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Credit Card Refund
I paid for the services of a building inspector on my visa credit card issued by my bank in April. The building inspectors subsequently went insolvent in May and were unable to carry out inspections or issue a final building certificate. I contacted my bank and requested a refund providing as much information as I could.…
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Credit card issuer offers increase to credit limit - can credit score be affected if accepted?
First, I'm aware these are discussion forums and not financial advice :) EDIT: rephrasing credit score -> hard search. Has anyone accepted an offer to increase the credit limit and then discovered that this triggered a hard search in the credit file? Which credit card issuer? What about the opposite, has anyone accepted an…
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Arrangement to Pay
Hello I have a Barclaycard with an Arrangement to Pay, the balance is to high to pay off and close and due to the Arrangement to Pay I can’t convert into a loan!!!! If i remove the Arrangement to Pay and go back to normal monthly payments, will the status show as ATP until full balance has been paid off or would that…
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Advice Needed - Dealing with my Mum’s finances after death
Hi all, We’re in a position where our mum will imminently pass away and I am in the process of sorting her finances. I have read lots and advice online but so much isn’t relevant because my mum doesn’t own anything and isn’t on benefits. So just need a bit of advice and if there are other threads that already support with…
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Trying to BT and getting (comparatively) low limits on new cards
I've got a few Sharesave type schemes on the go so other than a mortgage, no real debt. I've built up a CC balance which will be offset by next year's sharesave, but the 0% on purchases period was due to run out in December. I've shunted that full balance (£8k) off to an existing card that was offering 0% on BTs for 13…
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Converting dollars to euros
I have 15 000 usd at HSBC which I have to convert to euros and then transfer to German bank account. I think if I do ask HSBC to convert it to euros I am not going to get a good rate. In the past when I need to buy or sell large amount of euros or use I traveled to London (about 2 hours trip) where in the are of Edgware…
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Amazon Aqua credit card
I applied for an AQUA card through an Amazon offer in June. The offer was for a £20 Amazon gift card. I didn't receive it so I queried this with Amazon and Newday who issue the card. Newday told me I hadn't complied with all terms and conditions. Specifically I had not made any purchase in one of the first two months. (I…
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Suitable account or Card + App for reimbursable expenses
Looking for suggestions for a bank account with card, credit card or prepaid card that will make it easy to make purchases that will be reimbursed by a small number of clients. Ideal workflow - happy for anyone to suggest a better workflow Make a purchase with the card eg hotel accomodation Receive an instant notification…
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Paypal credit or bank
Hi chaps, I am considering a £500 spend an don't have cash, it's on ebay and there is a 'Paypal' credit option, would I be better off using my Coop credit card, I have plenty of credit ? Many thanks
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Halifax Changes to shopping online
Hey all Just had a letter through informing about some new online checks that are coming in soon, i do not do any online banking with my debit card, just use that in the bank cash machine, but i do shop online a bit, only with a a halifax master credit card not debit card, which i do pay off in full each month, the issue…
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best credit card for buying a flight?
Hi new to this, and to credit cards. I'm 60 , a home owner and have a good credit rating, but never had a credit card. I want to buy flights with security and a CC is the best way. Which is the best one to get if i'm only going to use it once or twice a year? thank you for any help given.
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Anyone got a credit card with a CCJ
Hi folks, As the title suggest, has anyone got this? I have finally sorted my finances out and for the past 12 months at least all my payments on time for various accounts. I have about 20 accounts, about 10 basic bank accounts, 5 mobile contracts, 3 credit builder loans, broadband and a catelouge account. All have been…
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Advice on balance transfer
I have £11,500 on a card (paying 21.86%). I know I am pre approved on a 6 months 0% interest balance transfer with a 3% fee with proposed transfer being £1,500. Is it worth me moving part of my balance to this card and paying it off? I’m confused!
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Need to transfer what’s my beat option?
Hello, I currently have 2 CC, one with zero balance (that I don’t use) one with a balance but my interest free period is coming to an end so I would like to do a transfer so I can concentrate on paying off the balance. One is a Barclaycard with £9000 limit / £0 balance. Other is Virgin Money with £11000 limit / £5000…
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Which order should I try to pay off my credit cards
I have 4 cards with various interest rates and balances. The first has a balance of around £4000 with an interest rate of 19.5% The second has a balance of around £3600 with a 0% interest rate for 15 months The third has a balance of £1600 with an interest rate of around 34% The final one has a balance of £600 with an…
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Virgin Money card issuing problems
I applied for a Virgin Travel Money credit card via MSE Credit Club at the beginning of August and was accepted + received a confirmatory email. I noted from the FAQ's on their website it would take 7-10 days for the card to arrive, which was fine as I applied for it to use on a holiday in mid-September. Last Tuesday 27th,…
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Refund On Debit Card not Credit Card - Help
Hi, Long story short made a card payment when someone came to my house for some work done. Work was incomplete and it seems the company is a sham judging by reviews. After speaking to them it seems they are delaying and coming up with excuses. Is there a way i can get a chargeback or refund if i contact my bank as this was…
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Amex Supplementary Account - balance
My wife and I recently opened a BA Amex card to take advantage of the points offer. She was the primary applicant (I'd opened a Lloyds Duo card offer a year or so back, so wouldn't be eligible for the introductory offer), with me having the supplementary card. As we use this as effectively a "joint" credit card, it would…
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moving to 0% credit cards.
Hi there, I have some credit card debts I am looking to clear to value of £4,800 I know it is low in the grand scheme of things. I have managed to move this 0% I have been lucky on two cards to transfer it over. I look on the forum and I see so many people struggling to move over to 0% credit cards, why is this? these…
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aqua credit card hopeless
easy to get the card - impossible to do a balance transfer or make a complaint as " all of our associates are busy". Have tried 5 times in 5 days for up to an hour! Sales team must be 3 people in somebody's garage! Customer service 0/10.
