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First Credit Card Mistake
Hi all. I recently helped my fiancée get a credit card to help her build a positive credit history as part of our future planning as we intend to buy a house together within the next 5 years and therefore apply for a mortgage together. She has pretty much no credit report with no loans, credit cards, mortgage or even a…
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Gift cards and chargebacks
Hi can someone advise re the below please.. I purchased some Currys gift cards through a 3rd party site with my credit card. Spent the vouchers on Currys web site and they confirmed the order but then cancelled it which was 3 weeks ago. Despite numerous phone calls, webchats and emails it is impossible to get anything…
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Older Credit card Debt
I will try and keep this brief. Contractor working away, but back in Aug 2018 i had an accident all resulting in lung surgery. it took me a long time to get over and covid scares had to hide etc. I had a credit card with around £11k. I Informed Barclayard and they gladly put the account on hold. After periodic check-ins…
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Credit card debt sold to link
Hi all - hoping for some advice, I am sure there are many comments on the site however I’m struggling to find any insight. Marbles and Aqua credit card debt has been sold to Link Financial Outsourcing. I haven’t been connect by Link yet so they will not discuss with me but I just wondered that monthly payments they would…
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UK credit cards in the States
Hi all, I'm a UK citizen and will be in the States for my first time next month, on the east side for three weeks. I don't want to carry much cash with me, so want to pay for almost everything by card. All the hotels have been booked and paid for and I don't have enough liquid money for every day stuff, restaurants etc, so…
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Paying utilities via Credit Card
Good morning all. I am aware that certain UK utilities can be paid via credit card, but I've only been able to find manual payment methods. Is there a way to set up a credit card as an automatic payment method, so effectively it will work the same as a direct debit? I'm looking to put as much on my credit card as I can to…
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Tesco Credit Card - Notice Of Arrears
I have come home tonight and had a notice of arrears from Tesco Bank for my Tesco Credit Card. They are saying that for the last 2 months I haven't made the minimum payments but I believe I have. I have not been charged any late payment fees by them or any interest at all. My promotional rates of 0% are still intact which…
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cancelling a dispute with airlline
i raised a dispute with airline as they were unable to book special assistance. cc company have now told me it could take 45 days to resolve, and i may lose my money if the airline cancels the flight and dispute goes in their favour. flight is on friday, so i asked cc company to cancel the dispute as i cannot afford to…
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Balance Transfer an existing Balance transfer?
Hello all, A few months ago I completely a Balance Transfer and the terms on the new card were 21 months 0% interest to pay off the Balance Transfer and an additional 3 months 0% on purchases. I made an error however. I believed the 3 months 0% purchase balance could be paid off in 21 months time. Unfortunately I have had…
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Barclaycard PD question
Hi all, newbie here, looking for some advice. I am paying the minimum monthly payment off my Barclaycard each month via DD. They contacted me to say that I am in a Persistent Debt situation and it will take 35 years to pay off the £8166 by just paying this amount each month. The suggested amount to pay it off in 3 years…
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Unauthorised conversion into Sterling
What to do if a merchant makes an unauthorised conversion of a payment into Sterling on your card? Naturally, it's at a very poor rate. I have screenshots which show the EUR amount which I agreed to. I have complained to the merchant, who just keep referring me to their useless chatbot, and to curve, through whom I made…
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Combining credit limits on cards with same provider (Virgin)
Hi, Has anyone any recent experience of requesting credit limits be 'merged' when you have two (or more) cards from the same provider, in order to get one large limit on a better card, and then close down the old card? I remember this being a thing in the early stoozing days with MBNA, and maybe Virgin and typically I've…
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Credit Card fraud keeps happening on my account
Hi all, 4 weeks ago I noticed that my credit card details had been stole and a lot payments had been made which I didn't make, after phoning the fraud department they cancel the card and refunded me all of the transactions and they gave me a new card. They also gave me advice, not to save the new card to any websites. 4…
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Loss of 0% Interest Rate With Cash Transaction Fee Added?
Hi, I have a Nat West credit card on a 0% purchase and repayment basis. Balance varies but try to keep around £1000. I recently bought a £50 Waitrose/John Lewis gift card online as a thank you for my son/daughter in law using the credit card. Total gift card charge was £52.75, but I see there is a cash transaction fee of…
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Which Kind of Direct Debit for Card?
Setting up a Direct Debit to pay the Fluid Credit Card, there are 3 main choices. * Payment Requested - Contractual minimum payment:plus an optional recommended extra payment which may vary depending on your balance * Fixed amount: Allows you to pay a set amount each month. If this fixed amount is less than the contractual…
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Barclaycard Amazon joke
Recently applied for the amazon barclaycard, simply to get the free £20 credit on amazon. The credit came through really quick, the card came a few days later. It tells me i have to register it on the barclays app, which i try and do but it always hangs with an error message. I phone barclays and they try various things…
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Amex Welcome Gift
Hi! I’ve recently signed up to the Amex preferred rewards gold credit card to get the 25k bonus points when I’ve spent £3k on it in the first 3 months. i subsequently read that the offer ends on the 14th October. It’s not clear, and I can’t find any info, on whether that means I need to physically spend £3k on it by then,…
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Halifax Clarity Credit Card
For years I've been using this abroad for spending as it was fee free. Just noticed it no longer appears on MSE's list of recommended cards for spending abroad - so just checking it is still fee free and that I haven't missed any changes to t & c? Thanks in advance
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MBNA can't refund credit balance
I'd had a 0% balance transfer coming to an end and realised that the last DD would be taken the day after the offer ended leaving me with the problem of paying a bit of interest. OK 1 day interest for £250 wouldn't be much but it would annoy me. So I paid the final £250 early to clear the balance. I suspected that they…
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Halifax balance transfer
Hi First post as I'm trying to figure out what this means before I do it. Halifax are offering me a balance transfer of 0% over 15 months with a 3% fee or 5.9% per annum over 30 months, no fee. Can someone simply explain the cost of the 5.9% per annum if I were to transfer £2000. This account is currently at £0 so no extra…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
