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Denied First Ever credit Card
My girlfriend is looking to purchase her first home either this year or next. And myself and her family think it would help immensely if she were to get a credit card to help build her credit score, as she’s never had one before. She has only one current account, and I’m pretty sure the only ‘credit’ facilities she would…
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Best credit cards and bank accounts for travel
My wife and I are going traveling for 2 years. I think the combination of credit cards and bank accounts below would be best, grateful for any thoughts and things I may have overlooked. Most travel will be in the Americas (north, central and south) but we will also head to Asia and Australasia and possibly Africa. Bank…
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Late/delayed refund
I have a nationwide credit card and used it to pay for flights via Expedia. The flight was cancelled and Expedia say they processed the refund within 5 working days but I did not get it so I rang them and they said Delta had not issued the refund yet. So I waited and it has been more than a month. Can I ask Nationwide to…
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Barclaycard secure messaging
Quick question about Barclaycard - have they ditched the Secure Messaging facility? I can no longer find it when I log on. Thanks.
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Can I transfer the balance of a closed account?
I'm currently repaying the balance on a barclay card credit card which was closed last year (due to persistent debt or whatever they call it) Because of the interest I'm barely making a dent into what I have left to pay (paying as much as I can afford each month). I've since acquired a 0% balance transfer card with just…
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Credit History Help - Chicken and Egg Scenario
Please advise - I have spent weeks reading
through the posts and guides, and really need some help, or to hear other people’s
experience. I returned home from the USA after many years, I
have no credit history here anymore. I was successful in getting on the electoral
role 3 months ago. I have direct debits coming out of…
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Amex Platinum Charge Bin Number
Hi Everyone, Recently i had receive my amex platinum charge and i try to check with the bin number with binbase.com and funny thing is...it showing it a centurion card lol Did amex issue amex plat charge bin no. same as centurion card now? or just binbase didnt update the card number database yet Cheers :)
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I paid off my Barclaycard purchases 6 days after statement, BC says it was "late"
So, I was charged interest on my Barclaycard, for the first time in my life. Luckily only £3.26, now refunded, but the question is why? I currently have a Money Transfer balance (over 7k) on my Barclaycard with 0% promotional rate till 2023. I regularly do some purchases on this card, around £220 per month, which is…
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Correct and honest way to show benefit income on a credit card application
I am disabled, with chronic illness so am in receipt of long term disability benefits. I classify myself as Retired due to Medical Reasons. I have a excellent credit history and use my two cards regularly, paying off the balance or nearly all each month. Due to a recent move, there have been some significant charges to my…
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Amazon Classic and Platinum credit cards will be scrapped from January 2023
Some 800,000 shoppers with Amazon Classic and Platinum Mastercards will no longer be able to use them from January 2023 as NewDay, the issuer, has walked away from the partnership Read the full story: Amazon Classic and Platinum credit cards will be scrapped from January 2023 If you haven’t already, join the forum to reply.
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Credit card advise please
Hi i am very confused and need someone to point in the right direction please. I currently have a virgin credit card with a balance on it. It was a 0% balance transfer card which has now elapsed. What I’d like to know is what type of card do I need that won’t charge me interest.
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Vanquis purchase charge
Hello, I have been using a vanquis card for 2 or 3 years. I make a point of clearing off the balance each month to avoid interest, and have done this for awhile now. Looking at my recent statement I noticed a charge called purchase interest charge. I queried this and was informed that vanquis put an automatic charge on…
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When to shift, would they extend?
Morning, my 0% interest free period ends on 21.4.22 with Sainsburys. I still have a balance to pay but it should only be another six months before its cleared. I qualify for the Santander card, I have done the eligibility checker this morning. Am I ok to go ahead with the balance transfer now? I am worried that leaving…
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Section 75 Help Required for Item Supposedly under warranty bought through eBay Managed Payments
Long story short. Bought a suite (large u shaped sofa) through Ebay. Bought new from a supposed shop/ebay store It is advertised as having a 12 month warranty Paid using a Visa Card (Barclaycard) so we thought
we would be covered if anything went wrong During delivery the deliverymen damaged our
property and the suite We…
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Unhappy with garage repairs - paid on credit card
Background: I broke down in December with a coolant low warning on my car. This was the only warning, and when I was recovered by AA the only fault found was that the coolant tank had split. This was repaired and a diagnostic found that there was another fault that caused and it required a timing belt, more coolant etc.…
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Section 75 trouble
Hi all. Having trouble getting my credit card provider to live up to their S75 obligations. I bought my wife a voucher for her birthday. She couldn’t use it because of the first lockdown so we phoned the company who had issued it to get it extended. They agreed. When we called back to use the voucher, we found the company…
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Creation credit cards
After looking on the Creation Finance website, I see they are no longer issuing cards to new customers? Anyone know why this is and if they will be offering their credit cards on the market again?
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Experian Credit Card Application leading to false interest info
Hi, So I ran a credit card comparison eligibility check to see what is available to myself based on my criteria on EXPERIAN I found one fitting my criteria which was specifically “9 months 0% purchase” I had gone through the application now and applied for this credit card for the reason it being 9 months purchase 0%…
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Timing for closing one credit card and opening another... what's the best way to get the best deals?
I keep good track of my credit file through the MSE Credit club and I have quite a lot of credit available to me now, most of which I don't use. However, i have maximised the use of credit available to me within what I can afford. Included in my credit availability is my current 0% credit card with Sainsbury's. The 0% ends…
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MBNA - Praise where Praise is due.
My inaugural post, so I thought I would start on a happy note (before launching into Amazon Customer Services!). I have been having serious problems with Amazon since mid-February over a fraudulent transaction. Credit to them, they did detect it, but then seemed to demonise me for having the temerity to be an Amazon…