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Would you keep or close Barclaycard given their recent actions?
Just paid off my Barclaycard with a £6k limit that I've had since 2014 (second longest account bar my current account) In the past I've had a few cycles of clearing it then balance transferring other CC balances onto it, however I haven't had any BT or MT offers from them since well before covid (so 3-4 years), and with…
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Sainsbury's Bank wrongly charges credit card customers late payment fees
Sainsbury’s Bank has apologised after credit card customers were charged late payment fees despite making their monthly payments on time. Read the full story: Sainsbury's Bank wrongly charges credit card customers late payment fees If you haven’t already, join the forum to reply.
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Online access to Sainsburys bank not working
Hi, I've been trying to make online payments with my Sainsburys Credit card and the OTP takes so long to arrive that the web site I am buying from times out. I have the same problem trying to log onto online baking I have tried phoning them but after 30 minutes of waiting I have given up are others experiencing this…
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Can’t balance transfer - MBNA
Hi I’m trying to do a balance transfer from my MBNA credit card to a Tesco Bank credit card. It accepted me up until the balance transfer section and said it can’t accept balance transfers from this type of card. When I’ve looked into this further it seems that MBNA supply Tesco Credit cards and quite a lot of other ones…
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Balance transfer or spending card
Hello, last year I applied for Bounce back loan. After 2 months I will start repaying the loan with 2.5% interest. Could I apply for a credit card without fees and interest to repay my loan fully and purchase a used car as well? Then I will repay the credit card monthly without any interest for the specific duration. What…
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Interest charges
I owe £2400 on a credit card that needs to be paid by Sunday 9th January. I have repaid £1500 so have £900 remaining. The apr is 49% so how can I work out how much the interest will be going forward
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Using balance transfer a second time
Hi. I did a balance transfer to a Virgin credit card which I paid off in good order, and the card has been dormant since. I then did another balance transfer deal with MBNA which again I'm just about to complete paying off. I've got another card charging interest and would like to transfer this balance to a non interest…
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How long roughly for ombudsman to be allocated to case on average?
Hello A capital One credit card was fraudulently opened using my details and they refused to accept my claim of fraud so I taken it to the financial ombudsman service. The adjudicator upheld my complaint that Capital One acted unfairly in not closing down the account however Capital One disagreed and asked for an ombudsman…
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Any Banks in London that dispense Euros?
I have a euro account (within SEPA) and was wondering whether there are any banks in London that will allow me to withdraw euros free of charge?Or could I just go into my local bank?
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Chip and Pin Fraud
This has been discussed previously albeit approx 12 years ago.Last year in October I was on holiday in the Republic of Ireland. I have a Starling bank card with a sterling and euro account.I used the bank card to pay for a meal in Euros at the hotel we were staying at for 96.30 Euros on Sunday 3rd October. I never used the…
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Barclaycard 'Verified by Visa' incorrect phone number
I tried to purchase something for £450 online yesterday using my Barclaycard which triggered the 'Verfied by Visa' screen The problem is the only option it gives me to verify is to text a code to a mobile number that I no longer use! Oddly I triple checked my mobile number in the Barclaycard online banking and it is set to…
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Why am I not approved for a new credit card?
I have a great credit store and pay 2 cards off in full each month. I have never missed a payment. I have one credit card with a 0% balance transfer on. I have tried to see if I can get approved for a new card and all say 0% chance - even the bad debtors one. Can I do anything about this?
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Why is my credit card's Total Balance higher than my total number of purchases?
Hi everyone, I have an American Express card, which I use for most purchases where I can. My current Total Balance is listed as £637.75. However, if I count up my purchases on my card since my last direct debit was taken, it only totals as £401.51 (this includes a pending purchase as well). I'm not sure why there is a…
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Should I take increase on a high APR card?
Hi all, I have been improving my credit successfully for the past 2 years after previously having had bad credit One of my cards is an Aqua Classic, with a high APR (45-50%). I accepted 2-3 increases so far, but have now been offered an increase to £3.3k and am unsure if I should take it. I know the advice usually given is…
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Old CC or Fraud?
I had a CC with Tesco Bank which was closed in 2016. I can see all the data in my MoneysavingCreditClub dashboard. Early in 2021 I received genuine Tesco Bank emails about my Credit Card statement. I called and spoke with multiple people over the summer, but none could get me into my account as supposedly my addresses and…
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S.75 Consumer Credit Act protection for the disabled
I manage Power of Attorney for my adult disabled son. At times I need or may need to make larger purchases for him online. Is there any way that I can get the security of Section 75 of the Consumer Credit Act 1974 for this? Personally I use my credit card for most things and clear the full balance every month by Direct…
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Aqua / Marbles etc - how to access statements older than 6 months?
I want to access these but Aqua doesn't seem to have an option on their account settings to message them in writing. I have set my statements up as eStatements but they disappear into a black hole after 6 months – how do I request older ones? I called them earlier and they said if I've got eStatements set up it's my…
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Credit card as bank account
Hello everyone, I've seen a few people talking about never having a bank account and only having a credit card where the person's wages go and direct debits come out etc. Is it worth swapping? And advice would be appreciated
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balance transfer but no purchase 0%
hi all cut a long story short i`m after a new tv £1500 credit file is perfect etc no debt all 3 cc etc high limits 10k+ ive called 1 of my high st card co up asked if i can have a 0% purchase and came back no but a 3% bt and a money transfer 24mths i could get the tv on pay in full in 12 mths interest free from the…
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Santander All in One Credit- Processing times
Hey! Has anyone recently applied to the All in One credit card? I wanted to ask how long it took for a decision to come? Normally I had decisions straight away but for this, I got an email saying they will be in touch soon? I applied today (bank holiday) so would this impact it? Thank you :)
