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Balances
Do balances on credit cards or any credit you have on your report affect ability to get future credit or does it not matter as long as your paying the minimum payments and sticking to the terms, I know it costs more etc with interest but purely want to know if it affects a lenders decision, I mean if all the balances was…
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Travelling abroad soon - how can i use banking apps to withdraw cash and monitor card spend?
Will be travelling soon outside UK/Europe. I've got some travel credit cards e.g. Barclaycard, Clarity and well Chase Debit... I want to know when i arrive whether i can just stick the card in an ATM and just withdraw cash? Secondly, as I have apps tied to the cards, will i be able to login and monitor spending on them? I…
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MBNA Misinformation
Before anyone starts, I am not seeking compensation, purely want to engage in conversation about the topic and see people's thoughts. I couldn't see any balance transfer offers on my MBNA app yesterday, not surprising given my credit record. Thought I'd just ask on live chat to customer services how often these get…
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Settling old debts
If a dca can’t locate a credit agreement for a credit card debt that’s been with them for 20 years and is therefore currently not enforceable (as per their reply), even though I’ve been paying them £5 p/mth for 10 years is that the end of it, can I stop paying the £5, can they still chase me? The debt is also not showing…
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0% transfer options
I currently have about 11,000 spread across two credit cards and Next. And would like to transfer to a 0% balance transfer card. The eligibility checker on here looks promising, but it doesnt tell me what the limit will be? Also, has anyone done a balance transfer with a nextpay account? - is that possible?
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How to rebuild credit? Rejected by Vanquis but "pre-approved" by Capital 1
Hello, I am currently unemployed and in receipt of UC and PIP relating to Schizoaffective Disorder. I have been sectioned and made homeless several times over the past five years but have been working hard to manage my mental health over the past year, complying with my prescribed medication and working part-time on a…
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FOS complaint upheld Vanquis
Vanquis have upheld an irresponsible lending complaint and have agreed to refund interest and charges from the opening of my account, which totals £656.30. Initially, my credit limit was £1000. After removing the interest and charges, my remaining debt stands at £343.70. However, over the course of my account, I have paid…
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Santander Credit Card - Rejected Claim - any other help available?
Hello, I am wondering if anyone knows where I can go to try and get some further help with this. With hindsight, I can see the initial decision was not a good one, but I need help on the situation I am in now. I was contacted by my brother a while ago who was desperately in need of help to make an online payment to release…
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Amex cashback scenario question
Hopefully some helpful member(s) can advise on the following.I have £75 (ish) accrued cashback on the Everday Cashback Credit Card due to be paid late July.We are very unlikely to use these cards in the next month or two and I just wondered how Amex will action the refund if the balance due is less than this amount at the…
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Vanquis what was my apr
So I’m trying to one tidy up multiple credit cards up that I have open all of them are paid off in full apart from this one I’ve carried a balance on. Has a £3000 limit always been paid on time never gone over however the apr was horrendous well from what I remember anyway i have just paid off £1,200 have around £150 to…
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NextPay Max Temptation
Honestly with Promo Savings of £90.50, Tempting Indeed.
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NatWest 0% offers once deal has finished
I have a virgin and Sainsbury’s card, paid them off then couple of months later they offered me another 0% deal - just wondered if NatWest did the same with their cards?
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Does Section 75 cover me for a faulty phone over £100 brought from Amazon Marketplace
Brought a phone for £170 in January 2023 from Amazon. Despite it actually being despatched by Amazon, I've only just found out that I brought from an Amazon Marketplace seller and Amazon held their stock. The phone is faulty. The seller has left Amazon Marketplace. The company is in the process of being struck off. Does…
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Virgin Money balance transfer
I see VM are offering a 27 month 0% balance transfer which would be very helpful. However, the card I'd want to transfer from is Nationwide and I wonder whether this might count as a transfer within the same group as Nationwide are attempting to take over VM. I don't know how far the takeover process has got.
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12 months (or less) left on plan 1 student finance - settle with 0 % Purchase credit card?
Hi, I have a plan 1 student loan and I've received a letter from SLC declaring that I'll have my debt paid off in less than 12 months. The outstanding balance on the student loan is approx. £2800 I have short term savings of £2500 (a pot which i typically dip into for frivolous spending e.g clothes, restaurants) Initially,…
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Zopa balance transfer scam
Hi I’m new here so please be kind. I have a credit card with zopa and got a 6 month 0% balance transfer which ended 6 may. You can’t pay towards the balance until the credit card is 0 apparently. Balance on cc 882 balance on bt 1450 29.9% apr but they can’t tell be how much I will pay monthly towards the balance transfer.…
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I never understand accountants language!!
Had problems understanding how accountants work in the past, I put money in and on the account it has a - symbol! But my email from Barclaycard really flumoxed me. I applied for a 0% credit transfer to another card. Email said "Your balance transfer of £++++ from card ending 1111 to your Barclaycard ending 2222 is…
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Have I messed up?
I am new to stoozing I have a balance on MBNA card of around £5000 at 0 percent for about another year. I pay minimum amount and have the £5000 in a savings account. I have now taken the 0 percent fee offer of 21 months at 6.9 percent and MT around £7500 today on the same card and immediately did a BT of the same amount…
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M & S Credit card
I have a m & s credit card which says no cash advance fee will be charged when buying foreign currency, is this a no no would it be classed as a cash withdrawal and go against me? Thank you for your replies
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Balance Transfer - How Long To Go Through? MBNA to HSBC
Hi there, So the quick tale is last weekend on the 05/05/24 I applied for a new HSBC credit card with a 26 month interest free period on for balance transfers. On application I filled in the MBNA card details I wanted to move the money from, completed the rest of the application, and got the card on Thursday the 9th May. I…
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