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Paying new card
Hi, I recently opened a new credit card with Tesco. I have used it once. I now want to pay off the balance. I bank with HSBC . I tried to set up a new payee , and there is a list of businesses. I found a Tesco club card one which matches the start of my card number. So if I use that one, it shows a sort code and account…
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Help Needed Balance transfers- Should I do it?
Hi, I need some help/ advise. I have a Aqua credit card which I have had for 7 years, I used it to help me get my credit score up which it has done. I currently have £5500 on the card and think I would be best doing a balance transfer to a 0% card, I have checked and have been pre approved for a number of cards. My…
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Section 75 - What is covered?
I purchased a second-hand caravan from a dealer in 2019 on my Barclaycard. In 2020 after bringing out of winter storage I found it had serious problems with water leaking. I took it back to the dealer who stated he would not touch it as it was out of his warranty but then recited a tale that he had taken the same make of…
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Credit cards
Hello everyone, im 19 years old I just wanted to get more information if I should get a credit card as I do hopefully want to buy a house in the nearby future and stuff I did check my credit score and it’s on 646 and it’s in the poor band if you recommend I should open one can u give me more information thanks.
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Latest Increase offer
Hi mser's Surprised to receive Nationwide CC Increase offer today in writing. from 3k up to 3.5k. Which I'll accept. Whilst some may think 500 pounds isn't much, I find it's generous enough for one of many rarely used facilities. thanks
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What would you do?
Two credit cards to choose from, both 0% interest BTs with no fee. * Eligibility checker gave a pre-approval with a specific limit * Eligibility checker gave 95% chance of being accepted, but no mention of limit or pre-approval. Which one would you apply for? Pre-approval is the safer option but what if you wanted a higher…
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PayPal credit
I’m looking for some advice I have roughly got £2500 on PayPal credit and I was looking for a way to transfer it to credit card or something so I don’t have to pay the interest anymore . But I’ve never touched credit cards in my life and they frighten me.
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35 years, Multiple cards, 1st time Fraud ?!
Had credit cards for around 35 years now, currently have 8 cards, two primary, others to facilitate DDs and minimal use. Noticed a few days ago the first ever fraudulent? transactions on any card I've ever held and I've probably had maybe 50 over the years with, once upon a time being a prolific stoozer and still a rate…
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7 Near-prime Credit Cards
Is having 7 credit cards a bad thing? They are: Cap One x2 Barclaycard Forward Tesco Foundation Marbles Zopa 118118Money Total credit limit is £10,250 They are mostly paid off every month, a couple of small balances under 30% of limit.
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Section 75/chargeback if partial refund
Ordered some personalised pjs (over £115) direct from a small business and payed by credit card. My order has not arrived after waiting the required time of the seller. They originally said they would refund me if I hadn’t received it by today, but now saying they can resend half my order and refund the other half. That is…
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Interest charges on interest free card
Hi I’ve taken out a MBNA credit card to pay for a holiday costing £2600. . The card is 21 months interest free. However, the past 2 months they have charged me £7.34 and £5.69 in interest? I pay the minimum payments at the moment, as the holiday may be cancelled due to covid restrictions in india, but always pay on time.…
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paying loan with credit card
Hello MSE peoples! Other than the Curve Card and a Money Transfer card, is there anyway of paying off a personal loan with a credit card (little hacks as it were). There used to be products whereby you could top up accounts with a credit card (such as savings apps). Any prepaid cards that can be topped up using a credit…
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Paying Barclaycard
OK, so I wanted a VISA card to go alongside my Mastercard. I only had the one CC which is not a great idea. I applied to Barclaycard and they sent me a card :) Today I received the first bill from Barclaycard, but there is no method to pay by post. All I want to do is send them a cheque with the little slip like I have…
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Credit Card Available credit vs balance
Hello There, So I made a payment onto my card and my available credit increased right away do to payment being by faster payment. However my balance doesn't reflect this. If I were to now use my available credit this would seemingly take my balance over my limit..So What is the situation here, my available credit is false…
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Credit card refusal
Hello, I'm a home owner, mortgage left is about 1/5 of the house value. My Experian score is max and Clearscore is very high as well. 50k/year salary outside London, no credit cards ATM. I've had 2 credit cards with Tesco in the past (not in the last couple of years though) and never missed a payment, cleared the debt at…
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Sainsbury Mastercard credit card-interest charged on every purchase-is this normal?
My Sainsbury 21 month free transaction offer has just expired. No problem but they are now charging interest on every purchase even if the total monthly due balance is paid in full & on time? I wondered whether this is legitimate? I assumed wrongly perhaps that interest could only be charged if the monthly balance was not…
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Subscriptions - Credit Card
Hi could you share some tips on how to avoid recurring payments from different subscriptions websites. A few months ago I subscribed to many different websites that offer you 14 day free trials (online courses, software, coaching programs etc) and as I had no money in that bank/card I didn't bother to cancel the…
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Vanquis Credit Sudden And Big Limit Decrease
Type your messageI received an urgent email from Vanquis this morning stating that my credit limit of almost 2K has been reduced down to £100 with immediate effect. They they have reduced this due to something on my Experian credit file however they won't go into detail. Earlier on today I checked my report and there is…
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Another Credit card wanted. suggestions please
So I like to have 2 and one is a VisaThe Mastercard I have is an M&S one and they've become increasingly difficult to contact customer services and for online transactions they have only offered an app. which I don't use with my phone.Is there any card that is Mastercard that has good customer response that you might…
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Spending limit on 0% purchasing credit card
Hi, is there a way to find out the spending limit on 0% purchasing credit cards before application? I dont want to apply and find out its for a smaller amount than I need and have it affect my credit score for no reason. Thanks in advance