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Vulnerable unemployed son able to get credit card!
Can someone explain how my 40 year old son was able to get a Virgin Money credit card recently. He has mental health issues, lives in supported mental health accommodation, his only income is benefits which are all spent on his living expenses, mobile phone, broadband and utility bills. He has recently become a compulsive…
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Balance transfer - how much?
Hi we have 6k on a credit card and the 0% is ending, we were thinking of getting a 0% transfer card for 14 months (natwest) to shift the debt but wondering is there a limit on how much you can move over and how many times can you shift debt to these cards or is it just a one of move Thanks in advance Dave
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Closed credit card and refunds
During the past year, I have closed a credit card account and had 2 moved to new providers - keeping track of the numbers is a tad tricky. I took out a magazine subscription, but subsequently decided to cancel and was due a refund. However, refunds go back to the original payment method. Despite advising I no longer had…
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Capital One credit card question
I am pre-approved for the Capital One Complete 6 Months card, which offers 0% purchase and balance transfer for 6 months as a first Credit Card. On their website, they advertise that for purchases and balance transfers, they offer "0% fixed for any statement period beginning within the first 6 months of your…
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Discrepancy between eligibility checkers
I've had a basic, standard credit card for a few months now (my first one ever), the other week they tripled my credit limit, and on Experian it's now 900+ after several months - all paid by direct debit straight away, sometimes paid in advance for the sake of it. I'd wanted to eventually move to getting an Amex Rewards…
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credit card balance transfer
Hi, sorry if similar question asked before in this forum. I recently applied for a Natwest balance transfer credit card with suprisingly13K credit limit. I have transferred the balance on my other Halifax credit card. Due to my two year fix rate mortgage ending by the new year I am considering withdrawing money from my…
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Credit Card Balance Transfer
Just wondering if it would be acceptable to take out a zero balance transfer card and do a bal transfer to another credit card that has a zero balance on it. So for example, transfer £1000 to an old credit card with zero bal, giving you £1000 credit bal and while you spend on that card you don't need to make any payments…
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First Direct Gold Credit Card - Amend Direct Debit from Minimum Payment to Full Statement Balance
Has anyone been able to amend a direct debit (DD) setup to pay the First Direct Gold Credit Card from minimum payment to full statement balance. When I applied for this credit card, I chose minimum payment because there was a 0% interest for 17 months offer. Now that the offer has expired and any balance will accrue…
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Virgin Money new promotional money transfer rate
Hello! I currently have a Virgin Money 0% Money Transfer Rate which is active until 31/03/2024. This currently has £650 owing on it. I've now been offered a new promotional rate which 0% until 30/09/2024 for any new transfer. I just want to know if I'm correct in thinking the £650 will still have the same promotional rate…
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Chargeback for an online purchase, my likelihood of success?
Hi guys, I bought an item online, and Id like to try a chargeback as the item is faulty. But Im not sure if Ill be successful, youll see why given the timeline: I paid for an item online form a seller in Spain. The transaction was on 1 August. (He made me pay it into his wife's personal account, which I found a bit dodgy!)…
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Barclaycard statements
Another question! Anyone else had issues with getting colour copy Barclaycard statements recently or them turning up 5-6 months later? Every time I request them (Since May) & the dates put on the Barclaycard system (which can be seen by the Barclays/Barclaycard agents with all the dates I requested & the all the orderers…
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Credit card company forcing online statements
Hello, I bank online with Halifax and they repeated tried to get me to change to paperless statements for my credit card - each time I refuse as I prefer to keep a paper copy for my records. I've just received an email informing me that they are forcing me into online only statements and I have no choice in the matter.…
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Halifax Credit Cards - Changes to Cash transaction types
I have today received my Halifax Credit Card statement which highlights changes to cash transaction types from next month: Changes to Cash transaction typesFrom 15th October 2021, certain cash-like transactions will be treated as Cash transactions instead of Card purchases: + Sending money orders or wire transfers (other…
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Barclaycard new logo
So I noticed today Barclaycard changed their logo on FaceBook & X from to this I wonder if it will change on website statements etc
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Safestyle gone bust with my £200 deposit.
I paid a £200 deposit for a French door with Safestyle and agreed to do it on finance.. They have gone bust, the surveyor didn't turn up on the agreed date. Do I still have to go through with this finance agreement even though they have gone bust and have not even sent the surveyor? I have had an email from Anglian home…
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Section 75 Help
Hi All, I bought a car from a Garage in Yorkshire (I live in Glasgow ) The car has developed a major fault the DPF within 30 days. I have tried mediation through the AA dealer promise however this wasn't worth the paper it was written on. The garage have refused to refund even though I am well within my legal rights and…
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Confusion with MSE Credit Card Eligibility Checker Results - Seeking Clarification
I recently tried out the credit card eligibility checker here on MSE, aiming to get a clearer picture of which balance transfer credit cards might be within my reach. However, I've run into a bit of a puzzling situation and would appreciate some insights. The checker indicates that I am 100%, 90%, or 80% likely to be…
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Improve Credit Score
Hi all I have recently turned 18 and wondering the best way to start up my credit score and start developing a good score. I tried applying for a small credit card with my bank but got declined!! Any other advice or tips?
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HSBC Advance Account - associated credit card
Just an update for anyone who has applied for an advance account and all that goes with it, under the current "free £205" offer. As part of the application process I said yes to both the credit card and the overdraft, everything has been set up very smoothly and quickly - all that is outstanding now is telephone banking…
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Amex - supplementary cardholders and requests for info
Hi, all. I have an immaculate and active Amex with two supplementary cardholders within my household. Amex have suddenly demanded that I supply P60s/payslips for the supplementary cardholders and claim that it's just something they're "required" to do. One is a company director so their P60 shows a typical director salary,…
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