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Should I apply?
Hello, I've done an eligibility checker for Aqua, CapitalOne, Barclaycard and they have all said I'm not eligible. On the other hand, American Express has given me a 9.5/10 chance of getting a card. Should I apply?
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sainsburys Mastercard- strange allocation of payments
Well 18 months ago i took out a Sainsburys credit card which had 0% balance transfers for 18months and 29months 0% for new purchase. Transferred £1800 and then purchased a new TV etc for £2000. I set up direct debits for £150 a month thinking that the BT would be cleared within the 18 months. Wrong, when i rang up to check…
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Complaining to Amex
Hi All, Is there an email address to allow complaints to be sent to Amex in relation to their credit cards?
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Charged twice for same goods
Last week I was shopping in Wickes and having put my pin in the machine the system crashed. The manager came over and tried to reset but the transaction had gone and I was promised that the transaction had not gone through the credit card so I repeated the process. Both transactions went through and the bank are now…
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Retailer sees what?
I hope this is not inappropriate for this section. When one makes a purchase on line, and input the card details and security number, what does the retailer see on its screen. I assume it is something to let it accept the order but the number and security code.
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Santander Zero
Hello! I have a Santander 123 account and a Santander zero card. I’m currently on holiday withdrawing money and I want to make early payments to reduce the interest being accrued. When I pay online I only have the option of making a credit card payment with a debit card. My transactions total around £200. When I come to…
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Rookie in credit cards spending for credit score
Hi everyone, the short story is, wanted to open a student account with Santander, was declined and since my credit score is fair I decided to apply for credit card in order to build the credit score for future financials. I know, read, understood about how the credit score is situational, but still, I think having some…
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Prepaid credit card, want to clear the balance
I wasnt sure which forum section to use to ask this question. I get points from pinecone surveys which i can convert to prepaid credit cards. The problem is that i have a few pounds balance on several of them and i want to spend it. When u buy something online you have to have the full amount so i cant use them. Is there…
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credit card remaining balance rate?
I took a Tesco 0% balance transfer and purchase card last year. Last month I received 2 emails regarding rates, on the same day The first one read: Expiry of introductory rates on your Tesco Bank Credit Card account The introductory rates on your account for Purchases and Balance Transfers are coming to an end. With effect…
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Experian showing excellent score which can't be true
Hi, I made a thread the other day explaining I've had poor credit history when I was younger but that was 5 years ago and I've never had a credit card before. I signed up for Noddle and it showed my credit score as 603 (fair) which seems about right, however I just signed up for the free experian account and it shows my…
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Paying an independent driving instructor by CC
My daughter is about to start lessons with a driving instructor who has been recommended to us. Rather than handing over a wad of cash or bank transfer for a block of lessons, I would like the protection of paying by CC just in case the worst happens and we lose our money. I've listened to too many consumer shows where…
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What types of payments incur fees?
So I read online that paying by credit card is not always the best idea because you'll be charged a processing fee. Some online articles mentioned utility companies as being the primary ones which will charge you, so paying my BT bill or Eon bill by credit card may incur a fee. Aside from contacting each company and asking…
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0% on purchases meaning
If a credit card says 0% on purchases for 3 months, does this mean when you buy something on the card, you have 3 months to pay it off before you start getting charged interest? Or does it mean when you get the card, the first 3 months are interest free and that's it? Thanks.
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NON contactless credit card
I am looking to change my credit card because I do NOT want contactless technology on my cards. Anyone have these?
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I'm in college and work part time. Do I put student or employed on my credit application?
Just a bit confused on what to do put since I am both of them.
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Eligibility checker declined me but my score is "fair"
I'm applying for a credit re(building) card. The eligibility checker for capital one has said my score is too low but my score on equifax is 417 which is "fair"? Can anyone advise on this situation?
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Lowell account closed
A relative of mine who is on a self-managed DMP with StepChange has been on a £1 token payment a month with Lowell for some time now due to financial and medical problems. The credit card debt was originally with Lloyds and is over £9,000. The relative received a letter yesterday from Lowell stating that they have been…
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Bank not Adhering to the Visa Core Rules
Hi All I have found out that a bank is not adhering to the Visa Core Rules. I want to take them to court regarding this. I have a solicitor involved who agrees with me. Anyone else come across this?
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credit owed to me
Hi all, im after some advice please. My parents who are both in their eighties had a Tesco credit card. My dad used this card to pay for his car insurance,. For what ever reason several monthes later the insurance company decided they had overcharged my dad for his car insurance and refunded around 80 quid back to the…
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Amazon Mastercard
Hi Folks, I am considering taking out the Amazon MasterCard offer to avail of the bonus and ongoing cash back. I use Microsoft Money for all my backing and am heavily reliant on the ability to download statements directly into Money. Al my banks (Barclays / Halifax) offer the ability to download statements in MS Money…
