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Nationwide pre-approved
So, I'm currently in the midst of being transferred over to Nationwide to capitalise on their 'refer-a-friend' incentive for current accounts. At the point of acceptance online, they also stated (paraphrasing here) that I'd additionally been pre-approved for a CC with them and a fairly decent credit balance level was duly…
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Balance transfer to wife
I've got a 0% credit card ( doesnt expire until 2020) but I want to balance transfer it now to a new one so we have longer to pay it off and a set goal in mind (around 24 months). I know people will think just wait until this one gets closer but I want it sorted so we can set monthly payments at the right level and forget…
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Company forcing me to use corporate Amex card
Hi, My employer has recently introduced a new global policy that all employees must sign up for a corporate Amex card, and use it for all business-related expenses. Nothing wrong with this per-se but there a couple of aspects that worry me:* I'm being asked to sign an agreement that I am "Personally responsible for all the…
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John Lewis Partnership Credit Card
Your advice would be appreciated. My partner and I applied for a John Lewis Partnership Credit Card recently. My partner filled in the application providing our bank account details on the application in the belief that she setting up payment to be made via Direct Debit. Nothing in the application process, 'Important…
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Tandem Card very low credit limit
As this is the latest cash back card and Amazon have reduced there cash back to .05% for £2 [1.5% for £2 Amazon purchases] and AMEX not accepted everywhere. I applied hoping, to replace both cards. AMEX has given me a huge credit limit. Amazon Mastercard too. Cannot use the Tandem one to replace them as it is only £1200?…
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Section 75 for cancelled trip costs
Hi all, Wondering if any of the expert minds here could offer me some advice. I was supposed to be spending a night in Paris with 3 friends a few weeks ago and was due to travel on Eurostar. However, due to French customs officers going on strike, Eurostar cancelled a number of services, one of which was our return train…
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Lloyds avios credit card - Amex
So I received a letter to say that the Amex card will soon be dropping off the account and it will be MasterCard only, with a reduced Avios offering. Anyone else in the same boat considering upping sticks and going elsewhere for a better Avios deal? If so, where? Or is it on its last legs?!
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Balance Transfer Cards
I'm purchasing a website as a business asset for $4,995 which I'm paying on a 0% interest installment plan which I'm half way through paying. This website will be a business asset, I would like to pay off the full remaining installment due to fluctuations in $ exchange rate to £. I have an Amex Gold Business Charge card…
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Amex Fee Waived?
Has anyone managed to get American Express to waive an annual credit card fee? Got my first yearly fee hitting soon, not sure I want to renew unless they give me a reason to. Called them and they said they used to offer pts etc. and waive fees but the 'bureau' said they can no longer offer this now. Is that true?
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Unknown CIFAS marker? No previous issues...
Afternoon all, Applied for a credit card with my own bank (Lloyds) after they emailed and offered it to me on a pre approved basis. Application went through fine, account was added, I even completed a balance transfer, of under £500 as this was at a better rate than my current card. Then today I get a text, saying it had…
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"We're processing your application" - Halifax on a 'pre-approved' balance trf card
Sorry for the 2nd thread in a day! So I just applied for the Halifax no fee 20 month 0% balance transfer card after seeing I was pre-approved. The Halifax system also showed I was pre-approved subject to ID checks. I have filled out all the online forms but have now received an email to say: "We're processing your…
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Holiday Credit card?
Hi guys, going to mexico in a few weeks and wanted to rent a car whilst out there. Have been told pretty much all rentals need a credit card on file in case anything goes wrong and they need a large amount to cover damages. I've heard stories of a few that do let you use a debit card and then put a big chunk on hold, but…
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Transferring an overdraft onto a credit card
I have a £2,300 overdraft and want to transfer it onto a 0% credit card. All the balance transfer cards I have come across only allow transfers from other credit cards, not overdrafts. I've heard of money purchase credit cards which sound like they are what I want, but on comparison websites there is no option to search…
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Stupid question re. credit limit on new approval
Hi all I have a (probably stupid) question re. a new credit card application. I am looking to ideally shift a couple of balances on existing cards to a new balance transfer card to try and eliminate the interest charges on these while I reduce the balances. Per the credit club, I will almost certainly be eligible for the…
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section 75 - would i be covered for flights ?
Booked Holiday Flights in July 2018 for May 2019 on a self organised fly drive trip . 1 week ago other half received letter from Hospital for a significant health issue that needs further investigation and now on waiting list which is currently looking at July . Cannot now get health insurance for the overseas trip as…
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virgin
what annoys me is:- I phoned virgin as my cc 0% rate period has finish after 24 months. high limit and zero ballance now. Asked if i can extend the 0% rate Answer no.....closed down card and opened a new virgin for 23 months 0% on the new card. No problems Use the card often and don't always pay back straight away so…
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Applying for a new credit card
Hi there, Me and DH have a credit card each with the Halifax - DH's has a zero balance and we are using mine to pay for a holiday that's later this year. I have 0% interest on mine until December, we don't use OH's at all because the interest is too high. We are hoping to get mine cleared off by the time the 0% interest…
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Curve Card: Signature Required
Hi all, I recently obtained the Curve Metal World Elite Mastercard so I could combine all credit and debit cards into one, which makes things a little easier in terms of managing payments plus with the bonus of cashback as well. All of my cards have been added to Curve without a problem. However, whenever I make a…
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Pay off 0% credit card.
Hello This might seem simple but I can’t seem to find a Calculator that will work this out for me. I have a £12,000 0% credit card until the middle of 2021. There is a minimum payment of xxx And I’m trying to work out how much I would have left to pay per month to ensure my credit card is paid off before the end of the…
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I don't understand how to use credit cards
I recently took out a credit card with Lloyds for a limit of £1200. My APR is 19.9% So if I paid for a hotel for £600 in May, what would I owe in June? An extra 19.9% interest? And does this keep stacking by 19.9% interest each month?
