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HSBC 0% period ending, how is interest worked out?
Hello, my internet free period is ending, my credit score is good but since the pandemic I haven’t had any offers for balance transfers or loans (except the legal sharks that I know not to use) so I’m going to have to start paying interest, my worry is that if it’s backdated interest to the date of each purchase it could…
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Persistent Debt M&S
I have a persistent debt letter from M&S and I have phoned them up to discuss an increased repayment plan which I can afford. However they won’t agree to it unless I go through all my monthly income and outgoings with them which I feel uncomfortable with. Does anyone know if I can refuse to do this and if so what the…
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What is my best option
I currently have a 0% balance transfer credit card which offer ends April 2021. With the current payments I am making I will be left with a 2k shortfall at the end of the term. I am also currently paying an exceptionally high interest rate on a store card which I would like to transfer. My question is this. (A) Do I…
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Annoyed at Santander
Did an elegibility checker for the 0% no fee balance transfer card and it said I was likely to get accepted at a particular limit. I applied for a card and asked to transfer £200 more than the amount they told me. I reckoned that if they didn't accept the transfer of the amount I wanted, then they'd just give me a lower…
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Closed Credit Card - No final statement
Looking for some advice, I cancelled my credit card a few months ago (Santander 123) and wasn't ever sent a final statement. I asked them about this but was told as the account is now closed they don't have access to this! They could only tell me that it was paid off in full (as it wouldn't be possible to cancel it…
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not charged for online credit
Hi, Bit of an odd question I 'bought' a GPS golf watch from an online golf store, when going to the check out there was an option for interest free credit, upon entering my details I was exited from the site. Cut a long story shot , I recd the goods BUT as they say "no credit agreement is in place" , they have not taken my…
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0%
Hi, I was wondering if anyone was in the same situation. I have a Barclaycard and used to get balance transfer offers on a monthly basis. I haven’t had any for a while. My situation hasn’t changed and o have decent credit. My current balance is £900 with a credit limit of £13000. I was hoping to do a balance transfer in…
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Is it legal to charge an extra fee if I pay with a Credit Card
Is it legal now to charge and extra fee if choosing to pay with a credit card? If so why does the DVLA still charge £2.50 to pay road tax on line with a CC?
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Partner's credit card bill is rising in interest, but fears new card will affect credit history
My partner has an increasing credit card bill and is seeing around £80 a month being whacked on in interest. She has a bill for around £5,000. I've encouraged her to do something about it - say get a new card and do a balance transfer. But her fear is being rejected and it impacting her credit history. I can't see why she…
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Credit Card Debts Statute Barred or not ?
So I have some old credit card debt that was run up by my ex, which defaulted in 2014/2015 after we split up. We are now divorced but in 2019 after the divorce was finalised I wrote to each creditor asking for settlement amounts. Does this count as acknowledgement of the debts ? Some have now dropped off my credit file and…
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Level Card 29.9
Nice to see a recent 100% pre approval -no guarantee of course. 29.9%apr is amongst the rates of acceptance recent years, not the best and almost 10% short of the highest held rate. Is it a good idea to apply, if accepted maybe get into shopping habit and pay off in full each month. This is only 2nd recent pre approval…
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Fluid credit card "cash withdrawal" charges
I recently obtained a "Fluid" credit card. I had previously used either another credit card or my bank debit card for various payments. I use Lotto Social to make occasional payments for Lotto tickets. I have found that if I use the Fluid card to make small payments to Lotto Social (although I am not making a cash…
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section 75 claims
How long is it reasonable to have to wait for a refund on a credit card payment under section 75 at the present time. I submitted a claim to John Lewis on 17th March for a deposit for a holiday after the travel agent went into administration on 13th March. I was contacted by HSBC my disputes on 2nd June to re-sign a form…
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Join two More cards to an account.
Is this possible. I have the app now but could not register my existing card (it has no 4 digit code and phoning the help line is now closed to all calls). So I have a new card for online shopping and want to add my partners card so when she uses it the point go to my account. Advice appreciated.
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Shift Credit Card Debt while on Maternity Leave?
Hi all, My partner has 4.5k on her HSBC credit card, and was originally planning to balance transfer to a 0% card this month when the HSBC card's 22.9% interest rate kicks in. However, we have been turned down for a balance transfer card (from NatWest) because my partner is on maternity until March and we only took our…
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Sainsburys credit card
Hi all. I've been approved for a sainsburys credit card, interest free on purchases and balance transfers for 12 months. I have a loan which is 3.9% Apr from hitachi, I'd like to use the credit card to pay off £1500 from the loan. Am I able to do this with the sainsburys card? Will it be classed as a purchase and therefore…
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Halifax credit card and ISA + trading accounts linked
HelloI have a Halifax credit card and a Halifax stocks & shares ISA + a linked share trading account. I have two separate sets of login user names and passwords:- One for the credit card account.- One for the ISA + linked trading account.Recently the Halifax linked the accounts together. What this means is that when I now…
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Paying money back onto another credit card from a refund on another credit card?
Due to Covid-19 we had to cancel our flights to Australia which we so we ended up with in credit on the original credit card we had paid for the flights on. My problem is that we had transferred that balance onto another credit card which had a 0% interest deal, but we now need to pop that refunded money from the original…
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Future implications.
Hi there, a few years ago my wife was the victim of two credit card frauds, cards/account fraudulently opened in her name. This happened long before we met and was done in her maiden name by an ex (then current bf) who was a complete *******. Unfortunately as is her way she kept quiet and it was 'too late' to do anything…
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Argos Card Refund Help
Hi, hope someone can help. I know I should speak to Argos about this but the staff don't seem to be sure what will happen. I bought a games console for £300 using my argos store card on a 6 month BNPL everything was fine and i paid £50 to clear some of the balance. The console developed a fault so i took it back and was…
