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Recommended (optional) payment on Fluid going up and up
Hi I have a fluid cc that I pay the contractual amount every month. But they keep adding this optional amount often double the contractual causing me hardship. Can't I just add a lower optional amount? I feel pushed every month to pay this vastly extra amount. Anyone else experienced this?
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Amazon payment problem
I'm having a strange payment problem with Amazon. I placed an order last Friday that Amazon broke into two orders (one to be delivered by them today!, the other not). Afterwards I got an email saying " Problem with your payment" and talking about pending verification. I've assumed this is due to the new rules about…
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Should I use credit card or 1% cash back debit card?
Hi! Just wondered if anyone had any advice. I am a student, but previously I wa working so was able to get a British Airways AMEX credit card, and been using this for over a year for everyday purchases ensuring it gets paid off of course, in order to build my credit score. However, the other day I signed up for the new…
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Cancel balance transfer card or not?
I have 2 credit cards, one with my main bank Nationwide and another with Virgin Money that I did a balance transfer toBoth cards now have 0 balance though I used the Nationwide one each month for small things and clear it every month.Now that I have 2 credit cards with 0 balance and around 25k worth of credit I noticed my…
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Why did John Lewis Partnership card refuse my request for an increased limit?
I took out the JLP card in the summer of 2021 with a credit limit of £500 , each month I have made the minimum payment or paid off in full on time. 6 months ago I got a new job where I work more hours and my salary increased significantly. I requested to increase my credit limit to £1500 however this has been declined,…
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Window shutters wrong size.
Hello, We ordered 2 window shutters , cost £1100 and received them yesterday , however they have 4 panels , not 3 that we ordered , they are bespoke sizes. They would look horrible if fitted so I asked the seller to supply the correct shutters. They sent email reply showing the order but did not address the fact that they…
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Applying for Balance Transfer During Mortgage Application?
Looking for a bit of advice here - please be kind! My Barclay's credit card is coming close to the end of it's 0% interest free period. I currently have £1000 remaining on it which I cannot pay in full. My partner and I have recently been accepted for a Mortgage with Natwest on our first property. We wont be exchanging…
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Paying online but keeping my bank/card details safe
I mostly use Paypal for online purchases, as it does not give the vendor access to my card or account details. However I recently wanted to make a payment to a business that does not accept Paypal, and I didn't really want to give them my card details. It seems that a prepaid card would be the solution, but which to go…
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Card declined on online payment at American gateways
I tried to make an online payment at a website using Stripe for charging the cards, but my payment was declined with an unknown error (do_not_honor described at https://stripe.com/docs/error-codes/card-declined). It is said that the issuing bank refuses to complete the transaction. I tried three cards (from Santander,…
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Being charged for using credit card / not being allowed to?
Just checking I've not dreamed it. Is it correct that you no longer get (or should no longer get) charged a fee for using your credit card to buy something? For why I'm asking - my mother has bought a car in the 2k-3k bracket. It's having a door lock issue resolved before she picks it up & as you get protection £100 and…
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0% credit cards
Hi there Just asking if my husband is right in thinking that applying for a 0% credit card affects your credit score ? And also to check up to what total amount might be accepted on one of these cards ? And lastly if you don’t manage pay the complete amount off by the time that the offer expires what happens ? Can you swap…
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Level credit card beware!
I recently got a level credit card with a £500 credit limit. I wanted to build my credit score further BUT! Level credit card charged interest from date of purchase, no interest free period unless you subscribe to their clear balance every month through a continuous payment authority with your bank debit card! So I assumed…
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Refund for pre-ordered item, and company has gone bust....
I am sure I am flogging a dead horse now, but thought I would at least ask... Back in Feb 2021 I pre-ordered an item that was due to be released (a board game) later that year, probably around September, 2021 I believe... Anyway, with everything that has happened over the past couple of years, the game has been delayed,…
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Closing credit builder credit cards
Hi im looking to close down my credit builder credit cards. I recently got a balance transfer with Virgin card, 18 months 0 interest and and am looking to do a balance transfer to amex after the 18 months either British airways or Amex direct. i dont want too much credit be the reason to be denied an Amex card if that is…
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0% money & balance transfers of difference lengths.
Hi, So I have successfully applied for a new credit card with 0% on balance transfers for 33 months. I've transferred £5000 from another card, which I will be able to pay off within the 33 months. They also offer 0% money transfers but for only 12 months. I would like to do a money transfer of £1500, which I would be able…
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0%card to help clear £5000
I have managed to get a 0% credit card today 9 months £750 limit.. I'm trying to clear a high interest one of £5000 Is using the 750 one going to be worth it to help me clear some of the 5000.. Very new to this but want this credit card bill down I pay £280 ish a month what would be payment on 750? Please advise x
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Barclaycard Overcharge Refund Delayed
Hi - in the dim distant past I had four Barclaycard accounts - I received letters for all four saying I had been over-charged interest and fees and I would receive a refund (amounting to over £800). Having checked various sources (including MSE) to ensure this was not a scam I satisified myself this was a genuine issue. I…
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Barclaycard reward confusion
So we are due to go away soon and we need Bulgarian Lev. I have just got a Barclaycard reward card. I looked the leaflet but was confused about the rate of interest as it states 26.18 percent per year if o do cash withdrawals and buying currency. But it says 0 percent fees on cash transaction and non sterling purchase so…
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Capital one
Oh so I have a capital one card. 6 months tomorrow… I was told I would get increase after 5 months I don’t know what the truth actually is. Any idea why it not been done and how long is the actual time as I seen 5,6,8 months . Also i spent near all my limit but I pay 5x the amount asked every month will that stop me…
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Paypal Credit Dispute
On the 16th of March, whilst at our home in France, I ordered goods from the Netherlands using PayPal credit for 4 months interest-free, which I will have no problem paying back. the loan amount was for £800 ( A new mower and replace garden furniture damaged in a storm), When the goods arrived, I rejected the entire order…