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Wedding debt dilemma!
Hi everyone, My wife and I have recently had our wedding / honeymoon and though both were amazing they were also very expensive! We are currently in credit card debt of £4,600 ( spread over two cards both at approx 80% limit), and additional £4,000 to family members (2,000 to be paid by March 2018, the other 2k is flexible…
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Capital on tap
Has anyone heard of a credit card called Capital On Tap. Is it a real card or a scam?
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Money Transfer to pay off the same Card?
Hi, I am wondering if this is possible.. If I use my 0% money transfer offer to transfer £X to my bank account, and then use that money to pay off the same Credit Card I got the offer from. Therefor no longer paying the monthly interest on the balance and giving myself 10 months interest free to pay off the card. Is that…
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paying bills on credit card
Hello, Presumably ecause I've never really had credit before (only DFS and dreams), I don't have a good credit score (also not bad, just not good). I've looked into getting a credit card for building up a good credit score but the minimum monthly spends are all £250, which I do not normally spend and can not afford. Can I…
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Credit card chargeback possible?
Hi, I have ordered tiles, adhesive etc over the weekend and delivery was set for Monday. During the delivery I was not in - only my mother in law was in and 2 workers. All was delivered except 5 adhesive buckets - when I came back home the receipt they left shows all item being ticked. I have spoken with tile company and…
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Money transfer confusion
Hi all. This year I have decided to pay for my car insurance renewal up front to save on the added cost of interest. I was unable to source a 0% credit card that I had a reasonable chance of getting so I opted to take out a 0% money transfer offer with my existing Barclaycard, of £900. This amount turned out to be higher…
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Would this work?
Hi everyone, I'm currently in debt of £400 with Aqua. I have been successful with Capital One where I get 0% interest for the first 6 months on balance transfers. However my limit is only currently £200. I am transferring the £200 or slightly less including the BT fee to the Capital One card, I should have £200 left (or I…
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What will happen to MBNA AmEx Airline cards ?
Hi I've got the MBNA Eithad Guest American Express & Visa duo cards. I've noticed all MBNA Airline cards are no longer available for new applications, and I read that AmEx are withdrawing all non direct AmEx cards (not sure on their official name). My account is about 8 months old, and when the withdrawal happens will the…
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Safe to apply for a Credit Card as an Agency worker?
With my agencies, I've joined them in August after being unemployed for 5 months. I've only done it part time with them, but recently I've worked full time, as they always have jobs available for almost everyday. I have no credit history, no criminal records, and I found a few credit cards that are said to be a perfect…
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Vanquis we need more info.
Thinking of a Vanquis card. Didn't go ahead with full application as eligibility checker advised- I have a chance-we need to collect more info-that’s when I stopped. Any mser’s have success or decline experiences with Vanquis.
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0% Interest Credit Cards - HELP
I'll cut to the chase, I currently have £4,000 on a credit card and at a recent meeting with my accounts manager she advised me to open a 0% credit card to pay it off as I'm paying quite abit of interest. The bank I'm with don't offer this service which means I'm having to look else where. I'm doing my research and have…
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Is there a USA site like MSE?
Does anybody know of a good financial advice site geared at the American market? I have a friend over there who is a bit clueless with money and who has got herself into difficulties. I want to help her find out about things like 0%APR cards and possibly free advice services. But I don't really know where to start looking…
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Vanquis mistake.
Hi there, Mistakenly, I applied for a Credit Card with Vanquis, my application was successful but I realised that in the end I didn't want one. Within 2 hours I called and cancelled my application and they said I was able to do so even though I hadn't received the card. However, after reading more into Vanquis and their…
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Refund to voucher when paid by credit card
Hi, I am wondering if someone can help. I recently bought lots of items from an online retailer. For argument's sake, let's say £500 worth. I paid £100 by voucher and £400 by credit card. I then returned £200 of goods, retaining £300 worth. The retailer has refunded £100 to the voucher and £100 to the credit card.…
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Very Rejected Order
Hi everyone, i ordered a wardrobe from Very. I made an account and paid with debit card. They took my money, then updated my order status to 'order rejected'. Apparently they have declined my account, however they didint tell me till after i made an order. I didnt want a credit account, i just wanted to make a cash…
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Opus Credit Card (same company as aqua and marbles)
Hi just a heads up for anyone looking to rebuild there credit MSE card eligibility tool does not bring this card up on there list, also I was declined for marbles via its pre app checker (yes im trying to rebuild my credit) BUT used the OPUS pre app checker (same company ofc) and given a card with them with a £900 starting…
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Bank interest
Hi I am at a loss to understand this so maybe someone can help me. I have a Tesco Mastercard and, for a long while, have paid off the full balance every month. Last month I had a balance of £3989 and was a bit short so I paid £3700. This month I have been charged £70.15 interest for not paying the extra £289 which seems…
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Additional cardholder - any risk of impact on credit score?
Hi, I've seen a previous answer to this question which was answered "no" but have also seen some conflicting information saying it could do. Anyway, long story short I want to add my partner as an additional cardholder on my 2 credit cards. However she had some arrears on a student overdraft, the last of which was November…
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Allocation of payments question
I have a question about allocation of payments in regards to promotional balances. Currently I am looking at potentially taking advantage of 2 offers on one card, one for a money transfer offer and one for a balance transfer offer. It's a Barclaycard if that helps. They have the same fee but different lengths of term so…
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MSE News: Amex phases in cashback cuts to loyal Platinum customers
Some American Express Platinum cardholders who've had their card for more than 15 months will see their cashback cut next year...Read the full story: Amex phases in cashback cuts to loyal Platinum customers Click reply below to discuss. If you haven’t already, join the forum to reply.
