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Credit card refund - card blocked
Useless Virgin Money have blocked my Virgin Atlantic card again because I tried to make a payment to Virgin Holidays. Due to the ridiculous wait times I haven't been able to get through to have it unblocked and I'm expecting a couple of refunds. Will they go through on a blocked card?
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Expired credit cards and balance transfers
Hi there I have a rather old MBNA account thats been suspended, and they haven't issued a new card - I have a new 0% card that I want to transfer the remaining balance too. Is there any way I can do this with the expiry date having long since past?
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Vanquis increases minimum payment
I received a letter from Vanquis recently stating my monthly minimum payments will increase. I took a look at this months statement and its increased by almost £35 from the previous month. I haven't used Vanquis credit card in many months. The interest rate has barely moved. I am struggling to pay off the debts has it is.…
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Moneysavingexpert & capital one
My Equifax report has just highlighted the following: A Credit Card company, has made an inquiry against your credit report on 03/08/2018 . If you were not aware of or did not consent to this search, contact MONEYSAVINGEXPERT & CAPITAL ONE for clarification. I was not aware of this search. At the moment I know of no reason…
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Cancelling a credit card application
Hi all, My other half applied for a Barclays credit card yesterday but has since changed his mind on wanting it. Will this have an affect on his credit score? The application said he would hear back within 5 days when applying. Thanks in advance
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Recommendations for subprime credit card for use overseas. Non EU.
Hello all. I wondered if anyone had any recommendations for a credit card for use overseas. -Dubai. My credit is poor so would need to be subprime level. I may or may not be accepted but am hoping to apply for one that I can either spend on whilst there and repay on arrival at home to avoid interest or have as an emergency…
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Best way to borrow every month
In short, I need to run up some expenses for work that will come to about £1200 a month, give or take £100. This will be month in, month out for the next 3 years. I will get this money reimbursed fairly quickly at month end, but I'm struggling to figure out how I can actually get the cash in the first place. I don't have…
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MSE News: Virgin to revamp loyalty scheme
Virgin has revealed a major overhaul of its Flying Miles loyalty scheme which it says will make it easier to earn reward flights and upgrades....Read the full story: 'Virgin to revamp loyalty scheme - you'll soon be able to earn Flying Club Miles on other Virgin services ' Click reply below to discuss. If you haven’t…
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AmEx - Revolut Cashback
I'm thinking of using my AmEx card to top up Revolut (so I get the 1% cashback, and don't have to carry the AmEx around). Do you know if a Revolut top-up is treated as a purchase?
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Anyone else had this with Sainsburys?
I know Sainsburys credit cards have been having a few issues recently. Does that include updating the CRA's? On 29th June I paid off my credit card with them, and closed it. My new report on clearscore was available today and the Sainsburys card is still showing as Open, with a balance of £976 and it says the info was last…
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Which cards to bin
I've recently got an MBNA card 0% spends for 24 months and now wish to bin some of my old sub prime cards. I have: Vanquis - 8 year old card, 39.9% APR, £3500 credit limit Aqua - 3 year old card, 49.9% APR, £4000 credit limit Capital One - 1 year old card, 19.9% APR, £500 credit limit All have no balance. I also have a…
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Store Refund Policys
I have brought BT Wholehome Wifi system from BTs online store last year, after the goods became fautly I sent them back and BT issued a refund to my credit card (Monzo). The problem is the Monzo card had gone through some changes and in between me buying and sending the goods back, and the orginal card number is no longer…
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Credit balance refund taking forever!
Hi all, I’m getting increasingly impatient with my Creation Credit card which is in credit by £11k. I made a BT (0%) and a DD was paid also, I requested the money to be transferred to my current account but they insisted the BT amount must be returned to credit card (lucky no fee). This has taken a few emails and couple of…
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Which credit cards offer instant online spend upon approval?
I want to buy a computer online (for £1400), and wish to benefit from the legal protections of section 75 of the consumer credit act. This is my only motivation for using a credit card, and will pay the balance off almost immediately, so I am not bothered about interest rates, time to pay etc I just need something that I…
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Looking for a card. Is all credit created equal?
I'm approaching 30 and have never really had any credit. I'm not sure if certain things count, for example overdrafts or accounts with insurance/mobile companies etc. Some of these have shown up on my credit reports in the past but I don't know what the implications are. I've generally just bought stuff outright and never…
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Credit card fraud
Is it legal that my credit card Company says that I must investigate the credit card fraud I have reported myself? Thanks.
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compensation offered, should I take it?
Hi everyone, I am a long time reader of the forums but this is my first time posting. Virgin credit cards made an error on my 0% credit card and they were taking interest out of my payments when they shouldn't have. I complained, they looked into it and now offering the following all interest has been refunded and this…
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Money transfers
Hi , I know that withdrawing money on a CC from a cash machine can affect your credit score but does the same apply for a money transfer into your bank account?
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What happens to any cashback when cancelling a credit card?
As title, what happens to any earned cashback on a credit card if you close the account before the cashback date? I've tried searching but cashback is mentioned too many times to find a suitable result, and I have not managed to locate a copy of the T&Cs for the Capital One account. For the full details, I've got a Capital…
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Can I get a credit card anywhere quickly?
I've realised I need a credit card for hiring a car abroad. But I don't have a credit card. Is there anywhere I can get one in a couple of days?
