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Sensible credit card use
Hi. New to forum so be gentle! Husband and I are good earners but recently incurred an unexpected debt we are struggling to pay. Decided to apply for a 0% cc and got accepted for 28months at 0% with a really high limit which will allow us to pay off the debt with plenty of credit left over. We have a lot of equity in our…
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Hotel taking less than total amount without permission?
This is on behalf of a friend but was wondering if someone could give some info on this. My friend (who is in Turkey) booked a hotel (in Greece), and after several minutes cancelled it. As the booking was non-refundable the hotel tried to take the full amount however the friend luckily didn't have enough money in his…
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Immediate Barclaycard limit decrease - will my other card follow?
I've been using my Barclaycard for day-to-day spending for a few months. I got an email a few days ago to say that I was approaching my credit limit, which I thought was strange because I believed I had about £2-3,000 left So I've just got an email and text today that say my credit limit has actually been decreased,…
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Barclays Platinum Travel Card
Hi, I'm looking for some clarification on a line I've picked up in the T&C's for this card. There's a 2.99% Non-Sterling Transaction Fee charged on transactions that aren't in sterling such as purchases made when you are overseas. And if you withdraw cash overseas you will not be charged a Cash Fee. Is this stating any…
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Can I 'haggle' a better CC deal?
At the moment I am looking into a new 0% purchase card. I need a relatively high limit of approx £4.5k. On my current CC I have 0% on spending for 3 more months - if I give them a call and say I am looking at other alternatives is it likely they can amend my deal? I'm comparing to the things that TV/Phone companies etc do!…
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Rights of Credit Card Holders
Hello, I’ve had a few applications for credit filed on my record recently, not tons but enough to consider it a spike. I have stopped now as I’ve realised my credit utilisation currently is one factor hindering me from being approved. If my credit card companies sees them, are they allowed to reduce my credit card limit…
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Very.co.uk Store Card - do I have any grounds to complain/challenge/claim?
Hi all This is my first post but many of times MoneySavingExpert has come to my rescue, so thanks all. I opened a Very.co.uk store account in October 2006 and it became my best friend, seeing me through our first home, wedding and second home. I was a lose cannon and kept buying items in denial and I soon racked up an…
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TSB Advance credit card - BEWARE
Seeing as our Nationwide Select credit card is dropping it's cashback from 0.5% to 0.25% in the new year I thought it best to look at alternatives. The NatWest one looks good as I have a NatWest current a/c and will give 1% at supermarkets (0.5% elsewhere) so an additional card for the missus will sort out the groceries. A…
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Credit card interest - can you reclaim interest on cards if the product type changes.
Hi, A few years ago now I applied for and obtained first a Visa Card and a couple years after that a Mastercard both from the same Credit Card company. I primarily obtained the Mastercard as it was being sold to be used abroad and I was planning to go on holiday at the time. I was aware that the interest rates were…
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Help needed for a puzzled mover
I have 2 credit cards that I use monthly with different statement dates so switch between for that reason I have also had a mortgage offer to replace the one we have now - assuming our sale goes through etc etc The problem is that we agreed to some works being done to our current house that need to be paid now - as cash We…
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Pre-eligibility checkers can't match my details
Hello, I am thinking about applying for a balance transfer credit card. To check my chances of getting it I have used various pre-eligibility checkers, including the MSE one. Unfortunately, I keep getting the same error message: "Sorry, we can't find your details Sometimes this happens when we can’t match the information…
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Identifying different interest rates on a CC balance?
Currently have a CC with Barclaycard, the £6k balance is a mix of interest free balance and money transfers with various ending dates that I can't find, and purchases at 18%. I've looked everywhere on the website and examined my statements in detail but I can't find any information on when my various interest free offers…
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TSB "Your Statement Is Ready To View" - Really ?
How do TSB manage to consistently send an e-mail that my new statement is available on line when, well, it isn't. Most of my other card providers send the e-mail a day after the statement is available. :o
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Unsolicited Credit Card Limit Increases
These have recently been in the news but I cannot see any comment on here. May have missed it. Anyway, I got an unexpected letter from my CC company offering to increase my credit limit from £8,500 to £9,800. I had not asked for this and I certainly don't need it. Bit irritated really as we hear constantly of folks getting…
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Help
What is the highest amount I can BT to a 0% card?
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Balance transfer query
I have a Santander CC which I have a 0% deal on, the BT is nearly paid off. Into which I have done a BT, an amount from a Barclaycard..Would this amount be subject to the 0% which I believe is still running, or have I just transferred money from one card to another with a possibly 18% or whatever the rate is. TIA
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Txt from VirginMoney about a new card?
I have a virgin money CC that comes to the end of its 0%BT period on 31st Dec, but the card itself doesn't run out til 04/18. The texts just said 'your shines new credit card is on its way, please keep using your old one until it arrives' Haven't requested a new or replacement card, so are these texts genuine? Only reason…
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What counts as "income" for credit card applications for a company director
How does it wok for someone working through a company as director and 100% shareholder? Using these figures as an example: Company turnover £55K Salary taken £10K Other expenses £5K Pre-tax Profits £40K Dividends £15K I know for mortgage purposes I'm treated as "self employed" and some lenders will accept the amount drawn…
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M&S store card
My wife (and I) were refused an M&S store card, but of course weren't told why. On checking my Experian score through MSE Credit Club, they were unable to verify my identity, (no idea why, they won't tell me) so I couldn't find out that way. I'd forgotten that my wife also had an account. I've just checked it and she has a…
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Balance Transfers on closed accounts
I have recently applied and got a new Halifax credit card which offers 0% on balance transfers for 18 month. I wanted to transfer the balance from my old Tesco card. I tried today but Halifax can’t do it as my Tesco card has expired. They told me to ask Tesco for a new card with a valid expiry date. Tesco say the account…
