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Sainsbury’s credit card - paid full statement balance in advance but they still took money by DD
Hi all. Interested in views on this as I’m wondering whether to complain to Sainsbury’s Bank. I have a direct debit set up to pay the full statement balance. This month I had quite an unusually large statement balance of £3000+ and the money came into my bank account to pay it off so I did just that because I didn’t want…
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Credit card acceptance and limits
I'm not working at the moment but I have an income that's quite steady from a property I rent out. Do I still put my status as unemployed on a credit card application as technically I'm not employed?
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Credit card fees?
I have a Barclaycard and want to get a more ethical card. Ideally I'd like a reward card but I'm not eligible (I have a good credit rating but low income). As I don't have debt and won't get rewards the only advantage of a credit card over a debit card is the insurance - and I hardly ever spend over £100. Is there any…
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refund from CC pending investigation
Hi all, is this the normal procedure? Family member bought a car not knwoing it had both a category N and category S history. They seem to think this was not disclosed to them at point of sale (whether or not it was isn't the issue i'm asking about as such). Anyway, as they bought it on the credit card, they went to the…
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Barclayard interest calculation
Hi, I queried the interest charged on a recent statement and afte 3 calls and 2 hrs on the phone they admitted the amount was wrong (yet couldn't explain why) here: This has prompted me to go back over other statements. Am I missing something here, because I can't see how they arrive at the 'estimated interest' figures at…
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Basic Credit Card to build my credit.
Hi All, I have recently had a bank loan default fall off my credit file and my score has raised slightly as a result. I am incredibly responsible now with money but my credit score reports recommends taking out a credit card to help raise my score further. Down the line I would Like an Amex for the Avios but I know I am…
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Best joint credit card overseas
Travelling to the us soon and looking for a debit account, that allows joint credit cards with no fees for overseas spending. We have used the nationwide flex account in the past, but now the benefits have changed. Ideally want a joint credit card that spends from the same account rather than separate ones. Can anybody…
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Virgin Atlantic Credit Card / Mastercard authentication problem
Hi everyone, For the last couple of weeks I've been unable to make any online payments with my Virgin Atlantic credit card (a Mastercard) because it fails at the authentication phase - it doesn't get to the stage of asking me to verify a purchase in the app (the default) or try to send a text, etc. It just says there's an…
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Pulse / Amazon Classic card repayments
Hi, I had an Amazon Classic card which, when New Day and Amazon split became a Pulse account. I didn't have any choice about that and I wasn't given the option to have a Pulse Credit card either. I was told I just had to pay it off. Which I am doing. My question is this; seeing as how my Pulse account is no longer a credit…
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Curry’s Your Plan Creation Issue
Apologies if this is in the wrong section! I have just opened a Curry’s Your Plan account and was accepted with a £5000 limit. I signed all the online contract and set up my online account. I logged in and everything was fine, all information about my £5k limit and I followed the link to make a purchase (IPad on BNPL 12…
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Checking in doing the right thing
Today we are going to get some euros for our holiday to Rhodes. We are going to get £150 worth just to cover hotel taxes and any spends for first few days. We are all inclusive so won't be purchasing inside the hotel. We are staying not too far from the old town which can be a short bus ridr or an hours walk. Then the plan…
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Which credit card providers have young people had success with recently?
22 year old daughter has 12 months working experience since graduating, salary greater than £15k, looking for first credit card. Tried Tesco, which seemed to be on the MSE list of suggested credit builder cards but eligibility test came up with 0% chance! I have added her as a card holder to one of my cards - not sure if…
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Accidentally put my Lloyds CC in credit. What if I withdraw it from ATM?
I was doing a balance transfer from my Lloyds CC to another 2 provides (Santander and Nationwide) The first BT to Santander failed and I started the second BT to Nationwide, transferring a bit more than I originally planned on that card. I then received an email from Santander saying I need to call them. So I rang them up…
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Creation still around
I am trying to get some balance transfers from my existing cards as I have a virgin deal coming to a end. I have a creation card with close to zero balance and in the past they were good with balance transfers. Are they still active in the market or should I close. I also have a JaJa card (old PO) should I close or might I…
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Advice on getting a new credit card
Hi I have had a credit card with Amazon new day now taken over by pulse for a few years now. I’m nearly reaching my credit limit of £2750. I’ve decided to switch cards to see if I can get one with 0% interest for a few months to try and clear my balance. What type of card is this? I’ve found one from Santander with 22.9%…
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0% balance transfer
Hi I have 2 credit cards, a capital one card the other Halifax-I can pay off the balance! I'd like to look for a 0% balance credit card for the capital one balance! I have my current account with Halifax. The best one I'm matched for is the same credit card company (the one I can pay off) - Halifax, however, my existing…
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Paying my car loan off with a credit card help
Wondering if you kind people could enlighten me on my rights here. I had an amazing 0% offer for a card with a healthy balance from Lloyd's. Given the current climate I applied with the view to using the balance to clear my car finance with BMW. Called up today to pay up and told that you aren't able to use credit to clear…
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Not sure if I’ve got this right…
Hello I opened a 0% balance transfer with MBNA for £1200 and have been paying it off. Recently, my rental house boiler went and took a 0% for 12 month money transfer from MBNA for £2000, from the same card. I spoke to MBNA(to someone I wasn’t convinced by) and they have said that I won’t be charged interest but I’m…
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Santander All in One Credit- Processing times
Hey! Has anyone recently applied to the All in One credit card? I wanted to ask how long it took for a decision to come? Normally I had decisions straight away but for this, I got an email saying they will be in touch soon? I applied today (bank holiday) so would this impact it? Thank you :)
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Card Suspended
Be aware Centrica Hive have carried out an exercise a day before a bank holiday to check the validity of their payment cards. I received this message this morning “£0.00 (Centrica Hive) has just been debited from your XXXX Credit Card ending XXXX. Do you recognise this? Reply asap with VALID for yes or FRAUD for no.” My…