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Direct debit ignores refunds - John Lewis Partnership card
I pay my credit card off in full every month by direct debit. At the end of December the statement balance was £7,000 but since the statement date I had refunds of £6,000 so I only owed £1,000 but they still took the full £7,000 leaving my account in credit. Is there a law against this?
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What to do after credit card fraud?
Hello, Last week, my credit card details were stolen, after I inadvertently entered them into a scam website that a QR code scanning app sent me to. Someone attempted to make an unauthorised payment today, but I cancelled my card & my bank will send a replacement. On that scam website, I recall entering my first & last…
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Jaja Card Application
Totally confused just applied for a jaja card said I was approved with the credit limit quoted etc went through then it said it has to review the application and asked me to verify my ID so I did the selfie and photo of ID etc went to next page said verify complete then the website crashed and haven’t had any emails or…
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Hard check for balance transfer to existing CC
Hi, my partner and I are actively house hunting (FTB) and hope to apply for a mortgage in the coming months. I have a credit card balance of around £1300 currently paying off via a 0% balance transfer with M&S. I've realised that my 0% offer with M&S ends in June but i'd like to avoid paying interest if possible. Having…
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Direct Debit taken in error
I made a manual payment to my Barclaycard on 31/12 at which point I was told within the app that my direct debit (due 06/01) would not be taken. The DD was subsequently taken on 06/01 and after raising this issue via chat I was told that it was within the 3 working days deadline when considering the new year holidays and…
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Balance/Money Cards
Anyone know any good balance or money transfer cards available at the moment, been offered some credit cards but not much used to be right now where a balance or money one would be, need something that will be accepted for someone with a good credit history but still has some flaws on there file?.
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First credit card as a student
Hi, I’m looking to get a credit card simply to build my credit score however when I do a check on here for like the tescos one for poor credit it says I’ll be rejected- I assume as I don’t earn enough per year? (Only about £10k ish part time) I was wondering if there’s any advice. I’d simply use it to pay rent each month…
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Cost of dependants
When you make a credit card application, and it asks how many dependants you've got and how much they "cost" you, what do you put?Case in point - probably a very common scenario. I work full time, wife works part time. My salary pays for the essentials, wife's income pays for the "nice things". How much do I put down for…
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Balance transfer home address problem
Hi all, I am considering applying for a 0% balance transfer card, however I seem to hit a post even with MSE`s calculator due to us living with my father in law, my wife being his carer. We have been here 5 years now so my `current address` is with him. However, we are a homeowner which we rent out and have done so for…
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Balance transfer to pay off certain accounts.
Hi I'm very new to balance transfer and forgive me if I sound abit dim but I know you can transfer credit card amounts over but can you do the same with different store accounts. I have online accounts with very, next, simply be and curvissa and it wld be cheaper for me to transfer the balance of these accounts onto a…
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Balance transfer and money transfer
I have an MBNA balance transfer card that also offers a money transfer (balance transfer is 0% for 31 months - 24.94% after 31 months and I have already transferred a balance to this, the Money transfer promotional offer is 0% for 9 months - 24.94% after 9 months) but I have not yet used this but I would like to. I…
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Multiple balance transfers
So it’s not something I’m looking for more trying to understand how they work I have a HSBC card on a 27 months 0% with 3k of a 4k limit. when I made this months payment they are offering me a separate 12 months for any new balance transfers I make in January but how would that work how are payments allocated would all…
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Vanquis Refund Historical Error
I have received a letter regarding an account that was closed over 10 years ago with Vanquis. It advised they had found a historical error with 'additional fees' and they were refunding them. Error amount approx £20 refund amount approx £200. The cheque has arrived (not cashed yet) I have tried calling Vanquis to get some…
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Credit card defaults
Hi Guys, I have defaulted multiple credit cards totalling 25000£.zopa(3000£),natwest(9000£),halifax(2500£),llyods(3500£),Aqua(3100£),fluid(2000£). I have missed 2payments and might be on 3/4 it goes to default. I don’t want to enter into IVA or get CCJ”s.I lost job 2months ago and struggling financially. What are my…
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What happens if you only pay the minimum payment or pay more than that on credit card?
On a credit card, if you are unable to pay off your entire balance for a couple of months and you start paying more than what the minimum payment due is at least, is the only thing to worry about interest accruing? I am paying more than what the minimum payment amount is, just so I can pay it off faster and as much as I…
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Old Credit Card Debt Advice...
Hello All, Apologies if this is not he right place for this query. My query is for advice regarding a fraudulent debt incurred on a credit card back in 2007. A bit of background: Back in 2007 - my credit card with MBNA was fraudulently used to withdraw £7k in one transaction (done via card transfer to an account), and than…
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John Lewis Credit Card
I had a shock today with my John Lewis credit card small print. I'm sure some people will know about this but perhaps it will be a heads up for others. Today I received my monthly statement and bill. I always pay my credit card bill in full within the payment period. When I looked at this bill it had a £167.05 interest fee…
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Do i have too many credit cards?
My original credit card is now 11 years old. It's with capital one with a £2500 credit limit that I've not used in a very long time! Second credit card is virgin Money that I only use for holidays abroad due to its 0% foreign transaction fees, the limit is £6000 My daily credit card is with MBNA with a £28,000 credit…
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Multiple Balance Transfers Within Specified Window
Hello everyone. TL;DR - Can I balance transfer multiple times from the same credit cards, so long as its within the 60 days to claim the 0% offer? I am in the process of consolidating some debt to my new balance transfer card. I have just cleared 2 existing credit cards with it. Annoyingly, 2 of my major amounts are a Next…
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Credit Card Fees for Exceeding Credit Limit
Why do some banks still have fees for exceeding credit limits in their Ts & Cs. These fees are totally anachronistic. It previous times they were necessary because people could make payments without pre-authorisation. These days all payments are pre-authorised. Therefore it is 100% within the control of the bank to keep…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
