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Cancelled credit card and re-applied
Hi, I recently applied for a Tesco Bank balance transfer credit card, and was approved. However when I tried to add my current credit card that I want to transfer the balance of, it kept producing an error and would not allow me to add the card. I did not want to proceed with getting this new credit card if I wasn't going…
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Paypal Credit repayment confusion.
Hello there, I have a Paypal Credit account with 2 purchases. One purchase over 3 years and another purchase to be paid in 4 months. I have tried making payments to my 4 month purchase, but it pays the balance outstanding on the 3 year purchase. There is no seperate payment option and it is confusing the hell out of me. I…
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Credit card - unfair late payment fee
Hi, need a bit of advice... I have a credit card, I have a DD set up to pay it off in full every month. Just noticed I was charged a late payment fee as the DD was not collected (enough money was in the account). I have never missed a payment in my life so this is really annoying. What do I do now? Can I complain to the…
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Credit Card 5k pay back later
Are there any credit cards I can get easily to use to pay for a surgery I need in Poland - 5k - then pay after a year? Thanks in advance.
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Given credit card I don't want - what to do?
Hello, I attempted to order a mobile phone and sim contract package through Currys. I wanted to pay monthly rather than outright so clicked their Your Plan option. I clicked order and got an email confirming my Your Plan account and £2000 credit but no phone due to a technical glitch. By the time I went into Currys in…
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Virgin CC acceptance with old CCJ
Hi everyone, I've been pre-approved for a Virgin Money CC which I was interested in as it had a 0% balance transfer offer. My question is I have a historic CCJ from Aug 2018 which was satisfied by Oct 2018. Has anyone else in similar circumstances been accepted/declined by Virgin? I've had a nose about online, from what…
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Not heard about account application
I applied for a balance transfer credit card with HSBC 26/27 April. I have heard nothing from them since. I didn't receive an acknowledgement of my application either. I can see from my credit file that HSBC have done a soft search. I have been unable to contact them by phone as I need an account number and their chat is a…
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Section 75 - bad workmanship
Hi, Looking for some advice please on a recent flooring installation we had completed. The majority of it is fine in the living room and hall however the kitchen is poorly done for a number of reasons (not enough screed, badly cut and shoddy looking round island, loose tiles) and I really ideally think it needs completely…
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Virgin Money - full balance payment error
Just a heads up for anyone paying their VM credit card balance in full each month. A friend was telling me she incurred an interest payment recently and rang to query. The advisor said it was because the full balance had not been cleared in recent months and that was why the interest had been incurred. When asking how she…
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Credit card - balance transfer/spending what gets paid off first
My credit card company are offering a balance transfer with 0% interest i until 1 august 2023 with a 2.4% fee iff I transferred say £1000. Then used my regular spending which is at I think around 20% interest, let’s say purchases are £50 that month if I was to then pay off £50 would I be paying off the purchase interest…
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Should I do balance transfer now?
I have £3300 on 0% card that ends in July. I have £5000 limit on my halifax card that I was ready to transfer to. The problem is with interest rates increasing the offers seem to be disappearing. A few weeks ago the Halifax was offering balance transfers 3.9% apr for 4 years with 3% balance transfer charge. After a week or…
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Balance transfer done - do I reduce or close previous CC?
Hi there, I have successfully applied for a 0% balance transfer for 21 months, giving me more time to pay off my debt without incurring interest - huge thanks to MSE for flagging potential cards and deals. My question now is what do I do with the previous credit card & the £6k limit? I’m thinking my options are: 1. Keep…
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Cards that help credit rating
Do all credit cards if regularly paid off increase or secure better credit rating? my rating is good , so I fortunately don’t require one to build mine due to previous problems thanks
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Capital One - Independent report from third party
Hi So I'm disputing a transaction, where the goods I've received have been faulty and the seller is unresponsive. The good in question are portable monitors. One of the things they've asked for is "Please provide the independent report from the third party." Now, I'm an engineer of sorts (technical), however I can't…
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Stoozing and question
Hi I'm trying to stooze at the minute but struggling to get get my head around a few things. So I've got the Lloyds cashback CC, I did have the tesco one but I don't shop here anymore so points aren't benefitting me right now. After mortgage and other bills go out I have about £800 left, this is going into savings and I'm…
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Authorised User - two factor authentication
I am considering adding my wife as an authorised user on my credit card but I’m wondering about what happens when you buy online and it wants you to authorise the transaction in the bank app or via a text message. It would be annoying to have to do this each time she buys something. Does anyone know how this works? FYI: my…
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Balance Transfer recommendations by MSE
I am curious as to why MSE only recommends 0% Balance transfer offers up to 24 mths, but ignores offers above this duration. Any thoughts? There are multiple good offers of up to 34 mths interest free.
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Received a cheque from M&S Bank and don't understand why
I've received a cheque unexpectedly from M&S Bank and have no idea why. I contacted M&S before the PPI deadline about a credit card I had with them to check whether I had been missold PPI. They came back to me at the time and said PPI had not been sold to me in connection with their credit card. Fast forward two/three…
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Virgin transfer not allowed
Since when do Virgin not allow balance transfers from Tesco cards? I’m sure I’ve done one before, I used the Virgin app yesterday to do a 0% transfer from a Tesco club card cc, only £2200 and it came up with ‘We do not allow transfers from this card’ . Not really an issue as I can pay off the Tesco balance over the next 3…
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Any tips on clearing the last remaining balance on a pre-paid credit card (Mastercard)?
I have a bunch of these from broadband and other switches, but the last £5-6 always seems to stagnate and never get spent as I rarely make payments that small in places that accept Mastercard. Online usually need delivery added on for small transactions, and you cant split credit card payments across different cards online…
