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Does a credit card refund count as payment?
Let’s say my November credit card statement is £100, which has to be paid in January. In December I do some more shopping, say £50 of new spending. I then get a £30 refund on something. Does this go towards paying off the older balance of £100? Or does it merely reduce the latest spending down from £50 to £20? I think in…
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closing old 'poor' credit accounts
i have about £25k unused credit just sitting there doing nothing, the APR is high and I will never use the service, even if i needed to. So as its bad to impact your borrow to availability ratio, should i just leave them dormant or use them a bit or just close them off? Id ideally like to get a new loan in the future at a…
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BARCLAYCARD security spam
18 Dec 2019 - This one is VERY good, could easily convince the unwary! Received call from Barclaycard, (an obvious Indian caller) checking had I transferred funds to a named person in the USA. Obvious answer "no". They suggested my pc ID had been compromised, asked me to check via Google a site named something like…
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Money Transfer Card
Hi everyone, I was originally looking for a money transfer card to pay off an overdraft, my income has increased greatly recently but I also have had the misfortune of sliding off the road on monday due to ice and my car is in the garage. I am looking to get a money transfer card which will allow me to have access to cash…
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Credit card replacement advices
Hi there, I am looking for some practical advices for swapping my credit cards. I actually have the following: - Amex Charge Card - HSBC Visa Credit Card: no debt, balance always paid in full - Barclays Platinum Visa: around £1700 debt, I repay nearly £300/month and it's interest free (until Jan 2021) I want to either…
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Amex
Just got myself a amex with a large limit 12k are these worth it what’s the points like?
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I'm a CC noob, what type should i apply for?
So last year i applied for my first CC and was turned down, even though i had a good credit rating and it was an offer from my own bank (which knew how much money i had) that i took up. I never really got an answer why, and this made me ginger to apply again. Now at the end of this year i want to get a CC again. I'm not in…
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MSE's Credit Card Eligibility Calculator on a go slow...
MSE's Credit Card Eligibility Calculator claims it will take 2 minutes, yet I've been waiting an hour now - the page refreshes each minute with a rotating series of messages, along with a countdown clock until the next refresh... but no actual result yet! I appreciate the tool only does a 'soft search' of one your credit…
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What to do ? CC options
Hi All I have been reading here with intent for quite some time and unknown to you until now, have been helped greatly. through being a bit more frugal and also moving balances around, I have got my Credit card Debt down to £10,500 where it once was £26000. I have within the last 6 months paid off in full and closed 4…
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Any 0% Balance Transfer cards for bad credit?
My girlfriend opened up to me last night and told me she's in quite a significant amount of credit card debt from silly mistakes she made as a teenager. She is paying these monthly but I can imagine she's paying a hefty amount of interest. I don't think she quite knows herself how much is left to repay as she just pays a…
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Mastercard exchange rate incorrect
Just thought it was worth pointing out that Mastercard appear to be using incorrect Euro/GBP exchange rates on the 14 Dec. There was significant volatility in the spot market on 13th December following the election result and the rate moved between 1.183 and 1.207, closing at 1.199. The rate I received for a transaction on…
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Did I !!!! myself by not applying for a money transfer offer?
I had an email from Halifax last month about a balance transfer / money transfer promotion @ 5% for 36 months with unlimited times on my credit card. I didn't do anything at that time because i don't have another credit card, although i do have an overdraft with HSBC, and also I thought it was bad to transfer any sort of…
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PIN reminders
I forgot my PIN for my Sainsburys credit card and online it tells you how to request a new one by logging into the website but the option to do so isnt where it says it is! So I had to phone up and its going to take 3 working days to for me to get the reminder in the post! Surely they can do it quicker than that in 2019???
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CC refund by Hotel in USA - Exchange rate and Interest costs?
I recently travelled to New York and stayed at a Hilton Hotel in Brooklyn. On check-in, they took my credit card and charged a room hold deposit. There were no issues or charges on the room, and everything was fine on check-out 4 days later. On returning to the UK, I received notification from my CC company that my account…
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Next credit balance
Hey MSE Forum If my Next account has a credit balance, is it possible to get a refund back to my bank account?
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Shop Small 2019
Hi Is anyone participating in Amex Shop Small and notice lots of chains present on the map?? Even McDonalds, even Costa!!! Is this a blip? I don't want to call as I do want to risk it and see if I can still get cashback :p
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Limit to number of daily transactions
Hi all, I have a Tesco credit card, I am the primary card holder and my wife is the secondary. The other day we both went Christmas shopping but by 4pm we were finding our cards were being declined, Tesco refused to talk to my wife (after being on hold for 20 minutes) so I phoned and was told that cards are put on stop…
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Available credit not increasing after payment
I have a Halifax credit card and in the past the 'available credit' has always increased after I have made a payment and it shows on the account, so that the balance and the available credit added together match the credit limit. Last week however I made some payments, and although the balance has reduced the available…
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Halifax Clarity Foreign Exchange Rates on MSE
When I used to go to travel money maximiser the usual cheapest rate for getting my euros listed first was the previous days Halifax Clarity rate ... always way better than everybody else. This seems to have been taken down! Am I right? Is it somewhere else on here? If it is no longer being made available through MSE where…
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Natwest or Lloyds Balance Transfer
Hello, My 0% promotional rate is coming to an end with Barclaycard and I currently have £2050 outstanding. I'm looking for another 0% balance transfer card, ideally with no fee. I've done a pre-eligibility check with Lloyds and Natwest. The Lloyds one has come back saying I'm pre-approved for a card with a 5K limit - 0%…
