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Credit card 0% transfer
Hi, I have a credit card that is due to run out of the promotional period of the 0% interest on 17/05/25. I normally apply for a new credit card and have no issues transferring the balance. A few days ago I applied for a Barclay Card credit card requesting a transfer of £4k balance. This was pre-approved and as it was the…
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0% promotional period expiry date for Tesco Credit Card
I did a 0% interest money transfer from my Tesco CC in Jan 23. I didn’t make note of how long the promotional rate applies. I looked back to the statement that included the transfer, and my latest statement neither states when the promotional rate ends. Am I missing something? I looked both on the app and via the website.…
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Existing Customer Balance Transfer Offers
What sort of offers are existing card holders currently getting for new 0% balance transfers? For example mine range from 3% for 18m with Santander to 5% for 12m with Lloyds.
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Best credit card for travel points.
Hello. I've read the guide on credit cards for travel points, but have a question I couldn't find an answer to on the page or on the American express website. There is currently a bonus offer on American express of 38000 points for signing up and spending £3k in three months. But after 12 months a £195 annual fee. If I…
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Having to go to financial ombudsman now that I've been called a liar. What to submit?
Having never had to do this before, what do I send to the F.O. regarding this? I imagine I'll send them a letter outlining what's happened and why I am now contacting them. Do I have to send on copies of my letter of complaint to Amex? What about Amex's original letters (before my complaint) witholding money I believe I'm…
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John Lewis Credit Card prior to New Day
Hi I've been trying to get hold of credit card statements from 2021 and 2022 when the John Lewis cc was with HSBC before they moved to New Day. I need them for court. I have tried: - John Lewis Finance/Money (New Day) - cannot help for the period in question - phoning HSBC various numbers, eventually beat the voice menu to…
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Order of allocation of payments for refunds
I have a Barclaycard with a Balance Transfer, which I am using for purchases, because Barclaycard charge no interest on purchases if they are paid off after the statement date and before the due date. Paying off the precise amount of purchases each month allows my BT to remain intact at the full amount. Unfortunately I was…
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Nationwide credit card in Mauritius
Hi all, I'm going to Mauritius tomorrow and I'm going to take my nationwide member credit card as back up. If I use it should I pay in Mauritius rupees? New to taking credit card abroad. Many thanks
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Tesco Customer Services e-mail address
Anyone know one? Very deaf and can't get the hang of Relay. Otherwise getting a visit from a helper or sending a letter. TIA
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New Lloyds Card Terms, no charges for foreign transactions, or are there?
Received an updated terms from Lloyds today for my credit card, active from 30th June, including: "we've changed the name of the 'non-sterling transaction fee' to 'non-sterling purchase fee' and we'll stop charging it when you use your card for cash transactions in a foreign currency. A cash transaction fee may still…
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MSE CC eligibility checker inaccurate
Hi I applied for a Barclaycard 0% balance transfer card yesterday. First I checked on MSE's eligibility checker tool, and it gave me 0% chance of being accepted. I thought that was wrong, as my credit is good and my income is well above the threshold for that card. So I just went ahead and applied, and today received an…
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Retiree credit application
I am recently retired and drawing down my pension via UFPLS. For tax reasons I only budget to take £17K pa and then if need be take another chunk, I could easily withdraw a substantially larger amount each year but see no need to at the moment. When applying for credit cards I am unsure what amount to enter, I have entered…
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Credit card security blockage abroad - due diligence failures - have you been caught out?
Halifax clarity credit card is promoted as the "bees knees" when traveling abroad - it can be a disastrous failure On a cruise this line this year Halifax blocked the card when the cruise line attempted to set up payments for onboard incidentals using a $1 deduction. Halifax knew we were abroad by the trail of card usage…
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Tesco Credit Card and PayPal Friends & Family
Does Tesco Bank charge a cash advance fee when using PayPal for Friends and Family payments?
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Virgin money
Ok so I applied for a virgin credit card and was asked to send over some documents via a link, about 6 hours after doing this I got a email saying my application was declined. But today I get email saying my card is in post and my credit limit ect. As for the Barclaycard I’m going to send that one back as I prefer virgin…
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AMEX Application Expired - Should I re-apply for another credit card?
Hi all, I hope somebody is able to help give me some advice Back in December 2024 I was approved for my first credit card - the AMEX Cashback Everyday Card. Unfortunately I was late providing my additional documentation as proof of address and the application expired in January (I had recently moved house and needed to…
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Vanquis 5% cashback use
i actually dont use my credit cards but i have had a vanquis one for a few years, not used in over a year. Apparently i'm being offered a 5% cashback deal (capped at £20 max cashback) Not going to use it just for the sake of it but my vehicletax is due next week, at £350. Is this transaction elligeible for this offer? i…
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Card blocked when travelling
Recently went to Vietnam via Dubai airport. In Dubai airport i bought something on my card, it went through fine. Subsequent transactions were blocked, and i received a text from Halifax asking them to confirm its me making the purchase. I did then all good. I did worry travelling Vietnam for 3 week i would have the same…
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Irresponsible Lending
I have been told by a colleague about the irresponsible lending claim for credit cards..... Is this still something we can claim on? How do you go about this?
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M&S 0% 24 Months, MSE says 90% Approval, M&S Says 0% Approval
Which one do I believe before applying? I am surprised by the 0% approval tbh
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
