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Currys My Plan login issue
The other day, I wanted to pre-order the upcoming Galaxy S24 using Currys my plan. After completing all of the formalities and selecting Buy now Pay Later, I was sent to the login page for My Plan. However I am stuck in a loop where as soon as I enter my email, password, DoB and phone number it loops back to the login…
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Email notifications
Up until last Thursday my John Lewis (NewDay) credit card sent me an email after every transaction with the payee and amount. Unfortunately "In the interest of security" they've changed this to only send a notification on transactions over £100. This feature was critical for me. Does anyone know of an alternative provider…
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Authentication Failed We’re unable to authorise this transaction.
Help needed please.Been with same bank over thirty years.No financial issues,one credit card.Last year bank,credit card taken over by virgin,since then paying online with some companies,amazon prime,bt.whsmith wont allow us to pay anymore online,get "Authentication Failed We’re unable to authorise this transaction."…
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0% credit card or remortgage?
Hi, I'm hoping for opinions an optimal strategy to raise circa 40k. I need a 35-40k lump sum. I am currently in the process of product switching my mortgage and can take the additional borrowing at 3.94% on the new product. Alternatively, I am eligible for a 0% balance transfer credit card with Barclays over 29 months, I…
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Failed eligibility check for credit card
I’m 64, part-time self-employed for my husband’s business, earning £3k per year. For the last 40 years I’ve been an additional cardholder on my husband’s Mastercard. We have £60k in savings. Up till now, we’ve received paper bills and I pay it each month (it’s me who does the bill paying). Mastercard have now switched to…
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Balance transfer question
Hi. I have a balance transfer question that I'm hoping you might be able to answer for me. I have two credit cards. The first has around £1k on it at the card's standard interest rate and £1.5k that I have recently transferred on a 0% offer from my other card. I now have a 0% offer from my second card which currently has…
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Question about Lloyds Credit card direct debit payment
I have a relatively new Lloyds credit card which is paid off in full each month by monthly direct debit. Unusually this month as the balance was higher than I was comfortable with and the money was sat in our current account I made an additional manual payment after the statement was raised. My question is will the direct…
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balance transfer query
Hi i have £3500 on a card and have been offered balance transfer of 12 months @ 0% with 4% fee or 6.9% pa over 24 months with 0% fee. what offer am i better off taking will be able to clear within 12 months
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Nationwide Credit Card Maximum Limit
I’ve got a Nationwide Select Credit Card (which they no longer issue to new applicants). The banking app states I have a maximum credit limit of 10k, though my actual limit is slightly below that. I neither need or want a higher limit (current utilisation is 3% for my business expenses, which are paid off monthly).…
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Credit card refund query
Morning all, so I'm looking at purchasing a mirrorlesss camera and Nikon have a 30 day trial running which looks to be a good way to try before you buy. So guess my question is if I buy it on my credit card (Lloyds) and decide to return it I'd probably be after my card is due (I have the money to cover it and pay off my…
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Using a credit card to pay of an overdraft
Hi, can anyone advise me please? My husband and I have had an overdraft of £800 on our main bank account for about 20+ years and have decided that we need to rid ourselves of it because we use it every month to its limit and it is cleared every month by my husbands wages (I am not working at the moment but looking for…
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Section 75 Claim Ombudsman
Purchased mountain bike using PayPal credit. Collected from the shop, clear problems with drivetrain and brakes. Six journeys in total and replacement bike given that I'm told still not right. Eventually asked do you want small refund towards cost and see how it goes. After a while it got even worse, contacted PayPal who…
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smile.co.uk withdraw credit cards
smile credit cards are no longer available to new applicants, including those with a co-op or smile current account. smile has been around since 1999 (internet banking version 1.0 for those of us that remember it) and the retention of the brand has been in question for a decade now as the Co-op has focussed on it's primary…
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Link to SOA
Hi, been advised to go in here. Where do I get link to SOA please?
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Nursing home assessment fee
Does section 75 cover me if I pay a nursing home assessment fee for my parent? The cost is over £150. If the nursing home cannot accommodate my parents they say they will refund the fee. This is unusual for me, no one has asked for an assessment payment before and I am concerned if they cannot accommodate my parent I will…
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Amex - Does refund count towards payment
I’ve had a reasonable sized refund on Amex after my statement date. can I reduce my payment without incurring interest?
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Debt Management Plan advice
Hello all i have 30k in credit card debt and payplan have helped me sort a DMP out has anyone done one before and could give me some adivce please on it? thank you
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John Lewis Partnership Card SMS
Until mid-December I received an SMS every time my JLP card was used. Now I only get messages for amounts of £100 plus. Is there anything I can do to ensure a message for every time the card is used?
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Is there a way to get a higher limit?
About 15 years ago our finances were a mess, yet credit card companies increased my limits all the time. Worked hard to get 100% debt free, even managed to retire early (now we are both sensible with money). So wanted a credit card, got offered a limit of £1,800 (some were £1,200). Looked at some posts here, they…
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Unused Cards, should I close the accounts?
Pretty much self explanatory really. I have about 7 credit cards, most from a time when I was silly with money but 5 of them now have zero balances on them. Should I close down the cards? I will be looking to get a mortgage when I sell my house next year to buy with my fiancée so just want to make sure I'm doing the right…