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PayPal Credit and Balance Transfer vs Money Transfer Cards
Hi All! New here and seeking some help. I have been in a debt spiral since finishing uni. I accumulated about £6K worth of debt after the first year which in January I was able to get a personal loan for. Already I have managed to get into a further £4K ish between an overdraft and PayPal Credit. Now I know PayPal credit…
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Which cards provide a text message for every transaction
This would provide an "immediate" highlight should there be a fraudulent transaction. Which cards provide such a feature?
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Credit cards that use Experian for hard search only
Hello, im trying to apply for a balance transfer card to transfer my balance. I’ve been pre approved for around 4 however I’m wondering if anyone knows any credit card companies that search Experian only. I have an incorrect linked address that is affecting my credit score right now on transunion and Experian. I have…
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Natwest - 13 Years - Credit Card - Default
Hi guys, Would like some advice please. I've recently discovered over 13 years ago, a credit-card that I took out whilst at University which I defaulted on for 6 years, is still on file. Natwest have advised me that it was passed to a Debt Collectors. I have not spoken to any debt collectors and my default would have…
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Not eligible for a credit card on this site
I’ve just checked my eligibility for the Halifax Clarity CC on this site and been informed I am not eligible for it, yet when I go straight to the Halifax bank website and input my details they offer the exact same card with no problems, even with a higher credit limit than I had asked for, how can this be, and has anyone…
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Making large payments
I have to make a large payment in the next week (a big birthday bash). Having had a payment of £500 declined not so long ago (but that was from a very new card) I am wondering what is the best way of making sure that a payment gets accepted. I don't think it's usually possible to call the bank in advance to confirm that it…
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Section 75 CCA 1974 - Don't understand why Amazon payments is excluded
With Apple Pay and Google Pay being third party payments services, why are they covered by Section 75 and not Amazon Payments?
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Help - Balance Transfer Advice Needed
Hi, I have 2 credit cards, both are getting interest. I want to apply for a balance transfer card, but I need around £10,100 The lenders won't tell me the credit limit before I apply, so do I chance it and apply for one which may not provide me with the limit I need, or apply for 2 separate balance transfer cards?…
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Natwest Credit Card disappeared from their app
Mine disappeared around 24hrs ago. At first I thought I hope this is not to do with a current account that I just closed after a switch completion to First Direct. However looking at the comments on Facebook this is affecting many people where Natwest reply saying they are aware but have not seemingly made any general…
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Changing 2FA phone number
I keep a separate phone for 2FA. If it stopped working I would need to change the registered number - but isn't that exactly what a fraudster would try to do - so what happens ?
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Barclaycard refund letter
Just got a letter from Barclaycard regarding a refund because they “didn’t contact me when they should have in the past”. No other details as to why I’m getting refunded but it is not an insignificant amount of money. I am delighted of course but confused. Anyone else got one or know any more?
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Can't see Edge credit card details
I recently applied for an Santander Edge credit card and awaiting delivery, however I saw on the opp I could activate the cards online to enable use before we get our cards.I activated my card as main card holder and can see my card number, PIN etc but after activating the secondary card I cannot see any details for this…
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Credit card cash transaction query
I normally pay off my credit card in full every month.
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Amex balance transfer
I’m trying to do a balance transfer from American Express Amex, to avoid intrest I don’t know which credit cards would defiantly transfer from Amex,easiest to get and quickest to come this week as gona purchase a car. Yes I’ve tried google, however it’s hit and miss some say some allowed others say same place does not…
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New day (John Lewis credit card) power of attorney
Hi does anyone know any relevant law I can quote to Newday who run the John Lewis partnership card. My grandad has dementia and we are trying to login to his account to manage it for him with POA as we do with his bank. But they won’t tell us his password or let us change it. Keep saying he needs to call. Obviously he…
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Using credit card abroad to withdraw cash - avoid interest
Hi, Halifax Clarity credit card makes no foreign currency or cash
withdrawal fee when taking money out from an ATM abroad. However, it charges hefty interest immediately on cash
withdrawals. To avoid having to take too much (even any) GBP abroad, and in
case we need cash for certain purchases (eg, in local markets), is…
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Being charged interest on interest free card
I took out a balance transfer credit card. I am still in the interest free period. I spent some money on it in one month, and repaid that amount and much more. However I'm still being charged interest. I thought if I paid back the purchase amount it would go back to being interest free but it hasn't. Doesn't anyone know…
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Complain to CC company about same issue a second time?
I raised a complaint with my CC company and after going through their procedure went to the ombudsman who advised I need to wait for their final response. I didn't receive this although the CC company can provide they sent it and now I've timed out as apparently there's a 6month limit, so so the ombudsman cannot help. Am I…
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Promotional rate deal ending - can I get a new offer from existing provider?
I've had a Barclaycard for the last 20 months or so with a promotional 0% interest free on purchases deal. It's due to finish next month and I will have cleared the balance. I've never missed any repayments. I see Barclaycard have a 22 month 0% offer for new customers. I'd like to re-negotiate a new promotional deal. Any…
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Curve card at Petrol Stations
One of the chosen retailers for my cashback is Tesco. Does anyone know if I would get cashback for their petrols stations as well? Many thanks.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
