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Barclay card
Hi I am new to forum. In Oct 2018 I received a letter from Barclay card saying that 'We made a mistake with your minimum payment' I have not had a card since 2004 They attached a cheque for £3.30 I have never cashed it as now sure what it is about, as so long ago. Thanks for any help
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Plan to clear stooze debt on cc
Hi all, I have an £8-9k balance (debt) sitting on a 0% cc. The 0% deal finishes in Oct 2019 so I am starting to think about next steps to continue paying this down. Whilst I can pay the balance in full I have a wedding this year so am hesitant to hit my cash reserves. I typically pay £500 per month to keep the balance at…
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Balance Transfer Question
I’m in the process of repairing my credit, and currently have two credit cards, a Luma card from when things were really bad, and a Capital One card from more recently. I have always paid both off in full monthly and never paid interest. Recently my last month’s expenses at work were higher than normal and I ended up with…
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ASDA Money Credit Card
I am trying to balance transfer from my ASDA money credit card to my new HSBC. It has failed twice once in Feb and again this month. HSBC cannot see why this is happening and I am incurring interest while they investigate. Does anyone know if the ASDA Money Credit is affiliated with HSBC as this maybe the cause of the…
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Credit card protection or chargeback?
I bought 3 cabinets online totalling £270. Only one was over £100. Paid with Halifax Mastercard. Now the company has not delivered the items, not is replaying to emails and the phone has a message saying the are closed 'due to unforeseen circumstances'. Lots of angry reviews on Trustpilot...so I am not holding my breath.…
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Halifax Clarity Credit Card Rate Hike
Just received a letter from the Halifax regarding my Clarity credit card which i have had for many years to say they will be increasing the interest rate from 13.45% to 18.45% Just wondered if i had done something to upset them or are others receiving these letters? And is 18.45 a reasonable rate for this card taking into…
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Problems getting refund to closed expired card
A retailer is refunding me but it's to an expired closed card (closed 2y ago). They said they need a valid expiry date but of course the card expired ages ago. The card company (Pure card) who supplied the BT Reward Mastercard debit card (not sure if the debit aspect makes any difference) won't issue a new card. The…
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HMRC Charging Fees for Credit Cards?
I've noticed when paying employer tax's to the HMRC there are a number of options (of which a lot appear to be credit cards) that have fees associated with them. I was under the impression that there was a ruling from the EU that came in to effect on Saturday the 13th January to ban these kind of fees? I wondered whether…
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Halifax Clarity compromised twice in three months
On the basis of Martin's advice, I have had a Clarity Credit Card for about 6 years and it has been fantastic for overseas travel. In late December 2018, I received a text from Halifax asking if an on-line transaction with Next was made by me. I replied No and their fraud people contacted me straight away, explaining that…
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Santander Balance Transfer Card
Morning Everyone, I am looking at transferring my balance of £3500 on my 0% Barclaycard to the Santander 0% Balance transfer card once the 0% expires on my BC. Does anybody know what the maximum credit limit on the Santander card is as the website states an assumed credit limit of £1200. Could this be increased to cover…
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CCA Section 75 protection over £30k - 2 transactions?
Hi Folks, I'm looking at purchasing a £1,000 deposit on a large Orangery that is going to cost around £58,000 - therefore exceeding the Section 75 protection limit of £30,000. Would I be covered if I asked for the invoice to be split and paid 2x deposits, such as the doors, windows, roof lantern in one invoice and the rest…
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Good Non-Bank VISA Credit Card
Hey MSEers, Looked in my wallet recently and realised beyond one high APR VISA credit card, all my other credit cards are MasterCard. Beyond HSBC, First Direct, Barclaycard and Nationwide are there any big credit card providers still issuing VISA credit cards? Or are MasterCard currently offering much better rates back to…
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Payment Code M Promotional Rate Y
I've just looked at my credit report now my new 0% credit card has hit it It shows I am using 90% of the available credit (correct, as I put my rail season ticket balance on it) As it is 0% I am currently making the minimum payment on it each month so under the account it shows code 'M' which I'm guessing means 'Minimum…
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American Express Preferred Rewards Gold Credit Card
Hello, I have applied for the card above for two reasons. - Cashback - 2 X airport lounge access I have applied today and am travelling in a fortnight. What is the quickest way to get the airport lounge membership organised? At the end of the application it says the AMEX card will take 10 days! Thanks
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Transfering a specific part of the balance
Hi I have used a barclaycard for a while to transfer balances to and get 0% because I get a new balance transfer offer each time. E.g. BT 1 - £3000 - 0% end Apr 2019 BT 2 - £500 - 0% end Dec 2019 BT 3 - £1000 - 0% end Aug 2020 Etc. Etc. Now one of the offers is coming to an end with a balance left to pay. Eg. Balance £400…
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Santander Zero: Pay off cash withdrawal before purchases
Hi, Could anyone help explain how CC companies (specifically Santander Zero) allocate payments of partial balances? I used my Zero CC abroad for BOTH a cash withdrawal AND purchases recently. So on my return to the UK, I now want to pay off the value of the cash withdrawal (so I don't accrue further interest). For the…
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0% rates credit card question
Hello, I have roughly £3,000 on a credit card (Virgin) at the moment. The 0% interest rate is ending in May and I am looking to balance transfer to another provider. I have another credit card which is used for online purchases and the balance is cleared at the end of every month without fail (Santander everyday Credit…
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Potentially stupid question about 0% interest rate
Hi, Apologies for what seems to be a stupid question, details below: Credit Card Statement received 15th of the month Payment made last working day of the month If my 0% APR on purchases ends 14/06/19 - do I need to make sure the balance is cleared by that date to avoid paying interest? So I do I aim to clear it by May…
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Lower credit limit?
I have just moved and bought some kitchen appliances on my credit card. I decided to apply for a 0% balance transfer card to pay these off over the next few months as although I have the savings, it would be good to keep this in my ISA. The balance is 800ish on a 3k limit and I'll close the card once the transfer is…
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£35k cc debt
Hello all, one of my friends has got £35k credit card bills with 5 cards, she also owes the bank about £20,000 and store card £1200, she has left the UK and moved in with family I think in France but could be Spain... she thought led me she has written to them all giving out her pivot number abroad along with her email…
