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Swamped with interest
Hi, to cut a long story short... I have racked up just shy of £30k credit card debts while going through a time consuming divorce. I've needed these cards to live and now tge interest free periods are coming to an end and the monthly repayments all in all are around £600. The divorce settlement has stated that the family…
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Best credit cards for improving credit score and rewarding spending
Hi, Hope someone can help. I hold a nationwide credit card at 18.9%, I always pay it off in full and my spend is roughly £200 a monthly give or take on a £4300 limit. I am looking to improve my credit score I would like to be rewarded for spending while improving my credit score. I mostly shop at Tesco or amazon. Could…
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Register second cc on Amex shopsmall
Hi Guys, can anyone tell me how to register a suplimentary Amex plat cc for shopsmall which has just started again.?
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Late payment charges
Hi all I have a post office credit card which I used for a balance transfer. Back in February I made a large payment to clear the balance. I made an error in my calculations and still owed £12. I broke up with my partner around this time so did not get any of my post and did not know I still owed money. I have recently…
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Refund to closed credit card. Issues getting money back
Hi, I purchased an Xbox from Amazon last November (2017) on a Halifax credit card, I subsequently paid off and closed that credit card. I have now had an issue with the Xbox and sent it back to Amazon who have refunded it back to the cancelled Halifax card on October 25th this year. My issue is that I have been trying for…
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Deceased Unsecured Debt
Hi all. I am hoping I can get some advice please. My mother was diagnosed with terminal pancreatic cancer in August. She defied the odds of 3 months and we are hoping to get past Christmas. She has 14k unsecured debt. Overdraft > Mailing Order (Very and Littlewoods) > Credit Card > Argos card. She doesn't have the money to…
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Can you use personal credit cards for business?
Just wondering if you can do that? Specifically the AMEX platinum cashback? Are there any implications? Can't claim back VAT etc? AMEX don't like it? I understand that some people don't like mixing and don't like HMRC looking into their personal purchases, but I'm planning to close and reopen the platinum one for a clean…
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Klarna and paying by credit card
Just a warning - don't pay your Klarna account off with a credit card - you'll probably incur a 'cash transaction' fee & interest on your credit card each time you do :-( I just happened to look at my credit card account today & noticed a 'front end' fee which my credit card company confirmed was for a 'cash transaction',…
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Tesco Credit card replaced - why?
I have a Tesco credit card (with a low credit limit) that is only used for internet and telephone purchases. in May 2017 I was contacted by Tesco who informed me that there was a fraudulent transaction on my card. When I investigated there were three transactions, two were in the USA. These were refunded Tesco cancelled…
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credit card
0% purchase card comes to end next year .Should i cancel the card as i want to replace it with another 0% purchase card or just put it in the back of the draw . Ive read cancelling cards can effect credit score ?
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Soon to be turning 18
Hi, I am soon to be turning 18, and want to start straight away on building my credit for the future. I am not going to be one of these people who use they're credit card willy nilly for just anything - just to put that out there. I was just wondering how long it would take to build my credit from day one, and how long it…
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Use of Credit Cards - Probably Overthinking this
Hi Everyone I am probably overthinking this but I thought it best to ask you guys on the forum as you have all been great previously when I have asked questions. These are my current cards with my current income of £28,000 Halifax - £2.500 Limit - Open since Oct 2012 Barclaycard Freedom Rewards - £6,500 Limit - Open Since…
