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Post Office/Bank of Ireland card - don't go there
Applied for Post Office card after getting 90% chance on their eligability and I wanted fee free for abroad Sent in verified documents by my bank like they asked. 4 weeks in total for a decision.. declined today by underwriters. It appears they make you jump through hoops - and that's before credit checking you. Bank of…
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Advice needed on unused credit card
Hi I have 2 cards, one with a large balance and one that has zero balance but a large limit. Ideally i would have wanted to transfer the balance from one (MBNA) to the other (Barclaycard) but the Barclaycard is saying i have no open offers to make a transfer. The BC has been sitting with a zero balance for the best part of…
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Basic beginners' question about 0% interest credit cards
Hello, I am feeling dumb and confused! If I got a 0% interest card, that had say a 24 month interest free period. Then I used it to immediately make a large purchase (say £1000). Would I have to pay off the whole £1000 the next month to avoid interest? If I only paid say £50, would they start charging interest on the £950…
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DVLA continue to charge fee for credit cards
Despite the Government announcing that charges on credit cards are to be abolished from 2018, I notice when re-taxing my car that the DVLA are still charging a £2.50 fee if you use a credit card. What a money grabbing bunch they are. They take millions of pounds from motorists each year and our roads are the worse…
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Request for advice on getting an error on my Experian report corrected
Earlier this month, I was declined for two credit cards on the same day (in both cases I was offered a card, but a lesser deal than the one I was actually applying for), so I've given the CRAs a pull to see what's up. I think I've spotted the issue on my Experian report: in the July update, my Nationwide Credit Card shows…
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shifting debt
hi I am helping a friend who has 19k of debt on 4 credit cards he is noton the electoral registor but has a good credit score on expieran as he never misses his payment We have transferd this debt to 12 months 0% short term but would like to transfer to longer term 0% for 36months we have done a elegibility check on mse…
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Planning my escape from Barclaycard
Hi Gang,I will not go in to the numerous trauma's I have had to endure with what used to be a good Company but one that appears to have abandoned the UK and gone completely over to India & their Call Center's. I settle my Credit Card bill in full every month and would like to find a Credit Card company that does not have…
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Planning my escape from Barclaycard
Hi Gang,I will not go in to the numerous trauma's I have had to endure with what used to be a good Company but one that appears to have abandoned the UK and gone completely over to India & their Call Center's. I settle my Credit Card bill in full every month and would like to find a Credit Card company that does not have…
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ppi
Hi, not sure if I post in the right thread. I've some stupid questions about ppi. I have recently been made redundant and from what I can understand my credit card ppi covers 10% of outstanding payments/balance. I rarely use my card and always pay in full every month. If my balance is 0 will they still charge me something…
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BA Amex card
Hi everyone. I applied for a BA Amex card almost 2 weeks ago. I got a call last week to confirm my address and to ensure it was actually me who applied for the card. The lady said I would hear something in a few days. I got an email yesterday saying Welcome to Paperless from American Express which thanked me for choosing…
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Large credit card debt - Am I headed to loan territory ?
Hi. I have a Tesco credit card which I have been collecting the various valance transfers from my wife's credit cards. So far I have amassed £7000. Some of the balance transfers have reached the end of their 0% my first instinct is to do another balance transfer to another credit card so I can start to afford the…
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Credit Card Eligibilty Calculator Reliability - Balance Transfer Help
Hi, I've been using this site to look into 0% balance transfer cards as I've got a Santander 123 card that I've been meaning to try and get rid of for ages. I have £1400 on the card. I used the eligibility calculator on this site and it came up with 80% chance of approval for 4 Barclaycards and 70% chance for 4 Tesco…
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Barclaycard Platinum travel card 2018 or 2022 fee free?
I applied for the Barclaycard as a Visa alternative to my Santander Zero Mastercard when the fee-free deal was until August 2018. Shortly after receiving it they extended the offer to 2022 for new applicants. I have contacted them to ask if they will be extending this period for existing cardholders and am very surprised…
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Relocated, Interest Racking Up, Can I Do A Deal?
A slightly odd one this... but hope someone might be able to give helpful suggestions. I am from the UK and relocated to the US in Oct 15. I have a Virgin Atlantic MBNA credit card which I haven't put anything on for a few years and, to be honest, had pretty much forgotten about. I came across some paperwork the other day…
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Marks and Spencer credit card
Hi I have recently been accepted for a credit card. I called them and they said you dont know the limit until you get the card? Im sure i seen on here there was a way of working out what the limit would be from your credit agreement? Ca anyone help me with this? thanks janette x
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Anyone with the Barclaycard Travel Platinum card...
Does your statement show '2.99% foreign transaction fee' under the 'Foreign Usage' field in the terms and conditions? It's my first month's statement, and I'm concerned it does no state there is no fee for foreign spend anywhere on the statement. Phoned barclaycard, who have said they've forwarded my query on and will get…
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should I close my credit card accout
I have just paid off my vanquis credit card using another balance transfer credit card. Should I know close my vanquis account? would it have affect on my credit rating if i do close it or keep it open?
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MSE News: MBNA to close two Amex reward credit cards
More than 75,000 MBNA customers will stop earning cashback and rewards via their Amex credit card next month, and will then be sent a replacement Visa card which won't offer any such perks...Read the full story: 'MBNA to close two Amex reward credit cards' Click reply below to discuss. If you haven’t already, join the…
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Credit Card / Loans / Finance
Hi! I am looking at all my options for 2 reasons My car's HP ends in October, with a final fee of 5500 Health treatment that i need/want doing privately I have never had a credit card or a personal loan, only car finance and HP finance. the amount i need to borrow is 9k, Ideally i would like to continue to finance my car…
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Cancel credit card Direct Debit
I'd like to pay my Barclaycard credit card bill by debit card this month. However, it is too late to cancel/pause my Direct Debit through the card supplier. I identified an alternative method whereby I: * pay the balance by debit card today * cancel the direct debit from my online banking I think this should prevent the…
