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Sainsbury's 30 Second Time Out On 6 Digit Pin??
Please helppppp When I try to sign in to my new 0% Sainsbury's credit card account I have to input a random 3 out of 6 number pin within 30 seconds on my Tablet. The choice of the 6 pin numbers is restricted. 123489 is not allowed. The 30 seconds can time out before all the required digits have been entered. eg 1st, 4th,…
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Credit Card help - Abroad Wedding
Hello everyone, i hope you're all well and staying safe and sane. Me and my Fiancee are looking to book our wedding shortly for 2024. As it's going to cost between 13,000-16,000 euro's (wedding only) we wanted to ideally put it onto a reward credit card to help us with some rewards in the future - ideally something with…
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Amex accepted sensible limit
Nice to be accepted by Amex tonight, sensible 1700 limit. Though their Nectar card was tempting, opted for lower 22.2`% Platinum cash back card. Those spend thousands per... intro offers are way above my spending. What is the often posted concern about using Amex in retailers. thanks
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0% Balance transfer cancelled
Hi, my wife has just had her 0% balance transfer rate cancelled in bizarre circumstances and I wondered if anyone had any advice. She had switched her existing debt to a Fluid card with six months 0%APR on balance transfers and set up a direct debit to cover the six payments. The first direct debit went out fine but the…
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How much credit is too much?
Hi all – I’m a long-time reader of the forums, but this is
my first post! I’m looking for some advice about whether or not to close one or
more of my credit card accounts. Over time, I’ve built up to having four cards ; details and
credit limits noted below. Gradually over the years the credit limits for some
of them have…
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PayPal Credit Query
If you get a refund to PayPal credit and it puts account in credit or following a payment it puts your account on credit, can the credit be transferred to your bank account free of charge?
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Receipt for goods with all of the credit card
I am used to receipts with 12 * and the last 4 digits of the card used for payment. I never noticed at the time ( as I just checked the amount was correct.) but found an 8 month old receipt with all the 16 digits and expiry date of my debit card. The details to date have not been abused. But should I report this change…
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Interest free
Hi l could do with some advice lm looking for a 0% interest free, balance transfer credit card that has more than £5,000 limit! I’m wanting to pay of my dept with another credit card company and they are charging way too much interest!! Is there one out there?
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Newbie: first disappointment for CC refusal
Hi, new member of the forum here, but I have been reading MSE advices for the past couple of years. Last year I opened a Sainsbury's 0% CC, I have used it, repaid always more than the minimum (i.e. about 100-150£/month), now the promotion period is about to end so I decided I wanted to transfer the remaining balance (about…
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Selecting a billing date
I'm looking to do a balance transfer to a new card (not yet applied) and want to apply so the billing date falls in the first week of the month. I already have a few cards that have fixed dates for DDs. Is there a rule of thumb for timing this?
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Credit Card Purchase Protection Insurance
I bank with Cahoot (Santander} and have received an email informing me of a change to my Credit Card conditions, namely the withdrawal of Credit Card Purchase Protection (Section75 of the Consumer Credit Act). I have also noted online Nationwide may be doing the same. Has anyone received similar and under what powers are…
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Question for anyone with Barclaycard Rewards
So I got a Barclaycard Rewards card to use in conjunction with my AMEX card. When the purchase clears on AMEX I see the reward immediately in the app. So far i've spent £56.56 and haven't seen anything in the rewards section either in the app or online. I've had my first monthly statement yet no indication of any cashback.…
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Paying credit card with savings
I don't know if I should use some of my LISA savings to pay some of my credit card off. I try and pay a little more than the minimum payment. I looked at a balance transfer but since Aug 2020 my credit rating went down to fair and stayed the same rating. With this lower credit rating it is giving me very little in balance…
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Rebuilding credit worthiness - time to apply for second Credit Card...?
Hello all. I am rebuilding my credit worthiness - four years ago I made full and final settlements for two credit cards, having got myself in a right mess. I'm not going back there! A bit over a year ago I dared to apply for a mobile phone contract with Vodafone (who I understand can be a bit stricter), and was successful.…
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Should I decrease credit?
Hey everyone, I have a question. I have a lot of credit in my name and I am just wondering if I was to decrease it will that improve my credit score? So here is what I have. According to Credit Karma I have a score of 596 points which they say is fair. My current credit is: Virgin Credit card £2000 limit and currently have…
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NatWest Visa Card and joint account - change to single Mastercard. 2 cards 1 account still a thing?
My partner and I have been NatWest customers for many decades. We have always had a joint account, and up to now have had a credit card each on the same credit card account (not unusual AFAIK). I am the primary account holder. A letter arrived today saying that the card was being switched from Visa to Mastercard and would…
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Online purchase
Trying to buy a dress from La La Mira and got this email regarding my payment. Never had anything like this before and I am worried about sending the details they have requested. Is this legit? The company have a dodgy record on Trust Pilot. Thanks in advance for comments.
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Should I close my credit card accounts?
Morning all, I've just paid off my last bit of debt after a mammoth 19 years being in debt at varying levels... I have read what they say about closing accounts and your borrowing percentage affecting your credit rating but what about when you owe nothing? I'd really like to sign off this achievement by closing the lot,…
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Barclaycard (Forward) sharing data with Social Media Companies?
I’m considering a Barclaycard Forward CC so I’ve been taking
a look at their T and Cs. As well as all of the organisations that I’d expect to see –
CRAs, Fraud Prevention Agencies etc – it says: ‘We’ll keep your information confidential, but we may share
it with….Social Media Companies so that they can display messages…
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Which CC to balance transfer?
Hi, I'd really like some thoughts on a balance transfer. I have currently have 2 cards: one at 26% (£2,600 - paying £140 a month incl £64 interest) one at 13% (£11k - paying £323 a month incl £114 interest) I can do a transfer of around £6k, any advice on which would be the cheapest option would be much appreciated, as I'm…
