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Section 75
Hi all. Apologies in advance and would massively appreciate anyones guidance on what to do with my situation. Appreciating there may be a post already covering this topic.. I have used a garage to get paint protection applied on my new Audi.. garage in question has ended up polishing the bonnet straight through to metal. I…
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0% ending advice
my 0% credit card offer runs out in 2 months. I have 5k debt on it. Limit is 9K. I will not be able to clear much off it before it ends. Any advice : i was thinking to apply for a 0% balance transfer preferable long one. To do so looks like it may be one with a fee. Im not too concerned about that but if I shift the 5k…
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Vanquis card
Hi I applied for a vanquis card on Friday they phoned me a few mins after and said I was accepted They went threw all the details of the card set up my direct debit Does this mean I'm excepted I was also offered a cash advance which I accepted they said it takes 2 working days Has anyone got this and it been in on time How…
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Is it worth closing my crdit card accounts?
Over the last few years I have taken out several credit cards to take advantage of the 0% balance transfer and 0% purchase charge to pay for house and car insurance to avoid paying monthly. I now have a situation whereby I have several credit cards which I don't use and will take out a new one when the 0% rate finishes. Is…
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New customer deals Barclaycard and Sainsbury's
I have 3 cards with* MBNA - 5 k balance 0% balance transfer card 19% apr on purchases. * Sainsbury's zero balance- was a 0% interest purchase card the offer has now expired * Barclaycard zero balance- was a 0% interest purchase card the offer has now expired My credit rating is 'excellent' 970+ I'm interested in applying…
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Text from a bank I don’t use...
Hi all, I just received a text message that said; We have received your card agreement and you will receive your card and PIN in the next 5 working days. This was from M&S Bank. I don’t have any accounts with M&S and haven’t (as far as I can remember) even attempted to get an account with them... Is it something I should…
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Amex - pending transaction disappeared
Purchased items off amazon roughly £400 Used Amex to pay, logged in could see payment pending, remained like this for a good few days, logged in today and the pending transaction has completed vanished and shows £0 balance My items arrived today though and no issues on amazon
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First Credit Card
I have a couple of big outgoings coming up, namely a wedding and honeymoon. I have the cash to fund these, however I was thinking about the best way to pay. I am tempted to get a credit card the added protection I've heard it offers. I've been reading around and I think a cashback card sounds the most suitable, probably…
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Section 75 advice please
Hi. To cut a long story short, this involves the repair of our family car (replacement diesel injectors). We took the car to an injector specialist for diagnosis and repair. He tested the injectors and told us we needed replacements. He quoted verbally a cost of £160 + VAT to fix. At that point we paid him (not the parts…
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MYTH? - Do 'Bad' credit cards affecting credit score
I have never had a credit card before, however using free calculators my credit score is fairly low. Due to multiple reasons (the nature of my income/job) I am very unlikely to be accepted for a credit card with my banks that I have a current account with. I have been looking at cards like Capital one & Vanquis who are…
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Cashplus nightmare.
Hi. I have a credit card with Cashplus. I have been unable to log in to my account for over a month. I have tried on a laptop and on their app, which I was forced to download. As I cannot access my account, I cannot make payments. If I cannot make payments, then the interest on my account will continue to rise. I have…
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First Credit Card Advice
My 19 year old daughter wishes to start to build a credit rating and is looking for a credit card that will allow her to do that. She will only use it for petrol and will then clear it as soon as the bill comes in. Just looking for some recommendations for a card that is likely to accept a 19 year old with no credit…
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Paying for car purchase with a credit card
I had a credit card many years ago that I used only once, paid in full when the statement was due and then cut it up and never used again. This was only to help my credit rating when we were First Time Buyers. I would like to purchase a car, which I have the funds for in my savings account. I want to pay for it using a…
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Section 75 - Thomas Cook
Hi - Can anybody help please? Like many, I've booked 2 x return Thomas Cook flights to Cape Town on my M&S credit card in my name. It was direct with Thomas Cook and with no ATOL certificate. I've looked at other threads and seems it can take 30-60 days to get considered for Section 75 (I sent the letter off on Friday). I…
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Balance transfer
Hi, proberly a silly question but my credit cards 0% is about to run out and looking to transfer my balance. I can get £1800 credit on a new card but my balance is just over £2100. Can I transfer the £1800 and leave the £300+ on my old card, or does it have to be the whole amount? Thanks in advance.
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Paying off card as soon as the statement comes in
I don't like to leave too much money in my current account, just in case my card gets stolen or something. My credit card statement which I have a direct debit set up to pay in full just came through, and I was wondering if it matters if I pay it off instantly or not, since I don't want to leave too much money in my debit…
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Good travel card which is a Visa (not Mastercard)?
We are off to Argentina soon, and Visa is more widely accepted than Mastercard. My usual travel cards are Mastercard, and looking online I can't find any that are Visa. Someone did mention Revolut, but when I finally figured out how to contact their customer services, they said that they randomly allocated you a Visa or…
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Need chargeback advice for a hotel room
Hi Guys I need some advice whether a credit card company could help with a charge back. I booked a hotel through Agoda which was costing £3k in total as it was for 3 rooms. The rooms were non refundable if cancelled. Unfortunately due to some issue we had to cancel the trip. I spoke with Agoda who informed me if the…
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100% Pre-approved, how realistic is this?
I was looking at the MSE Credit Card checker thing last night, with no real intention of getting another credit card, I was just bored and curious ... it came up that I'm 100% pre-approved for a card. I'm trying to build my credit history, having never really had much credit before so I don't want to go ahead and apply for…
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Avoiding Recurrent Payment with Creditcard
[FONT="]I have dealt with a few insurance companies in the past. In many occasions they have tried to renew my insurance without me even ask them and sometimes in a very aggressive way.[/FONT] [FONT="]Here is an example the text I receive from them.[/FONT] [FONT="]"We are in the process of renewing your X…
