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Card exchange
Hi, I have a Sainsbury's card I do not use, it was a 0% that I used and paid off in full before the end of the 0% offer. Sainsbury's have a new card at present 0% for 27 months and you can do a balance transfer at 0%. What are my chances of getting Sainsbury's to change my unused card for the new purchase card, I have sent…
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Which credit card should I get for earning free flights?
I'm not a frequent flyer never use credit cards before, Would like to get a card where I can earn points and use it when ever I want and no expiry date of when I have to use those points. Are there any of those types of credit cards?
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Formal demand for payment..
Hello again. Ok, so further to my conversation with the Lloyds Bank collections department a month ago, I have now just got another letter dated 11th Jan asking for full payment of my credit card balance. I said to lloyds about 5 months ago that I could not afford to pay it off and they asked if I would like them to…
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Best Credit Card reward deals
Hi All I have a personal credit card which i use for company expenses, Petrol, entertaining, running of car etc. These are re-imbursed by my company 10 days after i put a claim in. I end up spending between £200-£500 a month. It would make sense i get some sort of benefit from doing this whether it be clubcard…
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Refund Missing - Credit Card Not helping.
Hi Folks, I bought tickets on a credit card in August. In october i paid off and cancelled the credit cards. I had to cancel the tickets and the ticketing company have issued a refund, I explained to the ticketing company that I cancelled the card and they said, they should be able to refund it, they would provide me with…
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Virgin Money to MBNA More Rewards Balance Transfer
Hi all, just after some help and guidance from any previous experiences. I've opened a Virgin Money 0% Fee Balance Transfer card to transfer £3500 balance from my MBNA More Rewards Amex/Visa card. Everything that has happened so far is leading me not to trust anything Virgin tell me so hence me posting. On the original…
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Section 75 or financial ombudsman
Hi I have bought two bridesmaid dresses via an online dress company 'Joanne's Dresses'. They arrived a different shade to what I have ordered and I am having trouble in getting a returns address. I have today been on the website and it says Error 404 Not found Should I try a section 75 or financial ombudsman to get my…
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Next credit limit
I currently have a limit of £600 and haven't even got up to £100 yet. When I checked my statement they are now offering to increase my limit to £1,500. I'm not sure if I should increase it or just leave it. Any advice plewse
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First time credit card - help needed!
Hi, I was looking for some advice around getting my first credit card. I am looking to use it to buy some flights this year and pay for my car insurance, but also looking to starting building my credit history as I am saving for a house. I am 27 years old and have never had a credit card as have never felt the need for one…
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Getting a card for the first time
Hi, I need some help!! I have never had a credit card and I have applied twice and been rejected by my own bank! I have no debt only my student loan that comes straight out of my wage, I am a professional so on a decent wage and my bank sees that each month, I only have a £500 over draft which I never use and I have…
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How long for mbna transfer to happen?
I applied for the mbna 43month transfer offer. I was 100% pre approved and arranged for some transfers at the time of application. This was 7 working days ago. 9 actual days... Since then I've heard nothing. I've not had my card through, no literature from them, and the transfers haven't gone through. Has anybody else…
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Landline a requirement for credit card application?
Just tried to apply for a Barclaycard travel-friendly Visa from the MSE best buys. Didn't get any further than the home phone number field as I don't have one and it's a mandatory field. Are they all like this?
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Debenhams (New Day) Cancelling Old Direct Debit Warning
Hi All Just a word of warning to check you still have an active direct debit in place with Debenhams (New Day) if you cancel an old direct debit mandate. I could be the only person who has suffered this and I have raised it as a complaint but wanted to give people a heads up in case you went through this specific scenario.…
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Shredding CC receipts: Yes or No?
What's the opinion on here about shredding CC receipts? My OH just throws hers away but I'm all for shredding anything with a slightest reference to a CC or Debit card number on it. Maybe I'm just paranoid, but even the last 4 digits of a number shown on a receipt bothers me - can anyone confirm or deny that it is possible…
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Balance transfer wrong number HSBC
Hi I was wondering if anyone could give some advice. I have looked for a thread on this but I can only find ones relating to bank transfers. I recently got a 0% credit card from HSBC. I went into my local branch on the 28th of December to make 6 balance transfers (totaling around £5,300) from other cards onto my HSBC card.…
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MSE News: Tesco Bank credit card-holders stung with unexpected charges after...
A '0% interest on purchases' offer for Tesco Bank credit card-holders in the run-up to Christmas has left many "furious" after they were asked to pay unexpected interest charges...Read the full story: 'Tesco Bank credit card-holders stung with unexpected charges after being caught out by '0% interest' offer Click reply…
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How many Freedom points do I get for spending at Barclaycard Freedom Partners?
Is it three points per pound? I know it's two points for every pound at supermarkets and fuel stations, as well as Transport for London. And one point everywhere else. I'm sure I once read that it's three at their Freedom partners but now I'm debating whether I've read this wrong or not?
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Barclaycard overseas spending
Hi guys, If I go for 0% spending barclaycard will I also get overseas spending fee free, or not necessarily!! Mike
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HSBC Credit Card
I recently applied for an HSBC Debt Shift Credit Card because MSE Credit Club gave me an 80% chance of being accepted. HSBC called today to discuss the application but I couldn't talk so she said she would send me some correspondence. She wouldn't let me know over the phone without having the entire conversation whether…
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PPI Claims - claiming interest
Hopefully I'm at the right place for advice :) So, I discovered that I had PPI products on a couple of my credit cards years ago. I followed Martin's instructions and got back the premiums that I had paid, which was great. Then, out of the blue, before Christmas RBS wrote to me to say there was a mis-calculation and they…
