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Turned down for credit card
My partner has just gone through the eligibility checker on here and it came up as 95% likely to be approved for a number of cards. He went through the application process for the MBNA balance transfer card and has just been declined. Was a bit of a shock since this means he must be one of the 5% that won't get it! What…
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How to Pay off PayPal Credit?
Hi. I’m new to this site. My husband has around £3000 on his PayPal credit account. This has been building up for the last 3 years, much to my dismay. We really need to get a handle on our finances and I’m looking at getting a credit card to try and pay this off but I do t know what to look for. Would it be a 0% balance…
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vanquis credit limit increase offered
Apologies if not the right place. Vanquis emailed offering credit limit increase from £500 to £1250 today so I clicked online to accept it and they asked for income and expenditure details. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. Is this a good sign or did I…
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Credit Cards for Brits living overseas
Hi all, I'm a Brit that's been living in Hong Kong for the past five years. I'm looking for a credit card to rebuild my credit score in the UK. Long story short: - I was looking to apply for a mortgage for a buy to let in the UK, using a broker specialising in mortgages for UK expats here in Hong Kong. - I did a credit…
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Best card for rewards
Just looking at options for generating a little extra reward from credit card expenditure, appreciate thoughts on this ! Currently I have: Halifax Clarity: Currently my main card for spending. Balance paid in full each month. Also use for occasional overseas spending due to the rates & no fees. Barclaycard: Used to xfer a…
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Need to pay off mycredit card - undecided how?
Hello I would like some advice please. I have 8k on my Natwest cc. Home owner, with tiny mortgage but other living costs including season ticket loan and maintenace payment to ex for my 2 teenage sons. Earnings £49k Applied for loan through M&S, but they refused my applicaiton. I then checked here and eligability checker…
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nationwide select credit card - cannot see pending transactions
Hi all, Got myself a nationwide select credit card. Activated and all, but none of the first few transactions show up as pending on the nationwide app. Be it Amex or Halifax credit cards, they show pending transactions. But with the NW card, no entry visible. That's a bit disappointing/disconcerting to be honest. Pending…
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Halifax credit card minimum payment
Hi, Could anyone tell me if you've got a balance of £6,000 with an apr of 4.9% what would the minimum monthly payment be. Thank you.
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credit cards or personal loan
hi there, Im after a bit of advice - i currently have £1800 worth of credit card debt and £6500 personal loan both being paid off with no problems. The credit card is a Santander 0% interest balance transfer card and the loan is a nationwide 3% interest loan. Would i be better off doing a balance transfer and moving all…
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App - Homeowner status & monthly rent/mtg amount - Partner live in my house, rents out his elsewhere
Hi, couple of questions about the questions on the MSE credit card eligibility tool, and presumably the related questions that go with them on the actual application. Situation: I own (with a mortgage, lets say I pay £500 a month) my own house, in sole name. Partner now lives with me (I wasn't with this partner at the time…
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Wrong info from bank about chargeback?
I purchased 3 items online from same company, they arrived in 1 packaged damaged and seller refused to refund or let me return. I contacted bank and was told I must get independant reports on the items not working. Is that right? Considering I told retailer straight away and they were this way upon arrival they didn't…
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Amex. Paying before DD due.
Hi I know that if you pay something off your balance for Lloyds/Halifax cc then the payment may be duplicated, but can't find anything obvious as to whether this happens for Amex. I have paid off my balance early, as wont be home to check if the DD has taken succesfully, and it is the first time it would have been…
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Halifax credit card
hi, If looking for a balance transfer card and Halifax does not allow transfers from current Halifax cards does anyone know if this includes Bank of Scotland cards? Tia
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credit card transfer approved but credit is less than the balance transfer?
Morning, So I applied for a 0% transfer credit card, in the application it asked for the credit card details and the amount owing (£1250) After the checks, I had a screen pop up and say balance transfer approved but under that is stated credit limit is £200, does this mean I can only transfer £200 or does this mean I've…
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PayPal Credit - Application issues
Has anybody had any problems applying for PayPal Credit? I've been trying for the past few days, and had a few messages back and forth with PayPal, but it still won't accept my application despite trying multiple devices and browsers/apps. I enter all my details, click apply, the form refreshes and displays a message…
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MBNA certify document
Hi everyone, I'm not sure if this is the right place to post but I'm looking for some advice. I have just submitted an application for an MBNA money transfer card after completing the eligibility check on MSE. Now MBNA are requesting that 3 ID documents are signed by a certified financial professional or a solicitor. I'm…
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Google Pay - PayPal - Visa
I downloaded the Google Pay app on my phone the other day and linked it to my Visa card. It automatically added my PayPal account as alternate payment method. It got me to wondering how many people would take a cut for processing my payment: Google presumably, then PayPal, then Visa – and if there is anything left over the…
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How long do closed cards take to disappear from credit report?
I closed a credit card account in March but it still shows on all of my credit reports, which falsely gives the impression that I have some credit available that I don't. How long does it normally take to disappear? I would have thought it'd take a month but my credit reports have now been updated twice since I closed the…
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More credit with joint or single card holder?
My partner and I need to get new 0% credit cards later this year (for stoozing mainly). Would we be more likely to get more total credit if we both got a card each, or if we got a joint card? If this question is too broad, how do we work out which approach would (probably) get us more credit?
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Balance Transfer (from then to)
Hi MSE forum! So I'm in a predicament with a balance transfer rate expiring in 1 month. With the current balance on there I'd be paying £60 a month in interest (and paying £400/500 off per month to clear it before interest). I do however have another balance transfer card with available credit. I was wondering if there was…
