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Interest freezem
Hi does anyone know if credit score is affected if you ask your c-card company to reduce or freeze interest for a period of time. Thanks
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Money transfers and credit history
It's a long time since I played these games. Can anybody remind me how money transfers are shown in the credit history? It's Barclaycard if this makes any difference. I know, ATM withdrawals have only minor negative effect, but prefer to avoid even this.
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The logic behind "reducing credit limit because of high utilisation"
Just received a letter today from Barclaycard dated 26 May, saying that on 30 May they're reducing my credit limit from 8200 to 7250 "to reduce risk" blah blah. I took advantage of their money transfer offer and transferred 90% of the available credit limit. Some people on this forum said they used to make money transfer…
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Refunds
I purchased a refurbished golf watch from factory outlet store. The watch is defective. I paid with my credit card. I have requested a refund but the emails I received from the company only mention credit/ Exchange. As the watch is not “fit for purpose“ it is my understanding that I am entitled to a refund even though in…
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Tesco Credit Card (2022)
Hi all, new to the board but wanted to share my (mostly positive!) experience of applying credit card with Tesco Bank because when I last searched around many of the threads on this were quite old. i dont have the most interstellar credit record, so I applied fully expecting to be turned away, but surprisingly the…
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Credit Card Question
Hi, I'm attempting to get myself out a pretty heavy debt situation. At this point I'm manageable, as in I can afford all my monthly payments, I haven't missed a payment and in many of the cards I'm paying off much more than the minimum each month. However the issue has been that on one of my cards I've been spending quite…
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My husband's cards have been lost but he can't report it
My husband was diagnsed a while ago with a malignant brain tumour, and was having (palliative) treatment for it. 3 weeks ago (while I was away on business) he collapsed in our house early one morning, was (luckily) found by the decorator, and was taken to hospital. He went overnight from full time work, fully independent…
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Barclaycard CC eligibility
Hi all, 5 years ago I entered in to an IVA (reluctantly) - Barclaycard was one of my creditors. I am now slowly rebuilding my reports after discharging myself in October last year. I regularly review MSE Credit Club, Clearscore and Credit Karma to ensure my details are fully accurate and up to date. Today I have done a CC…
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Transfer to empty card
Hi, I'm trying to transfer from an amazon card, but no providers seem to recognise the number (or allow transfers to/from it). I've transferred to a different (empty) card before and then been able to get the credit balance sent to my bank. Has anyone got stuck doing this, I.e empty card refuses to send to bank, or just…
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Avoid Negative Credit Score When Cancelling a Card
My understanding is that when you cancel a credit card (that was in good standing, i.e. balance fully paid), this then presents itself as a "negative" within your credit score. For years, I've avoided this by keeping cards I don't really want or need and making a small purchase every six months or so and then paying it off…
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Balance Transafer Card - Maximum Amount
There seems to be plenty of choice for balance transfer cards, but at what point are you told what the maximum amount you can transfer is? I don't want it to be after the company has checked all my details because by that point there's been a mark on your credit file and if the amount is low then you may want to go for…
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Credit cards which can be paid by debit card over the phone or online
Hello, Does anyone know of any credit cards which can be paid by debit card ? Either over the phone or online ? Anyone used a debit card to pay for a credit in a bank ? Thank you for all replies.
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BA AMEX or B’card Avios?
I currently have a BA Amex CC which I obtained in order to collect Avios points. The annual fee is £250. However, I am now getting a B’card Avios Mastercharge (which more retailers are likely to accept v’s Amex) and will be able to collect my Avios points that way. Will I lose out in any way with BA if I then ditch my BA…
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Balance transfer fee question
Hi. I am considering transferring a credit card balance from M&S to a new Sainsbury card offering a No balance transfer fee. However, and I am new to this, - the current M&S details a charge of 2.9% of the balance transferred. When I used the M&S chat it stated that a one time balance transfer fee is payable every time you…
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Prepaid card that I can top up at he Post Office?
Hi everyone. Could someone recommend me a prepaid Visa Debit card that I can top up with cash at my local post office, please? Most of the ones I've seen seem to be able to only be topped up via a bank account/other card but I'd like to be able to top up the card with cash at the post office if possible. I want to be able…
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Ombudsman for section 75 dispute?
Capital One are asking me the same questions, twice now, and I've said that if there's something wrong with what I've uploaded, please tell me what's wrong with it, and provide clarification They instead are copying and pasting communication from before, so I've had to just reattach the information they've asked for This…
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Balance Transfer - A couple of Quick Questions
Hi, I have a Santander Credit Card that I took out for a balance transfer some time ago that is not coming to the end of it's 0%. I would like to transfer the balance of this card, and two others (Amex, HSBC Mastercard) onto one new card. It's not a huge amount in total, about £3k 1) Are you able to transfer the balances…
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0% credit card for overseas holiday and maintaining credit record?
I joined MSE specifically ask this question, so I apologise in advance for my lack of understanding and any violations of forum etiquette. Background: I do not have a credit card, having never found it necessary and being a bit naive with regard to personal finances, despite being numerate and tech-savvy. I pay for things…
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Refunds on credit cards wrong interest rate
Hi, can someone please explain if this is normal, example below. £1000 on 4% interest deal Bought a product for £400 which would be charged at 17%. Item was not good so refunded. As refund was quick it took the money off the 4% interest so it looks like this£600 on 4% £400 on 17% When I think it should be left on £1000 4%…
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Santander
Hi, Do you know if Santander does pre approval offers for existing current account customers? I know Nationwide and Halifax does it so just wondered if there is similar with Santander. Thank
