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Should I clear overdraft with money transfer
Hi I'm after some advice if anyone can help. I have an overdraft on my Barclays bank account and have basically been more or less up to my limit for the last 5/6 years and not really had the opportunity to clear it due to one thing or another, have gotten close a couple of times and then the washing machine needed fixing,…
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Cancelling credit card after a balance transfer to another
Hi all. Recently put a couple of big purchases on my Barclaycard credit card - namely a big holiday next year, and my car insurance. I've then done a balance transfer to a new MBNA card. Ordinarily I'd cancel the old Barclaycard, but in the event that travel isn't sorted by next year, my holiday doesn't go ahead and I have…
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credit rating.
when i apply for a credit card and it goes to accept screen but i declined does that go against my credit rating?
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Section 75 query - Virgin Flight tickets purchased by Virgin credit card
I purchased tickets for Virgin Atlantic flights for Nov 2020 with a Virgin Atlantic Credit Card. The Virgin Atlantic credit card is operated and managed through Virgin Money. IF Virgin Atlantic goes into Administration (news today that they have filed for Bankruptcy protection) will Section 75 enable recovery of the cost…
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Credit Card Calculator Broken?
Went through the mse credit card checker, which says I wouldn't be eligible for many card , despite having a good paid job, mortgage etc... Even a credit card that I have (currently paying off, it's a long 0% deal, less than £3000) says I wouldn't be able to get it. Is it broke at the moment?
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When to apply for new credit card
Hi,I've just cleared down an interest free credit card that is about to reach the end of its period. I would now like to apply for a new interest free card. What is best time period to wait after clearing this card to ensure I am not rejected due to existing debt? Should I cancel it as well? Thanks, Rob.
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SECTION 75 - runaround
Hi I am hoping for some advice. I bought blinds for our new in April 2019 which came with 3 year warranty. The warranty is mentioned on the only paperwork given to us, the invoice. We paid the deposit of £400 on a credit card. We noticed the cord for one the main bay windows starting to fray badly that it’s no longer…
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Credit Refund from M&S Mastercard has gone against my credit card limit as a spend? Help!
I obtained a refund for a holiday that i could not take due to covid using chargeback on my M&S credit card. The credit was granted early in July but when my July credit card bill came in, later in July, the credit on this card account was not used to pay the balance (I pay in full each month) and the money went out of my…
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Which of these three credit cards will give me the most cash back?
My wife and I have at present 3 credit cards that we use between us. My wife uses a Tesco credit card for our shopping, spending about £500 a month, mostly in Tesco, giving her points I have a Nationwide select credit card that I use for petrol and paying for holidays. Without holidays I spend usually £50 - £100 a month. I…
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Mistaken refund from PayPal - where do I stand?
Hi, PayPal contacted me (it's legitimate) saying due to a technical error, they mistaken refunded me £400 back in April. They want their money back. Where do I stand on this? And what are the consequences of refusing (mainly because I haven't got £400 in these corona ridden times). Thanks
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Am I entitled to a refund due to the pandemic?
Back in October 2019, I purchased a pair of concert tickets for July 2020 which obviously could not take place due to the coronavirus pandemic. There's no word yet as to when it will be rescheduled, can I just go ahead and request a refund from the credit card company that I used to pay for the tickets? The website does…
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0%balance transfers
Hi I’m desperate to balance transfer my £6300 credit card balance but on eligibility tracker doesn’t seem like my credit rating is very good. Not good enough to transfer my balance. Looking for someone been in similar predicament. Don’t know where to go next.
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Sainsbury's Credit Card - Qualifying spend for 750 Nectar points per £35
It says on the Sainsbury's website that you collect 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months. I probably won't spend that much (£350) in Sainsbury's over 2 months. Anyone know if buying a £35 Amazon Gift Card for example would…
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Additional Balance Transfer
Hi all, how do additional balance transfer work? I’ve got one for 24 months with Virgin expires in April 22. They offered me an additional one that would expire July 21. How do the funds I pay get distributed? I could pay with no issues, but didn’t want to be paying interest once it expires. I know I should call them just…
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Loan or credit card
Hi We're remortgaging and want to borrow a little more for home improvements. After reading MSE remortgaging guide I'm reluctant to add this to our mortgage (due to paying back a lot more interest over time) and wondering whether to get a loan or credit card. We are looking at borrowing around £3,000 and would prefer…
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Credit utilization percentage and improving credit score
I was accepted for my first post-bankruptcy discharge credit card a few months ago (£1,000 limit, Vanquis Chrome, 24.9% APR - the best rate I could get unfortunately). I obtained it purely to improve my credit score, not because I needed credit. I've been using it for the occasional food shopping, and bits and pieces here…
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New Santander Zero CC Design
Ordered an additional card for the wife and this turned up.... mine is the old style with huge Santander across the top. I know it's only a card but people like to discuss the look - thoughts on this then..?
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Section 75 claim taking longer than expected
Hi everyone, I need an advice. I made a claim with my credit card provider for a service that was not provided. I made the claim in May and I was told that it will take up to 8 weeks for the issue to be resolved. I have called a few times since I haven’t got any response at all from the dispute team apart from the…
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Credit card balance in credit, getting a refund...
Hi all, Just after a bit of advice. We paid for our holiday to Jamaica on 2 credit cards making the final payments in April as per the terms of the holiday. Holiday was then cancelled last month and we got the refunds back on to the cards last week. As we had done balance transfers this has meant that both accounts are now…
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Can a balance transfer be done to a card not in your name?
As title really please. Can the balance of a credit card be easily transferred to someone else or a) is this not doable or b) have to jump through a lot of hoops to do so... Thank you for any help.
