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Credit limit reduced on a barely used card
Hiya guys. As someone who plans to get a mortgage in the next 18-24 months, I keep on top of my credit reports in order to have a blemish-free history when the time comes. I have an ASDA cashback card that I barely use anymore, since they cut down their cashback rate. Few days ago I got a letter from them saying that they…
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Barclay default after 5 years...
Hi I have a debt with Barclay Card which was defaulted in March 2015 with no contact since (from me or them). My question is in March 2020 it will be 5 years (limit in Scotland) is it likely to disappear from Credit File? Any advice would be greatly appreciated. Thanks Emma
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Balance transfer cards
Hi I'm trying to shift some debt from a few loans and high interest cards cards I have just received a MBNA card 16 month balance transfer card and they said during application I'd get a limit of £4700 which was perfect because I could have moved the 5k debt I owe on the high interest cards However once I received my card…
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More persistent debt
Todays e-mail cap1 267 to be paid by March. Could make it , going to be difficult. Alternative idea is use one mortgage overpayment which covers extra payment. Is this a decent idea as i only have almost four overpayments total reserved. Originally slowly saved keeping future rate rises in mind.
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Ryanair
Last week I was booking some flights with Ryanair I had completed part of the booking when my grandson fell down in the other room so I got up to see to him and when I came back to my phone my other grandson had messed with the phone and clicked the button and booked the flights when the confirmation email came through it…
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Lloyds Bank export old credit card statement
Lloyds Bank provides a link to download the current credit card statement in .qif and .csv formats, but all the past statements are available only as pdf. That means I cannot import my past transactions into tools such as YNAB. Is there a way to export my past credit card statement? Note this only affects credit cards,…
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One time password query.
When I pay with my (debit although I think this may apply to my CC as well) card on line a box comes up and it used to ask for a further pwd for me to enter. Now it just circles and then accepts whatever has been sent to the payment authority. Some time back I had to enter some digits of my pwd. I cant even go to the…
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Do online retailers...
...keep the full CC details or do they really delete them when the transaction is complete? Thanks.
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Balance Transfer or Loan
Hello Me & my husband have about £23000 on various credit cards that we constantly move around and pay more than the minimum amount on every month. The charges to move these around is getting more expensive. We currently pay around £750 a month paying these off. A bank is offering us a good deal on a fixed 5 year loan deal…
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Can I re-apply for 0% interest free purchases card from same provider?
Hi Everyone, The 30 month interest free introductory purchases period on my Tesco credit card is coming to an end :( I am hoping that I can ring up and cancel this card and then immediately reapply for a new one. Has anyone on the board successfully done this?
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Doing a £300 ATM cash Machine withdrawal,What is the withdrawal fee? (Vanquis Credit card
If you are in America, with a uk Vanquis credit card, and you are wanting to use the American Visa ATM machine at an American bank, to withdraw £300 cash out (which will be in US dollar paper notes/ bills as they call them) then what will the fee be incurred on top of taking this £300 out? There is a 3% cash withdrawal fee…
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MBNA Credit Card Trick That might work & Paypal
Hi, all would like your thoughts please on this. I have just been accepted for an MBNA credit DUAL OFFER 26 months 0% interest-free on purchases and 26 months 0% on balance transfer, provided that I carry out the purchase and the balance transfer within 60 days to take advantage of the 26 months 0% interest repayment…
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1 large balance transfer or 2 small ones?
Hi all, First post on here. My parents have a debt of £13,000 on their joint credit card. They recently told me that they pay around £500 a month in interest :eek: This has been going on for some time! I've offered to help them do an interest free balance transfer as I've done them in the past for my own, smaller debts.…
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Debit or Credit Card: Is There a Way to Earn Reward Points / Avios from Monthly Mortgage Payments?
My monthly payments are usually DD but I’m looking for a way to earn reward points when paying off my mortgage. I’ve saved up Avios and/or Amex MRs so I’m keen to accumulate more rewards that I can redeem for flights.
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prepaid Mastercard gifts
Hi, New here, hope this is in the right place. I work at a youth activity centre. I want to be able to give away a prepaid card that can be used anywhere Mastercard or Visa is accepted. I dont want to sign up to the card, I just want to pre load it with a bit of cash and give it away. Some of these young folk will be…
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Post Office - Capital One Credit Cards
[FONT="]As Capital One are regarded as a ‘sub prime’ credit card company, are the Post Office cards (now issued by Capital One) also now regarded as sub-prime? [/FONT] [FONT="]For example, would Capital One ‘score’ or 'risk assess' people the same whether they apply for a P.O. card or a Capital One card? [/FONT]…
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Should I keep these cards
Hello I have 4 credit cards and I'm not sure if I should or need to keep two of them The two in question are very high interest and are basically what helped me get back on track when nobody else would accept me Fluid card and aqua card both held for about 4 years now and the interest on them is simply shocking My go too…
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Balance Transfer
Hi all, I am in a tricky situation at the moment. I currently have £1872.59 outstanding on my PayPal Credit account. I also have an AMEX Preferred Rewards Gold that is paid off. My limits on these are around the £4,000-£5,000 area. My issue is that due to dental issues, I need to get another £7,410.84 to pay for treatment.…
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Halifax Clarity ending Legacy APR
Just had notification that Halifax are moving a tranche of legacy account holders to their new business APR of 19.9% early 2020. Last time I looked it was 18.9% Not a major issue as I don't borrow on the card but a significant jump from around 13% to around 20%. Will probably ditch it in due course and use other options.
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Santander Credit Card & Apple Pay
Got a Santander World Elite card the other day from Santander. Added it to Apple Pay, it's not showing any payment notifications through the Apple Pay system like any of the other cards I have added. It just says this issuer doesn't support transaction notifications, check your Santander statement. Anyone else seen…
