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Transfer current account to new bank - do I keep the same credit card limit and overdraft limit?
I'm thinking of transferring my bank account to a new bank. I currently have a current account and a credit card with one of the major UK banks but I'm worried I won't get to keep my overdraft or credit card limit if I move because I am on disability benefits and don't have a job. I've always paid off all of my debts and…
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amex loss
hi all keep this short, excellent credit file etc, no debt etc etc blah blah, loads of offers for 0% etc, but love using my amex card for nectar points intending buying new tv £1500, credit on cards 30k usage pay in full every months cpl 000 chatted to amex to see if they offer me 0%, ans none at all for anyone, tried to…
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Tesco credit card
Had an unexpected overlomit charge appear after doing a balance transfer. I wondered how this was possible as you are only allowed to transfer 95% of your credit limit. Telephoned them and they refunded the fee immediately. They gave no meaningful explanation as to how it was possible. They said they would pass the problem…
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Unable to use card & contact CS
Hello, I've been unable to use my credit card since the middle of March (2022), I have absolutely no idea why this has happened as I've had the card for 15 years without an issue. However I simply can't get in contact with the company who the card is with, I've tried e-mails, phone calls and even a letter with zero…
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CC Section 75 exceeding the £30k limit - options?
We are planning a once-a-life-time holiday, with a cost of £35k. Very keen to protect the fully paid in advance cost, paying to get additional discount - but with obvious risk in current global situation(s). Section 75 helps purchases between £100 to £30,000. Our booking (for two people) is £35k. Should we ask the travel…
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Close Down or Leave Open?
I have two Barclaycard CCs, both have credit limits of about 7k. Both balances have been zero for about two years. I never get any "offers" to transfer from other cards for 0% Should I close them doen, or should I leave them open, as they look good on my credit record of 14k available credit which is not being used.? Thanks
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Increasing Credit Card Limit
Hi. I’ve been informed by my Credit Card Provider that I’m eligible to increase my available limit on the card. I’m in two minds to do it or not as I’m not sure if it affects my credit score taking a large portion of my available total limit. I’ve never gone over my limit now and I’ve always paid in full well before the…
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How do zero percent balance transfers work?
I have a credit card (Tesco) which has about £6,000 of debt on it. The 0% interest offer on that card is about to run out. However, that card has a 0% balance transfer offer on it. I have an empty Natwest credit card with a £4k limit. It has no 0% offers available. I want to transfer the £6,000 from Tesco to Natwest, then…
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Halifax Credit Card - customer service issues by post only - reasonable?
I am wondering some MSE opinions on this... I am currently dealing with Halifax about some issues with my credit card. However, I tried calling and speaking to them via the mobile app chat but they say that customer service issues can only be discussed in writing, and by that they mean by letter / post. Slightly surprised…
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Section 75 claims
We paid by credit card for installation of a new dish for Sky Q. The guy who installed it originally called only to check the strength of our existing signal (we are on a communal system living in a flat) and found it not to be good enough and persuaded us that he could fit a new dish straight away so that we were not…
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Section 75 Help with eBay Managed Payments
Hi. I am looking for a definitive answer on whether Section 75 protects me with payments to ebay by a credit card - no paypal involved. I find a case on this forum about this, but it does not seem conclusive. I suppose the question is are ebay the seller, or an agent and thus the chain is broken?
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Tesco Mobile online card payment
I have a pay as you go Tesco Mobile telephone number. When I use my Lloyds Bank visa debit card to pay for a top up, a error occurs, the error message just says that there is an error, and the top up does not go through. This has happened several times. I rang Tesco Mobile and they could not help, but suggested that I ring…
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Interest free periods
How do interest free periods work? Most say you have 56 days interest free from the date of purchase. Does this mean 56 days from the date of each purchase or does it mean 56 days from the first purchase made after your previous credit was cleared?
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American Express British Airways Avios welcome points con
As an American Express cardholder of over 14 years I was targeted for their British Airways Avios card. Stating a welcome gift of 10000 Avios points if spending over a £1k in the first three months (offer normally 5000 points). I duly applied and received my card. Having used it for the first three months exceeding their…
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Query
Does anyone know how long it takes to be approved for a sainsburys balance transfer card? Applied on line last week and have heard nothing - not even an acknowledgment email
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Barclaycard Credit Card
Trying to log in all weekend & again today. Keep getting the message "There's been a problem with our system. Currently unable to log you in, please try again later". Tried ringing as still can't access, seems there may be at least a 30min wait on the phone......"you may wish to try again later". Anyone know if there IS a…
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Card with S.75 Protections but not CREDIT
Hi all Ditched the Credit Cards and promised myself I will never have one again. However, I occasionally need to make quite large online purchases (Max usually £1,500). The money is refunded to me very quickly from the organisation I make the purchases on behalf of. However rather than use a debit card, I want the…
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Balance transfer - Interest on first statement
I’ve done a balance transfer with HSBC on £1k for 18 months at an interest rate of 1.6% for 18 months. I know I could get it 0% but plan to pay it off in two months and already had the card so it was easier to do it this way. What has confused me slightly as on my first statement they’ve charged me £1.60 interest. My…
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Creation did not credit a transfer of £1,000 made into their account
On the 13 of April I made a transfer of £1,000 to cover my Credit Card debt, it's a card I don't use on a daily basis so today I was surprised to discover a monthly email saying I owe them £1,004.86 - they charged me £4.86 of interest for that £1,000 cash payment. But I did transfer them on the 13th of April already £1,000…
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Card Transaction "disappeared"
I made a large purchase from eBay last week (16th) with my card and I paid directly rather than Paypal. The balance and amount available reflected the amount spent, but, to be honest, I can't remember initially if it was pending or if it had been fully claimed. I'm going to say I'm 99% sure it was pending though. The item…