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Knowing credit limit before applying
I don't know if I'm just searching wrong, but is there any way to determine what credit limit you're likely to get before applying? In particular for 0% balance transfer cards, it would be really handy! Alternatively, is there a way to approximate? Or, worst case scenario, are you more likely to get a higher limit on a…
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Mortgage application should I accept PayPal credit limit increase?
I am due to change my mortgage in June. I have been offered an increase to my credit limit with Paypal. Should I accept and it will help my application credit score or decline?
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Help deciding how to pay off credit cards
Hi all, I have 3 credit cards and my initial plan was to pay off the card with highest interest however; my thought process has shifted slightly and just want some advice. Credit card 1: £1,167.00 left to pay with APR 43.448 Credit card 2: £392.00 left to pay with APR 41.590 Credit card 3: £720.00 left to pay with APR…
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Virgin Money Travel Credit Card - Overseas Usage Query
Having shortly to have my Jaja Credit Card cancelled (see
other threads about this mass closure by Jaja), which I only used for the free overseas travel transactions
mainly in the USA, I decided to look at the MSE Credit Club to see what other
cards I could be offered to use on holiday. I liked the look of the Virgin Money…
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CREDIT CARD
Hi I hope all are well I need to ask as been with a certain bank and have had their credit card for years and had a reasonable credit limit with them But I just logged on to my app and found my credit limit gone down by 12K when I called advised letter was sent but that was yesterday My issue I use the credit card to buy…
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0% spending credit cards
Hello, I have a question regarding 0% spending credit cards. I want to apply for one this weekend, however, I have recently been given a 5k salary increase at work, but my first wage slip at this new salary will not be until the end of April. So if I apply for the credit card this weekend then when the lender runs the…
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Amex Eligibility vs MSE
I'm thinking of applying for Amex Preferred Gold card as I have overseas travels within the next 3-6 months, I believe I will be able to get the welcome bonus. I used MSE eligibility checker and I got 90% approval, but the Amex eligibility checker states 1.5/10. I already have an amex platinum every day Cashback with them…
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HELP! re fee for paying by credit card
Can anyone help? We are purchasing a car later today and partly paying for it on a debit card and partly on a credit card. The car company say they will charge a 3% fee for the credit card part of the payment, but my understanding is that it is now illegal to pass on this car handling fee. That is what MME seems to be…
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Want to pay off Very and Next
I have a Very account and a Nextpay card. I am paying every month but don’t seem to get anywhere fast. Is there a credit card with either 0% or very low % interest that I could try to apply for which I can use to pay them off and just have to pay off the credit card instead?
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Credit card payments
If you use a credit card to pay for a Wi-Fi rental abroad, and as part of the rental contract there is a late return fee, can the merchant charge your credit card automatically or do they need to request the payment from you?
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Quickest, cheapest way to pay off loan please.
My son has a consolidation loan with his bank, he owes about 6500, (old sofa/tv/furniture stuff) he has excellent credit history, good income etc. On his on-line account they are throwing credit cards/additional loans at him, as this loan is his only borrowing. He has all the normal history on his files for running a house…
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Exact dates when 0% BT period ends
Hi all. I'm looking to do a BT next month and I'm not sure how different cards work. Specifically, if a card says for example 12 months 0% BT and I do the transfer today 28th March, will the 0% period expire after a year on the 28th ? Or is it usually on the last day of a calendar month? I've used 2 money transfer offers…
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Interest free period on credit cards
I am using a Clarity credit card by Halifax. It has 56 free period, and on a website its wrote: * You’ll get up to 56 days interest free on purchases, as long as you pay off your balance in full every month. And I don't get it. How can I get 56 days with no interest, if I have to pay credit card in full every 30 days? For…
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Garden Furniture - Section 75
Hi, im after some advice please. I’ve never done a section 75 claim before so I’m a bit lost as to if I’m entitled to make one or what the process is. I have a M&S Mastercard Credit Card which I purchased some garden furniture on last Feb (12 months ago). It was £3000 in total, so not cheap. The furniture itself has a…
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Credit Cards
Hi there I have a credit card with Jaja finance which allows me to spend abroad without incurring fees. I got an email from Jaja to say that the credit card is no longer going to be in use from 24th May. Can anyone recommend a credit card that would allow me to spend abroad without incurring fees? Thanks in advance
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Interest Payment on M&S Card
Hi, Our next payment is due on the 1st April. Our current outstanding balance is £5.9k, with the payment by the 1st at c£4.5k. If we don’t pay the full £4.5k, will the interest charged depend on how much money we do pay? For an e.g., if we paid £4.4k, would we get charged interest on the £100 we didn’t pay, or get charged…
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Balance Transfer for 0%
Just wondering how long a balance transfer takes? We're buying new kitchen worktops (cash is available) but just wondering about paying by card (cashback card) and then transferring the balance to a new 0% card. Obviously timings would need sorting as I would need to pay initially as soon after the purchasing card payment…
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Linked Nectar card to sainsburys credit card
Hi there . Hoping I get get some clarity on this issue from you lovely people. I have a Nectar card linked to my Sainsburys credit card . I seem to be getting points for using the credit card but no points for using the Nectar card (1 point per pound spent). I assumed , seeing as the cards were linked that I would…
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Balance transfer and money transfer
Hi everyone, I've just got a new Virgin Money credit card which offers 28 months at 0% interest for balance transfers. I have successfully completed a transfer from a Vanquis card and I'm happy with that. I also wanted to transfer a balance from a Cashplus card, but I find that I can't do that because Virgin Money and…
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Barclaycard Avios (free and Paid) question
I am looking to apply for either the free Barclaycard avios card, or the paid one, however I am in a bit of a dilemma. For the free card, there Is a minimum income requirement of £20,000, although I read on different forums that people got accepted for the free card despite having a lower salary (and low credit…