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Questions from a Credit Card Virgin
Hi, I'll be applying for my first credit card soon. I've been pre-approved for a credit-builder card with a 34.9% APR rate, which I only want to use to build credit because I've never had a credit card before and will hopefully be taking out a mortgage next year. I understand I need to pay the minimum repayment every month…
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Section 75, am I eligible?
Hey guys Hope someone can help. Booked trip back in feb to New York for sept, at the same time we purchased 2 ‘New York passes’ - essentially this is a pass that covers several attractions whilst there. Around May we received an email from virgin giving us the option to take a credit for our flights, we took this. I…
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Can my wife be rejected a credit card from my debt
My wife has never had a credit card before and she had just applied for a Tesco one that is designed for someone who has no/bad credit. She has fairly good earning around 40k but she has been rejected. I have credit card debt of around 10k but I always pay on time. Could she have been rejected because of me or is it…
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Does Capital One’s fraud protection still cover other cards even if those cards aren’t from them?
I’ve had a Capital One card for many years now. I initially signed up to this thanks to an article on here informing us of their fraud protection covering other cards, even if those cards weren’t from Capital One. I’m wondering if they still do this as I’m wondering if it’s better to just cancel this account and use my…
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Sensible credit utilisation % of a 0% balance transfer credit card?
My overall CUR across all my credit cards is about 30% which I understand is about right for lenders. However that masks the fact that I have three cards with CUR of 50%, 90% and 95% and others with a few pounds credit used and paid off. My credit score has been tumbling, I know that’s just a figure for CRA marketing but…
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Revolut won’t give me my money back
Hi, I am getting increasingly frustrated with Revolut. I used to use it as a travel payment card which seemed to work well until I tried to use it in Spain in July. The card didn't work so I transferred £1000 to the account. Revolut had asked me to provide information about my money in April, but I had not seen this - I…
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Post Office Credit Card becomes a Jaja Credit Card.
I've had a PO credit for many years which I only use for travel (what's that???!!!). It's changing to Jaja which I've never heard of but I can't work out if it's still a good choice for holiday spending or if I should use my Halifax Clarity? Can anyone advise please?
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Foreign Balance Transfers
Hi, wondered if anyone can advise.... I have credit card balance on a South African credit card but am now returned living in UK Are there any credit cards which offer a balance transfer on a foreign credit card? Thank you
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0% balance transfer credit card
Hello. I am a stay at home mum and I currently have a Santander credit card. My partner has a business and pays all the bills and gives me a monthly allowance. I am looking to transfer it into a 0% but am finding it difficult to be accepted as I don’t have an annual income. Can anyone help me to find a credit card that I…
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Best first credit card for an 18 year old
Hi, I’ve recently turned 18 and was wondering what is the best credit card to start building up my credit history with? thanks, Ben
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American Express Purchase Rate question
Probably a stupid question that I know the answer to but I want to double check for peace of mind. I got accepted for the Amex Nectar card but I noticed on the details page it has the usual APR of 27%~ and listed separately it has a 'Purchase rate' of 22%~ Am I correct in thinking that if I pay off all my Purchases in full…
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Virgin Credit Card
Hi all, New to this thread so high. Just had a very interesting call with Virgin credit card...well my wife did. My wife got an email asking for us to call due to suspicious activity on the account. I always deal with the finances in our household so although the card is in her name i pay it every month. So she called…
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Differences in balance transfer and purchases promotional periods
I took out a NatWest credit card recently (few months ago) which comes attached with two promotional offers: 1. 0% for balance transfers until March 2022 2. 0% for purchases until October 2020 My outstanding balance is majority from a balance transfer and some additional spending, I have had a direct debit setup to meet…
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0% transfer cards, not sure what that means
Hi guys I took out Vanquis and Capital One credit building credit cards last year and their interest rates are very high. I have been told that I can transfer the owed balance to cards that do not charge interest, and I would juts be paying off what ive spent. This sounds great, but will this negatively affect my credit…
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RBS/Natwest 0% fee 0% Balance Transfer 20 months
I'm clicking through from moneysavingexpert.com to the RBS website to apply for this offer but it is saying that the 0% period is 18 months and the fee is 0.49%. I'm presuming the offer has been pulled and moneysavingexpert.com haven't updated their balance transfer page yet?
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PayPal credit - large refund - how do I get my money back?
Paid for my sofa via PayPal credit over 4 months 0%. Fast forward 6 months sofa goes back and 2500 refunded to PayPal credit. ive spent 3 hours going round and round trying to work out how and if I can get my money back to my bank account, Help please
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Do any other credit cards not showing pending transactions?
Used my M&S credit card last week after clearing off a two year balance transfer, and was surprised (maybe just me) to see that they do not show the pending transactions. The available credit is adjusted down but does not show where and then the merchant and transaction pops up a few days later when it has cleared. The…
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Balance transfer dates
Looking at the M&S balance transfer card which says 0% on balance transfers for 28 months, available for 90 days from account opening (2.85% fee applies, minimum £5). If I transferred a balance on getting the card say on 1/10/2020, and then transferred another balance on 1/11/2020 and another on 1/12/2020 (subject to…
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Balance transfers
It's a long time since I made a balance transfer to make use of an interest free period. I currently have a high interest rate MBNA card , account taken out a few years back to make use of an interest free period. It has a balance of £150 on it. I have a balance of £3500 on a Tesco credit which has just come to the end of…
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Goods received we didn’t order
I’m not sure if this is the correct forum for this subject. We received two packages from an online retailer addressed to our house but the recipients name was not one we recognised. Delivery was by ParcelForce and the driver just handed me the items and walked away. I didn’t look at the recipients name until he had gone…
