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Halifax Flexicard Credit Card
I am thinking about applying for the Halifax Flexicard credit card but have heard from a lot of my friends and family that they can be hard to get in to, so before i apply is there anything i can do like trying the get my credit report stronger etc. Before i apply?
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Aqua Credit card
Don't know if this is the right place for this. But I shifted a debt from Aqua credit card to Barclay card credit card 0% for 18 months. The debt is £1411.54 however before I shifted this debt I called them to notify them of the balance transfer at the beginning of February 2020 and the female assistant from Aqua said that…
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Should I reduce the limit on my unused amex card?
I have an amex card with a 5k limit, and two other 0% cards (3.5k and 7k - increased from 3.5k yesterday) I used the amex card for the 5% cashback in the first 3 months, but now I prefer to put things on the 0% cards and leave my cash in savings. I only want the amex card for the offers they do sometimes. My salary is…
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Refunded cash
I have just got a refund for flights, accommodation and golf green fees, back to my credit card. Bower only a quarter of this money belongs to me. How do I get the money back to a bank account. The full amount was placed on the credit card immediately the bill came in. Now I am almost £4k in credit. Are CC companies duty…
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Paying for holidays on credit card
Hi Please can someone help/advise. We booked a holiday in early 2019, we did not use a credit card to pay for any part of the holiday so far. We are just wondering if we pay some of it off now with a credit card, would we be covered by the credit card to get the whole sum back, should anything happen. Or does it only apply…
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Refund On Closed Credit Card From Foreign Airlines
I purchased tickets to go to Ko Samui this April but due to all flights being cancelled I am seeking a refund. The problem is the flights were purchased in June 2019 and the credit card I purchased them on is a closed account with Llyods and has been for 3 months. I know that refunds have been issued by EVA airlines and…
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Amex to Virgin 0% Balance Transfer
Hi everyone - need some help with an Amex to Virgin 0% Balance transfer. Earlier in the week I applied online for a Virgin balance transfer card, and during the application form entered in my Amex card number and amount that I'll be transferring - and it was all approved, got the email, and today received the card. I…
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Capital One - When do they send info to Experian / Equifax?
Hi all, This has probably been asked in some form before, but I can't find it. Experian currently show that I have used roughly 55% of my limit on my capital one card. I briefly dipped that much into it to pay for flights last month, but the balance is now back to 0 as of the 31st of march. I know it isn't instant, but…
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Barclaycard letter "We have previously set your credit limit higher than we should have" ???
My partner received a text yesterday saying they would receive a letter about her credit limit. It arrived and it was an apology "We have previously set your credit limit higher than we should have" and suggesting she may have paid too much interest because of this and if she had experienced financial hardship, as a…
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Strange fraudulent transactions
I recently purchased some food in a take-away in Oxford. I have occasionally done this over the last few years, always the same product for the same amount of money (£7.50). I was just checking my latest credit card statement and the transaction for this on 15/3 was £19.00. I went looking for my receipt and could only find…
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First time balance transfer help
Hi I'm new to balance transfers and after checking my eligibility on here, I'm a little disappointed and worried about my options so helping someone knowledgeable can help. I have £1500 on a barclaycard which the 0% interest runs out in a few weeks, my credit score is good, I've never missed payments but haven't been able…
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Mbna credit card payment holiday, advice needed
Mbna are offering a 3 month payment holiday. I currently have a 0% interest promotion offer. Will this be effected, if doesn't mention in t & c. From my understanding the only penalty will be my monthly minimum payment going up.
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What happens if I get refunded by both credit card co, and travel agent?
Hi, I had flights booked with Thomas Cook, via a travel agent. At the time they went bust, I claimed a full refund via my credit card, but recently, I’ve been receiving e-mails suggesting that the agents I booked through, may also refund me! Not one to look a gift horse in the mouth, I think this could be too good to be…
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Paying off credit card in full by direct debit - HSBC question?
I set up a direct debit in the beginning of March to pay off my credit card in full with HSBC. Today was the last day to pay it off and I see the money was taken from my account saying "First payment" but when I go to my credit card statement, the credit from the last statement hasn't been cleared. Also when I checked the…
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Lloyds credit card - positive credit balance
Hi all Had a refund on my credit card and payment was taken today leaving me in a positive balance. It's not urgent so I don't want to use up the phone line at Lloyds Bank for people that need it, so just wondered if I can just spend the positive amount (instead of asking Lloyds bank for a refund) to take me back to zero…
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Payment Holiday
I missed a payment last month and credit card company is saying I am not entitled to a payment holiday even tho' I am now laid off without Furlough due to changing jobs on 2 March. Are they right?
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Credit Card Balance Transfers - Which Option?
Hi all Hoping someone can help me here. Trying to shift CC over to reduce payments over the next few months with being furloughed. I have an offer with 3% fee, no interest for a year then to regular interest amount of 19.9% OR no fee with 4.9% for 3 years. My balance is £4500 so I won't pay off in year so thinking the 3…
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Lost my credit card, now have a new one. Do I need to set up a new direct debit?
Lost my credit card, now have a new one. Do I need to set up a new direct debit? The direct debit for my Nationwide CC is taken each month from my NatWest current account. About 3 weeks ago I lost my Nationwide CC and ordered a new one. No one told me anything about direct debit, I just noticed yesterday that NatWest is…
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Defaulted with a lender and re-applied later?
Has anyone one ever defaulted with a CC lender, dept sold on, and a few years later had a new CC with same lender?
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Credit card in positive balance due to refunds?
Hi all,I just had a five minute text conversation with AMEX and all the refunds I have received due to holiday cancellations that were paid using a credit card I no longer use have now been transferred to my current account. No issue at all. Thought you might like to know😀 Dead easy to do! Thank you.
