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Very Catalogue Credit Limit
Not Credit Cards but Catalogue Credit Account. Can someone explain the logic behind this... I built up a £1800 balance with a £2150 limit which was then raised to £2850. When i got my lump sum i paid all my debts and mortgage off and am completely debt free. This also included clearing my catalogue debt of £1800. I just…
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HSBC Refund of Interest on a balance transfer offer
I have received a letter from HSBC regarding an apparent refund of overpaid interest on a balance transfer on a John Lewis Credit Card between 2016 and 2020. I returned the letter in reply paid envelope. No money received and all attempts to contact HSBC lead me absolutely nowhere. Does anyone have a good contact address…
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Halifax Clarity Mastercard credit card statement for September
Usually my statement date is 16th every month. However, I cannot see the September statement within the Halifax Bank App. Haven't tried online banking yet. But it has been available via App like clockwork. August 2023 statement is the latest I can see within App. Anyone experiencing the same> Edit: It's fine. I logged in…
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Payment to Barclaycard missing
Has anyone ever had any issues with faster payments to Barclaycard not processing in the usual 2 hours? I made a large payment yesterday via bank transfer, it’s not reflecting in my credit card available balance. My bank confirmed no block on the payment and it left the account to the correct sort code, account and…
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Lloyds Credit Card Complaint Email
Long story, I had 3 fraudulent transactions on my card last week whilst on holiday. The advisor told me to destroy my card which I did and then transpired it was my wifes that had been used. Anyway new cards came by the time we got home but this week the transactions have appeared again due to the fact that the advisor…
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Aqua rate 51.40% Help - advice needed please
Hi, I've had my Aqua credit card for a 9 month promo period and was going well. I had an unexpected car bill so used a freshly paid off other card (Capital One). I am usually really good with my cards but somehow I have taken my eye off the ball completely and got a text message a few days ago stating the promo offer will…
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Credit Card Statistics
Here is an interesting article:https://www.money.co.uk/credit-cards/credit-card-statisticsI make my day to day payments by credit card, and pay it off in full every month by Direct Debit. Interest free credit and a single bill each month. That is not what most people do. A big majority of card users pay by debit card, and…
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Best advice whether to sell property to clear debt
Hi all I know this might seem like a personal decision but I think it's always handy to hear other peoples opinions. My husband has a property that he rents out. We live together in my property. These have been kept separately. I don't want to get into the whole if we divorce business as hopefully it'll never happen. He…
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More than one credit credit
Opinions needed. After clearing two credit card balances. I have felt they have been a burden and an easy way to spend money I haven’t had. Saying that is it wise to keep one for emergencies or for credit rating?
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Most appropriate credit card
Hi all, I'm looking to get a credit card. I plan to use it just to pay for fuel in my car (which I normally do monthly) and then pay it straight off. I have a really good credit score but the only thing I have against me is that I don't have a credit card. I've never had one before so do I go for a rewards car or just a…
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Credit Card Borrowing prior to inheritance settlement
Hi All Just looking for some thoughts. I am shortly (not fully sure how long) to get a reasonably large inheritance. We lost both parents last year. My mums probate was granted about 3 weeks ago, my fathers probate application went in 3 or 4 weeks afterwards - so logically his grant of probate is not far off. I'm not sure…
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Confusion with a %0 balance transfer from Virgin to Barclaycard
Hi there, I've recently transfered approx £7400k from Virgin to Barclaycard using their %0 for 30 months offer. The minium payment with Virgin was £74 a month; with Barclaycard it's now almost £300. I had assumed that I'd pay a similar amount as both cards had %0 interest. There was a £240 fee for transferring to…
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Retirees looking for credit card
Looking for information on how husband and I can get credit cards. He is retired getting pension and attendance allowance. I am not getting pension but carer's allowance only. We are living in our caravan in our daughter's backyard while we wait for housing. Therefore not home owners and not paying rent. Is there anything…
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Recommended credit card for travel (hotel deposit)
Hi all, Never thought I would be asking this question, but we are going away to Spain in October to a different hotel that we normally go to and after reading the hotel website, you need to provide a credit card at reception on checking in. We don't have a credit card any more due to previous debt - we both had a credit…
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Balance transfer cards
Hi, I've got 2 different finance plans one at currys and one with klarna, am I able to get a 0% balance transfer card( I did an eligibility test I can get the M&S one) and pay the finance plans off with the card and still get the 0%? I find money very confusing sorry my currys finance is for £485 and my Klarna £400 any…
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Can you see what your credit limit will be before approval?
As for the title, I assume you usually can't tell? I have a balance of around £4000 I need to transfer as my Virgin offer is ending in November. However I am struggling to find any good deals at the moment. I have a Natwest account (simply used to get their switching offer, don't actually use it) so thought I would check…
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Balance transfer to credit card - can you go into positive credit?
So I recently got a balance transfer card to transfer some of my debt to a 0% offer. The balance transfer and purchase period for this card is 3 months, which ends on October 5th. Then I have 18 months to pay it off. I now have a very expensive dental procedure planned on the 10th of October, so right after my deal ends,…
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Applying for new credit cards time frames
Does anyone have any idea about the time frames involved in getting a new card from a bank that you previously had a card with. I think i asked M and S if they would switch/swap my card to a 0% purchase but was told i needed to cancel my current card and wait for 1 year and Sainsburys told me 3 months. Does anyone know…
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RBS Credit Card - Debit Card Repayments
Hi All, Not sure if I am missing something here. I don't seem to be able to find a way to pay my RBS credit card using a debit card. I've tried online, and on the app. Debit Card would be my preference as I am rewarded for spend on my debit card, and it's one of only two ways I can meet the minimum spend for rewards…
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Balance transfer to American Express from Virgin - worked on opening now can't transfer!!
Hi there hoping some can help please..... I opened a virgin CC to take advantage of the interest free period - on opening a transfer was made to my Amex card. I have since tried to transfer out more (well with in limit) and it won't let me - I've called virgin who say Amex have technical issues - I've called Amex who say…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
