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BT Help
I balance transferred roughly £4500 from my Natwest credit card, which i was paying interest on, to a Virgin card with a 0% interest deal back in February. I didn't close the natwest account, it's still open but has a zero balance. Stupidly, i didn't set up a direct debit to pay the Virgin card, and missed a payment. I…
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Credit to fund House Deposit & Mortgage
Hello Money Saving Expert Forums, I am a 24 year old looking to get my feet on the housing ladder. I've been saving from January this year and have put away about £7k (mostly in a Lifetime ISA and some invested in a Vanguard Index fund). My Company is moving my office to Manchester in the next 6 weeks and rather than rent…
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Credit balance on TSB credit card
Hello, feeling incredibly foolish :( I have a few credit cards, and back in May I thought I had done a balance transfer of £1,300 from my Halifax credit card to a new Barclaycard. I countinued paying off the balance on the Halifax and went to close it to discover that there was £1,300 still on there. What i have actually…
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Question regarding Amex Membership Rewards
Hi all, I'm currently an Amex Green card holder and I'm looking to buy a new computer within the next month or so I figured that since I'd be buying this with the Green card and then paying it off in full at the end of the month anyway, that I may as well apply for the Amex Gold Credit card and take advantage of their…
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Section 75 - laptop
Hi all I'm going to query a laptop issue with my credit card company with the view to try and get a fix or refund under Section 75. I believe Tesco want me to get a second opinion on the laptop fault first from another engineer before going down this route. Is this usual? I'm oblivious to the process so advice welcome
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Amex credit file reporting
Hi guys, Do Amex report charge cards to the credit file? If so how are they showed up? Thank you
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financial ombudsman
Morning All, I currently use sainsburys credit card, and have done for ~18 months. The bank has been fine to use up until recently, though very basic......No app / apple pay / basic website / slow updates. the last few months though the site has been horrendous with issues logging in, I again can't see any recent…
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Tesco Credit Card error
Hi, I have been with Tesco Bank for quite a few years. During that time I have had a few of there cards with their 0% deals. Today I open an envelope and find a letter with a default sum notice for an overlimit. I called Tesco for clarification. It turns out this particular account has been closed for a year and a half and…
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Credit card debt, need advice
Hi, Hope this is the right place to ask this... So, a few years ago I got quite carried away with gambling, racked up some substantial debt. I don’t gamble any more. I’ve been paying this debt off at around £600 a month. All of this debt is on credit cards, and stands at around £18k. Previously, I’ve been switching the…
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Refund in foreign currency back to Santander 123 Credit Card
Hi folks, I paid for something in $ on my Santander 123 Credit Card (online FWIW). But for certain reasons, might be getting a refund. I know the 123 Credit Card has good rates on purchases in foreign currency. Does anyone know / have experience of getting a refund back to one's card? Is it also a very good rate? I have…
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Barclaycard new address rules
Hi, just wondering if anyone else is having an issue with Barclaycard and their latest ruling on addresses. I live in Spain and in our area post is not delivered to the residential address, so I purchase a secure P.O. on an annual basis to receive mail. Even thought I’ve lived here of over 11 years and Barclaycard have…
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Using a 0% MBNA credit card to clear overdraft
I have a problem with debt and I’m trying to work out the best way to begin clearing it. The most expensive debt I have is a Lloyds overdraft of £2000 which costs me £61 in fees per month. That’s before I start paying it off. Using the eligibility credit card calculator I found an MBNA card I was eligible for and their…
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Amex after Clarity - how to best time application
Hi all, quick question on timing an Amex CC application: My recent credit-relevant activities: May 2018: switched current accounts. Only highline card with new bank, no credit card. A hard search was done, account application successful. June 2018: Applied for Clarity card. Hard search was done, application accepted. I…
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Tesco Credit Card 0% 36 Months
Hi, I am looking for a bit of advice. I have the above credit card as the thread title suggests. I recently transfered the remaining balance from a car finance to the credit card and I noticed I had some fees in my last card statement. I phoned customer service from Tesco Bank and they told me that it was treated as a cash…
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Persistent Debt new Credit Card Rules
Following on from this article https://www.moneysavingexpert.com/news/cards/2018/02/new-credit-card-rules-to-help-those-in-persistent-debt the new rules on persistent debt are now fully in force as from today. https://www.fca.org.uk/news/press-releases/new-credit-card-rules-introduced-fca This probably explains all the…
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Withdraw cash on Santander Zero
I'm going to Australia next week but don't want to carry a lot of cash getting there. I have a Santander Zero credit card (and a Halifax Clarity, but I'm only taking that as a back up card in case I lose the Zero) and was thinking it would be better to withdraw cash at an ATM when I get to Australia as I read that I'm…
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How easy is it to get a Tesco credit card? (tarting Q)
Hi, I've a normal Tesco credit card, and a credit card with another bank whose 0% is ending soon. I wanted to see if Tesco would give me a 0% balance transfer as I have a long relationship with them and a high credit limit. Just spoke to them on the phone and they said no offers at present, but why not apply for a balance…
