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0% balance transfer cards
Good morning, After some advice in regards to 0% balance transfer cards. Couldn't find any information online. They come with the following, 0% balance transfer for 6 months. Then says need to do the transfer within 60 days of opening the account. One the 6 months has passed, is it then a case of clearing or moving the…
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Nationwide increasing credit card interest rate by 50%
Ouch, I have just received a letter from Nationwide saying that they are increasing my credit card interest rate by a whopping 50%. I have a members-only card that I have had for a good number of years, and until now it was charging a fair and not unreasonable interest rate of 9.9%, which was perfectly reasonable for the…
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Old Barclaycard Debt Passed on to Cabot
Hi All,Hope this is the right place for this. I had 2 Barclaycard Credit Cards plus others back in 2013, at the worst point I was in £25K worth of credit card debt. Since then in 2018 Barclaycard closed my cards (can't remember the term) and passed me to Barclaycard debt management this was fair enough, I couldn't make the…
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High income, no debt - why won't Barclaycard increase my limit?
A little while back I applied for a Barclaycard on a 0% for spending for 23 months deal. I was accepted with a £6.5k limit. Basically I would like to use as much as I can on the card, in order to build up some savings that will earn interest in the meantime, but in the medium term can also be used to pay for some…
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Pending transaction for £0?
I ordered some items from Amazon yesterday. Checking the app on my phone, reveals the following under Pending Transactions. Amazon Eu +£0.00 Amznmktplace +£40.16 Both have todays date on them. Why are there 2 entries, and why is one for no money?
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S75 with 2 credit cards
Hi, as I understand it S75 with payment split across 2 credit cards is fine, and either card company could be made liable for the full amount (but not both for full, I.e. indemnification principle). The payment on each is over 100 and less than 30000. Does this sound correct please? Thanks
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Getting a credit card - newly departed partner
My Dad is 93. Mum has just died. They were living together in a care and nursing home having been married for 71 years. Dad used 'piggy back' credit cards off Mum's store credit cards.He now needs his own one.I've tried MSE's credit card checker on his behalf and it is unable to return a positive response.Income is £9100,…
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Pay 0% credit card balances off or save in isa
Hi, I have about £14k on 2 credit cards that are on 0% deals until mid 2026. I am in a position to pay them off, the min payment is £250pm. Should I put the £14k into an ISA for a year and pay the min payments for the next 12 months or just pay the cards off? Should make about £700 interest if I put the money in an ISA for…
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Section 75 timescale
Hi guys , Can someone please clarify the timescale to claim ? We purchased in October 24 and since have lodged a claim under section 75. Halifax Mastercard are saying it's been rejected due to being out of the time limit ? I always thought you had 6 years from date of purchase? Thanks in advance
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ADDITIONAL CREDIT CARD HOLDER
I want to apply for a credit card, that allows my 16 year old daughter to become an additional cardholder. I am sure that Martin Lewis recently stated there were some companies that allowed it, but not all reported it to Experian etc. The reason is to build up a credit score for her. I have found old posts relating to it,…
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I thought they were targeted ads?
I've never carried a balance into the next month, but I keep getting emails from Clearscore, offering me Balance Transfer Cards. I thought these ads were supposed to be targeted?
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New: Amazon Barclaycard
https://www.amazon.co.uk/test/dp/B0BH98211K Doesn't let me apply yet, but I'd be ineligible on account of holding an existing Barclaycard. £50 reward for signing up 1% at Amazon, 0.25% elsewhere (boosted to 2%/1% for first 6 months then 1%/0.5% for months 7-12) 4% rewards during "key shopping events like Prime Day" No…
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Applying for a student credit card with an overdraft
Hi, I'm 18 and currently a student. I have a student bank account with HSBC, and currently have a £927 overdraft out of the total arranged £1000. This is because I've put it into a cash ISA to earn some interest on it - I'm very on top of my money, so I'm not worried about spending more than I owe. My question is: I would…
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Paying credit card before statement is issued
Hi, I've been finding conflicting advice as to whether paying off my credit card before the statement has been issued is a good or bad thing. Some people seem to think because the debt & payment aren't recorded on a statement then the CRA's will have no record of it, whereas other people seem to think that the payments…
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Monzo flex payment question
Hi, I've had a Monzo account for a while which I use for trips abroad and I've just gotten a flex card now When it comes to payment time, does it come from my Monzo account? IE I have to have the available funds to pay it off? Thanks
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Balance transfers need help
Hello, I'm a bit clueless on balance transfers. I've got three credit cards; a capital one, HSBC and first direct. I wanted to move my capital one and first direct over to the HSBC one which has 0% balance transfer. I've managed to do the capital one balance transfer but I can't move the first direct one as it's owned by…
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Chip & Pin security (??)
I’m not sure if this is in the right forum, but please re-direct me if
necessary. It concerns credit card fraud and the security or otherwise of Chip
& Pin. Last month, I was in Mexico, and when I got back I saw two entries on my
credit card account which were clearly fraudulent. They were for large amounts,
both on the…
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0% credit card query
Hi there, I have a question regarding taking out a 0% credit card. We are set to remortgage May 2026, I have credit card with not a huge amount on but currently the cc has interest and I don't have the funds to pay it off in full. I applied for a 0% in December and was accepted, they asked for utility bill and ID which I…
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Section 75 charge back
Hi , I've tried to claim under section 75 as goods not as described/received. I bought my daughter an online course to help towards starting your own business. Offering advice on how to go about it etc using media platforms etc and offer advice when questions asked. It just isn't working at all and the firm just doesn't…
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Where to start with credit cards
Hi, I have managed to get into late 40's without ever having a credit card. I am travelling more these days and unsure which card would be the best for that, plus plan on using one for a larger purchase. Do I go for 0% interest or zero fees for spending abroad, or is there one that covers all? #clueless.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
