significant factor in how you are viewed by lenders. However, is this viewed on an account to…
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Tesco Bank refusing refund
I booked using Tesco credit card £600 as deposit but Tesco are refusing to deal with the claim without an invoice and have referred me to ATOL - my memo to ATOL shown below but I feel I am just going through the motions - Tesco know to whom it was paid and I believe are being difficult: I originally made a claim to Tesco…
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Cards for low earners
Hi everyone A friend of mine is trapped by 2 credit cards - Vanquis and Aqua. She is up to her limit on both and the interest being charged is horrendous - for example if she makes a payment of £175 her balance only goes down by £50. In total on both cards she owes £7000. She doesnt earn much (just £6500) but I need to…
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How much would my credit score improve if I paid a credit card off
Hi I've got a really poor credit rating and currently in a dmp but one of the creditors barclaycard have refused to renew the dmp, they've kept the interest frozen but are marking my file as missed payments and could potentially result in a default which will probably completely wipe out my credit score. With Experian it…
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Credit Card Debt Help Needed
My mother has around £1107 worth of debt on a TSB credit card. She used the card to make purchases prior to being retired. Now she is retired, she is trying to pay off the balance using only the govt pension she receives (she has no savings or any other income) but is racking up interest charges every month. She can only…
