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Is it okay to spend on a Balance Transfer card first?
Hope I don't sound stupid but have got a Balance Transfer card on the way and was thinking of spending on it first just to use the chip & pin. It would activate the contactless feature instead of waiting 20 months. Pay that off and then transfer a balance the next month to take advantage of the 0% rate.
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Electrician has added £20 charge for paying by credit card
Hello, I recently had some work done by an electrician. Now that I've received the invoice they say I can pay by bank transfer (free) or pay by credit card with a charge of approximately £20. I thought it was now against the law to charge a fee on card payments? I asked them about this and they said it was their payment…
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Refunded by CC AFTER being eventually refunded by business...
Quick question on what to do here. 3 months ago I did a Chargeback for a holiday that a Travel Agent was refusing to refund (I gave the TA 8 weeks to refund before I raised a chargeback). Credit Card company was pretty unresponsive so I continued to persue the TA and eventually got my money back a month ago - still no word…
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Section 75 & CC Payment with Balance Transfer
Hi Hoping someone out there is able to offer some insight as searches I'm trying to make regarding section 75 and including balance transfers are bringing back 0% credit cards, which I don't need as I follow the excellent advice of paying back in full. I recently bought a car for £12,000 after finding it via AutoTrader.…
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HSBC Chargeback - No Answer
Hi All, I filed a dispute with HSBC for near £800 regarding my Etihad flights on April 25th (full details below). Apart from the confirmation i have had no further acknowledgment or update, I have tried to call for hours and hours only to be cut off. Most recently I tried their 'chat with us service'. The Customer service…
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CHARGES ON A 0% TRANSFER CREDIT CARD
Hi, I wonder if anyone can explain this for me? I transferred a balance on to a Credit card which had a transfer fee and 0% for the remaining term. I have made all monthly payments (and a little more each month) on time and have not used the card at all for any purchases. I have noticed that I have been getting charged…
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Link Financial Advice Help
Unfortunately Link Financial have put a judgement on my account two months ago payments are being made to clear the debt at the moment. On receiving a statement of account, I have noticed that they are charging interest each month they have also added an additional charge of £410 which states for a Recoverable Charge…
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Partnership Card dispute delays
We have had most of our holiday bookings refunded. The exception is flights with TAP Portugal.As TAP weren't refunding I filed a dispute with Partnership Card (John Lewis Financial Services) on 19th May. I've messaged them a few times asking for progress, but I always get a generic "we can't give you a time scale"…
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Barclaycard reduced my credit limit by 97%!
I just received a 'nice' letter from Barclaycard reducing my credit limit from £9400 to £250, and of course, no notice period it was effective from the date they write the letter which was a week ago! I have a 999 credit rating, very good income, never missed payment, always paid double the min payment, and have had less…
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Closing a chargeback claim
we booked a holiday of a lifetime to Canada with a Canadian travel agent. It was cancelled by the company due to COVID. They offered to move the holiday to next year but as I have cancer this was not an option for us. We raised a chargeback claim through Amex but lost the case. However since then the agent has finally…
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Tesco CC transfer rates
Not a question, before the police grill me, just a heads up. In today's climate, I think that this money transfer rate is very good. 2% apr for what is an 18 month loan by another name: https://ibb.co/DWvCHzC
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When is enough
Hi all i took out a £500 credit card in 2002 to try and set up my own self employed gardening buisness The car broke,and the £500 was used to fix it,so no buisness Since then i have been paying back interest only,it started at £10 per month,but withouth doing the maths i've paid the m back over £2,500 and just found out i…
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Marbles money transfer
I have been trying to use the money transfer offer from marbles in order to pay off a loan. Every time i try to transfer to my Bank of Scotland account it fails. Spoke to marbles last week & was told that my address on both accounts must match exactly re format . I have changed & checked that everything is identical to no…
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DD, how far in advance is it "set in stone". Tesco CC?
If my next DD is due to go on the 6th September, minimum payment (0%), at what point would a payment stop the DD being made? Paperwork states a payment before the due date "may" amend the DD. I just wondered what the timescales are? Anyone know? Is it generic to the DD system or does it differ between providers? I want to…
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Amazon CC - DD set to pay in full, yet payment requested is £7.99
I've got an Amazon Credit Card and using it for the first time this month. I'm concerned about the Direct Debit - the direct debit is set to pay the balance in full (confirmed with customer services) yet the payment requested is £7.99 The credit provider does not have the greatest reputation, so I just wanted to check if…
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Tesco Credit Card Query
Hi All, My wife is on a 0% balance transfer deal. We had a cancelled holiday which resulted in a refund. Turns out thinking that credit would count as a payment for the month, was wrong. Saw the late fee, so made a quick payment and contacted them. After a few emails they said the zero would not be cancelled and it would…
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Refund
My lastminute.com.com flight fares are due to be refunded (14 May 2020 was the date cancelled!) to my credit card. How do I access the money as it was a group booking for several friends and requires dividing.
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Improving credit score
My credit score is stable (not going up or down) and i want it to improve to full. The only credit cards that are approved for me have a high APR percentage (between 30% and 40%). Does this matter for me as I will be using it for my work travel etc which as soon as i have use i will instantly transfer from my debit card to…
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Credit Card Protection on purchases through bank transfers?
Hi, I'd like to commission some building work on my home, the building company looks very reputable however i'm nervous given the current climate that they may go bust before the work is complete and i'll loose my money. Therefore I wanted to pay a portion of the cost using my credit card so i'd have some sort of…
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Creation financial services
My first ever post. Creation financial services, used to run the Asda cash back card. I had this for many years finding it great, cash back in voucher form to re spend at the store ( work for Asda). Then Asda closed the account, and Creation, still offered cash back so great I thought. However during lockdown 2…
