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Missed card payment due to fathers death
Hi guys. My father passed away on the 5th April and in all the running around and attempting to sort out his affairs I inadvertently didn't pay that month's credit card installment. When I realised the following day I made the payment. Do I have grounds to ask the credit card company to refrain from putting that black mark…
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Help with PayPal Credit
Hi folks, I've got myself into a bit of bother and could do with some advice- I recently made a purchase on PayPal credit for a new computer stupidly thinking I could then transfer the balance to my TSB balance transfer card but it seems PayPal credit don't accept balance transfers. Does anybody know of a good way to get…
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Would I get charged interest taking cash out of ATM?? Advice needed...
Hi all, After a bit of advice... I want to buy something off a friend, using my credit card (£1,500ish). My card has an interest free offer on purchases for 24 months, so a long time to pay it off. What's the best way to get the money to him? Am I right in thinking that if I withdrew the cash from an ATM (over a few days),…
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Classed as purchase or transfer?
So I took out finance with Barclays via Anglian Windows last year, as we had no choice but to take then out on finance. So sat down with advisor during a mortgage review, and was reccomened to take out a 0% credit card to pay off the loan. Which with the money saved from new mortgage deal, and new house insurance I've…
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Tesco Bank have changed their details
Don't know if anyone's noticed (I hadn't), but Tesco Bank have changed their own bank account details for payments. I had two months where the direct debit on my Clubcard Credit Card bounced back, neither Tesco nor my own bank (Barclays) could explain it (the DD was active and there were sufficient funds), so I made the…
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how quick do virgin money send out cards?
So I applied and got instant approved for a 0% BT virgin money card sunday 14th. Within a day I had an account setup as I got a text mentioning a balance transfer was initiated and I needed to approve, and the text also shown last 4 digits of card so I also had a credit card number at that point. Tesco credit card show my…
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Lloyds: I need a PIN reminder
Hi all, Ive forgotten my PIN, so I logged into my Lloyds account and went to "Order replacement card/PIN". The screen says "... Please note: If you are ordering a PIN only it will need to be ‘Activated’ using your existing card at a UK/British Isles cash machine before being used." Does this mean Ill need to order a new…
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Capital One Card
I am looking to increase my Credit Rating and according to Capital One's website and they tell me I will be 100% accepted Classic card if I set up a Direct Debit. Any Card I plan to pay in full anyway every month as I don't want any crazy interest on my money as I just want to gain credit. What I am asking is at the bottom…
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Minimum repayment on a Money Transfer credit card
We are having some work done on the house and will be short by £3000, which we'd planned to use a money transfer from a 0% interest credit card. This will just be until next summer when we re-mortgage. Our monthly outgoings are already tight, so before I apply, does anyone have any idea what the minimum monthly repayment…
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Credit limit high or normal? Should I reduce?
I have 2 credit cards, both with 12k limits, from Lloyds and Halifax. I have been banking with the Lloyds group for nearly 20 years now since childhood, been a good customer never in debt/overdraft, in full time employment earning 60k. 12k is a much higher limit than I was expecting or need overall let alone per card, is…
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Balance Transfer Channel ISlands
Are there any cards offering 0% bt that would apply to us? - we live in the Channel Islands Jersey As refusing accepting Jersey post code Thanks
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First time credit card for mature student with no money problems!
I'm a mature student (25, single, living with parents) who decided to return to University full time recently - I am extremely responsible with my finances and decided to finally look into applying for my first credit card. I should have done this a few years ago when I was in employment but was informed that this wasn't…
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Are Amex good with chargebacks
So I bought some tickets for an event. Tickets were £65 each. Including fees subtotal was £153. I got the tickets, next day got an email saying I had been relocated and new tickets would be sent out via the post. The tickets never came so I arranged to collect at box office on day of event however weren't there when I…
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Credit options for a car
Hi, In the next few months, I may need to purchase a car if I lose my car from Motability after the Personal Independence Payment assessment has been completed. I am just thinking ahead and considering the options, but I don't want to affect my credit by having failed applications. I am thinking of a nearly new car, in the…
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Recommendation for replacement Credit Card (Santander)
Hi all, My Santander 123 credit card is due to expire soon and I am looking for a replacement credit card. This card still provides a small amount of cashback, mainly due to the travel and petrol costs I incur and it would appear I am looking for a similar cashback card. Key points: - This is currently my only credit card,…
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cash advance and purchase interest
Something I've been wondering about. Say I withdraw £50 from an ATM with my credit card. The same day I make a purchase with it also of £50. The next day I make a payment to my card of £60. My card has interest on ATM advances from day one and the usual interest-free period if you pay off your statement when it's due. Does…
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Interest free help
Hi all, I have approx 4k sitting across 2 cards (barclaycard and Halifax) neither of which are currently interest free. I'm making little more than minimum payments on them so it's taking a long time to clear them. These cards have near 20k limit between them. I also have another card with about 1k on interest free but it…
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Tesco credit card
I have been with tesco credit card for 2 years on 0% balance transfer, today i rang them and found out my 0% has ran our last month, i dont recall recieving any letters from them to remind me even though they said that they have. Now i have been charged £1000 on interest on top of my balance. Is there anything i can do to…
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MBNA balance transfer from AmEx
I'm looking to transfer a balance from my wife's American Express Gold charge card. Does anyone know of any potential problems transferring to an MBNA card? I'm asking because I've heard some cards cannot be used when transferring from an AmEx charge card and I just found out the hard way that Tesco won't let you transfer…
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Credit Card limits
I have recently been looking at transferring my credit card balance, looking at the best 0% interest deals etc. I took Barclaycard 18 months at 0%. However, I now see that my card will only have a limit of £400, but i need more so if can transfer balance. I contacted barclays to see if they can increase it but they say…
