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Negotiation when paying off a CC balance in full
Anyone had any experience in negotiation with a credit card company when paying of a balance in full? I am in a position where I am able to pay off a substantial debt with 4 x credit card companies in full. I wondered whether I could "negotiate" a settlement figure without hurting my credit report or classing as defaulting
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Barckaycard BT
Hi, I have cleared my Barckaycard which had around 1100 from BT coming to end soon. I would like to do any another balance transfer but wondering what are Barckaycard payment allocation rules. I have heard Barckaycard do not apply payments to debt until statement is produced. Thanks
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Avoiding interest when using the Halifax Clarity Credit Card
Hi all, So on the basis of MSE advice I have applied and been accepted for the Halifax Clarity card, which I intend to use to support my foreign travel. My plan is to access my online banking and immediately pay off any purchase spending so to avoid the daily interest rate (18%). However, I was thinking that the…
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Lloyds Avios Rewards credit card and changing Avios scheme
I have the Lloyds Avios Rewards credit card from which I earn Avios in my Avios account. I also have a separate BA Executive Club account where I accrue Avios from my flights and from purchases on my BA Amex Premium Plus credit card. I consolidate all my Avios by transferring from my Avios account into my BAEC account. Due…
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Credit card transfer
Hi there I’m considering transferring my credit card balance to an existing credit card which currently has a zero balance. Will this affect my credit score? Both cards are very well established and I haven’t used the second one for quite some time. Many thanks
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Credit Card Application Process
I recently applied (successfully) for a Credit Card but feel a bit disappointed in the way the process was handled which has ultimately left me unable to consolidate my debts as originally planned. Just wondered what are the views of the MSE community. I have an existing card with approx £8k balance. I used MSE eligibility…
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Section 75 loophole!
A Company refusing to accept my credit card payment when i turned up at the address, they told me i must make payment over the phone through Barclaycard. Is this a third party and would it affect my consumer rights. Should i be concerned about this as it's a large purchase?
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Can I request a chargeback?
Hi all, I am looking for your expert advice. My partner and I were in Manchester this weekend to se Billy Joel play. We stayed in the Hilton in Deansgate and finished off our night with a drink in their bar. However I believe we have been overcharged. I was never presented with an itemised bill but I believe this to be the…
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Minimum payment
I owe £12000 on my Halifax CC at an interest rate of 22.45APR. The interest is over £200 every month and I pay £450 off it (the max I can afford) but the interest and minimum payment seem to increase every month, can that be right? I called the Halifax and they simply didn't care, no advice except to increase my payments…
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Platinum Everyday CB Card - Referral??
Hi All, Are you able to refer someone to a Amex Platinum Everyday Cash back card? Thanks
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Clarity CC - How to get limit increased
Hi all, I received Halifax's Clarity card just the other day. It came with a £4k limit, and 19% interest rate. I also set up a direct debit for full balance during the application. The plan is to use the card when travelling abroad not to get screwed on silly exchange rates. Now, a £4k limit is really on the short side if…
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Chrome card (vanquis) 5th statement increase
Hi all I have a poor credit score and I'm slowly re-building my score up, So I decided to get a Vanquis card in January 2018 making tomorrow my 5th statement and was just wondering how soon will I be known to get an increase? I'm not bothered about the money its the simple fact of having a credit increase reported back to…
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Anyone signed up for WeSwap with Quidco?
Good offer on Quidco with £35 cashback. Just wondered whether anyone else has signed up and their thoughts and potential requirements to get the cash. There is no limit of value to load in the terms, what have others done with this card or their Quidco application?…
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Help with BT
Hi folks, Hoping for some help with how a BT card works. I can currently get access to a Santander BT card which would allow me to transfer my existing card debt (£1500) over a 27 month period to 0%. This is obviously great for myself as my current rate is 34.9%. My question is how does this work? Am I accepted and I…
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Aqua Card: Yes or No
I currently bank with Natwest and have done for years. A couple of months ago I took out a small loan which I am repaying in time and in full as per direct debit. Other than this, I have no existing loans, cards or debts and have done for some time. With a busy July coming up, I decided to apply for CC with them online. It…
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Can I get an Aqua Classic & Reward card?
I currently have an Aqua Reward Card (New Day) and a Debenhams Card (New Day) I was wondering whether it was possible to have 2 Aqua cards or whether New Day has a restriction on how many cards per holder? I have looked at their FAQ on Aqua, there are no details regarding this. Any Aqua/New Day multi-card holders out…
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Aqua card contactless
Hi all, For those of you having an aqua card, do you have a contactless or non-contactless one? I got my aqua reward card last year and had a replacement in January. But both are non-contactless. Does it matter what brand you have? Like aqua advance has but reward has not
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advice on getting CC with high limit
Kind of new to this. I'd like to get an additional CC, one which has a high limit, say at least 10K. Say I already have an 10K cumulative limit on two cards with two different banks, and an older personal loan of which 21k left to pay off in ~4 years. Both CCs have been paid in full and are at 0 balance. My current credit…
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Three CS asked for my full debit card details? Should I be worried?
Hi. I just took out a contract with Three over the phone and the guy on the other end asked for the full 16-digit number, expiration date and CVC. I know I'm probably just being daft, but why would he need all that for a contract? Is not like I'm buying anything. I already gave him the sort code and account number, to set…
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Using balance-transfer cards to help put an end to our debt troubles
So, I know that there's a metric ton of personal-finance wisdom on these forums, and I'd like to ask for some of it! Here's my situation: The Background My wife and I have been living in the south for many years, piling up debts (credit cards and short-term loans). Some of it is bad money management on our part (OK, a lot…
