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problems starting a section 75 - Help needed
Hi All, A couple months ago, I went into UPS website and scheduled to have 4 parcels posted back to the UK on my return from holiday. I got the online quotes based on package size and weight, and proceeded to payment as usual. Was given the online receipts and didn't though much of it. Problems came when I checked my card,…
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Halifax Clarity card withdrawals
I have a Halifax Clarity Credit card and am soon going on Holiday to Thailand. Is it bad to withdraw money from an ATM using this card? I dont want a bad credit rating but also dont want to have to rely on taking loads of physical cash for places that charge a crazy fee for credit cards or dont accept cards e.g street…
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Best Credit Card for booking flights etc and being insured
Hi Guys I havent had a credit card for nearly 16 years as ive been trying to avoid in order to get debt free which I almost am. But I do know credit cards are a good thing when buying things and being covered e.g. plane tickets I also remember my dad buying an engine and because it was dodgey and the seller said it wasnt…
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More than 2 Tesco cards?
Hi Has anyone managed to get 3 Tesco Credit cards? I have 2 already on good deals and want a third for balance transfer and money transfer. Under the FAQs on the website it states: Yes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an…
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Amex gold payment dates
Sorry if this has been posted before. First Amex gold statement on 24/3. Says payment must be received by 7/4. I always thought you had 30 days to pay the bill not 14 and also in the t&c it says late payment fee is only given when not paid within 30days. Can someone confirm please.
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Vanquis Hell
Hi, I made a big mistake after my IVA was cleared 7 years ago, I got a Vanquis credit card. I also split up with my wife 5 years ago, although it kind of started to fall apart 7 years ago. So I was on a slippery slope. I now owe £4,000. I do have a decent paid job, but I am just paying the minimum each month, plus I didn't…
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Balance transfer deals -order of payment allocation
I have a Lloyds credit card on which I have a number of 0% balance transfer deals running. I have recently opened another 0% balance transfer card and was going to shift some of the Lloyds debt to the new card in order to maximise the 0% period. I assumed that the money paid into the Lloyds card from the new lender would…
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Balance Transfer Credit Card Options with zero income!
Hi all, I gave up work last year to become a full time mother. My husband's income is relatively high and therefore enough to cover all our monthly outgoings including mortgage etc. I have around £6000 of credit card debit across two cards which I am paying interest on every month currently. I'm keen to balance transfer…
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Prepaid cards Euro & Toll
I live in Spain and had a FairFX card for many years prior to my move from UK. They don't allow foreign addresses on their cards so I am looking for a new one. I will be travelling in Europe so it will be a Euro card I need. Does anyone know of a Prepaid card that allows European addresses? Another point. I have been…
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M&S Credit Card
Hi, About 3 months ago I took out a M&S credit card (Just to get the free £30 and the £5 voucher) I have received the £30 voucher from them but I am still waiting for the £5 voucher. Does it come through automatically or do I have to claim it? Thanks for any help
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Apply for new card or ask for increase?
Just looking for some advice, I have a virgin card with £3500 limit I don't think they did a credit search for this as I can't see it on my file, at the same time I applied for barclaycard and received a £5000 limit, these I can see did do a search. We're getting married in June and could just do with a little more maybe…
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Balance Transfer Question
Hi Guys, Probably a really stupid question but here goes. So my girlfriend done a 0% balance transfer around 15 months ago, still running until Dec 2018, but a few big expenses came around and she used her card to pay for these. What I'm wondering is: would it be better to just do another balance transfer to another 0%…
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Confused by credit cards..
I have a credit card with santander, who I've been banking with since they were Abbey National, but my 0% interest on purchases is now up, so I'm looking at getting a new credit card to balance transfer to (and obviously to use, but only for 1 large purchase a year). So far, I've been offered £3000 less than my current…
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Sainsburs 0% fee and 0% balance transfer
Hello Has anyone applied for the Sainsbury's 0% on balance transfers and 0% fee (well 3% fee but they refund it)? I applied online and got no email acknowledging application.... has anyone applied successfully? did stuff come through the post or were you told immediately if accepted? Thanks in advance
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How Long After Hotel Stay Can My debit Card Be Charged?
Hi all; I have received an email from a hotel I stayed in during August 2015, yes 2015! saying there was an error with the payment system at the hotel and some authorised payments were never received and mine was one of the affected charges. I have checked my records and can find the invoice, but no matching debit from my…
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New credit card - advice sought
Hi I applied for a MBNA 0% credit card to clear my current Lloyds one. Unfortunately the credit limit that they have given me will not cover the existing Lloyds one. Is it worth transferring over some of the Lloyds card which I can then pay on a 0% repayment and then the balance at the current rate? Any advice would be…
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Will anyone let the unemployed have a credit card.
I'm unemployed (well on ESA) I have a £500 overdraft which I pay 25% on. This is the only debt I have, no credit cards, no mortgage (rent). I'm hoping to pay the overdraft off within a year. The problem is the interest will be say £100. Is there a 0% say for a year on purchases credit card that I can use to effectively…
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Banco Santander Zero card declined abroad
I have held a Zero card for many years, dating right back to the era of Abbey National, and have only ever used it abroad. Last month, for the very first time, they blocked a transaction while abroad in spite of having authorised a transaction in the same country the previous week. I have always believed, and am sure I…
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Mis sold credit card?
Ok... I will try to cut a long story short here :mad: I have had a Halifax credit card for a number of years. £7.5k limit and zero balance. Kept open as I believe it is seen as a positive marker to have held accounts for a period of time. I also have a Barclaycard (£5k balance) which is on 0% interest about to expire. Will…
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0% balance transfer advice
Hi, I had recently applied for a 0% balance transfer credit card that uswitch said I was 95% likely to be accepted for. I was turned down. I'm just trying to figure out why. I have a large overdraft of £2800 that I use to the full every single month. Could this have prevented me from being accepted? I have been loaned…
