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Credit Limits - or not..?
If my credit card limit is exceeded in a shop purchase, my card is firmly 'Declined'. Quite right too. However, I recently made an online purchase by mistake that was approved even though it exceeded my limit by several hundred pounds. This caused all sorts of problems. Lloyds told me that it is up to the merchant to…
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Old empty cards
I find I have a number of old credit cards, with a total credit of over 27k (unused) on them. Which is best for my credit rating - cancelling them, reducing credit limit, or leaving them be ?
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CC Lower limit or close
Hi, I have 5 Credit cards. All of them have a balance of zero so none of them have any outstanding balances. I have had these cards for many years but in total the credit available is in the excess of about £30k. MBNA being the largest availability of £16k. I am planning on applying for a mortgage in Feb 2019. I already…
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Positive Balance on MBNA or Fluid?
I would like to stooze using my Barclaycard that has given me a 2yr deal at 1.9% BT fee The only other cards I have are MBNA and Fluid, will they charge to withdraw a positive balance? Thanks
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Sainsburys Bank
For a few days I haven’t been able to view recent transactions, now my online account does not exist!
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Credit Limit doesn't cover balance transfer
I have a credit card with a large limit. I've applied for a 0% balance transfer credit card, which i have been accepted for, but the credit limit does not cover the amount i want to balance transfer. Do i apply for a second 0% balance transfer or do i just pay work with the lower limit? I'm worried that i'll now be paying…
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Interest on Store accounts
Hello there. I am hoping someone out there can help. I have a number of Store accounts which I make monthly payments but seem to pay far more in interest than paying off the debt. I am in a complete mess and am looking at entering into an IVA. However before I do that I hope to contact the Stores and explain the situation…
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Its on Us Bank of Scotland Scheme
Has anyone actually ever had anything from this ? - I have loads of friends and relatives who all are in this scheme and never heard of anyone getting a penny - is it for real. Plus check it carefully they have twice missed giving me the money - I am sure there must be a huge pot of money somewhere.
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Section 75
Bought free sample face cream for £3.95 postage with credit card. Company supplied 3 samples with no invoice or contact details. Subsequently found they have fraudulently used my credit card and debits totalling over £271 have appeared under 2 separate names. 5 amounts but all under £100 if considered separately. RBs…
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stooze pot
hi all, i have a limit of 10500 across three 0pc ccs, balance of about 6000. should i max these out and make the most of my stooze? or should i leave a little leeway for credit history purpose ie credit utilisation? also wondering what I can do to continue my stooze, can I wait to be closer to my limit and apply for more…
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Stoozing advice?
We have a planned expense for the next couple of years for my wife to do some training. The fees will be about £7k over the next 2 years. I'm trying to work out if it will be better to arrange a normal loan for this or to take out a 0% card. The issue is, I think we would be better to try and release the cash from the card…
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Debt management agency's
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Bank Account Fraud
Im gonna try and tell this story as best as i can , about 6 or 7 months ago fraud was committed on my account (and no i didn't know about it , since it was done by my own family member). Long story short my younger brother took my credit card and gave it to some money launders who do "AC/ Sqrs" in order for them to put…
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Where to start & is it worth it? BC with 17K Limit
Afternoon all, Once I have cleared a balance I will be left with a BC with a 17K limit. I will renegotiate a deal with them when it comes to the end of my interest free period. Im looking at a very low/0% money transfer to a bank account but am concernced the available saving rates might not be worth it. Can any…
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Northern Rock Advce
ello, I have had a mortgage from Northern Rock since 2006, part secured and unsecured and currently owe £61,000 secured and £7,000 unsecured. We did not pay a deposit and it is a 100% morrgage. Do you think I have a case to retrieve a payment and or the unsecured loan to be wiped (ideal scenario) ? Any help/suggestions…
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Wannabe Stoozer
Hi all, So I have recently come across the whole premise of stoozing and after having a good read, I have applied for a purchase credit card on 0% for 26 months. Obviously the way to use this card is to make purchases like normal but on the credit card, but i'm just weary at what I can purchase as I want to take it slowly…
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BA airline change - refund?
Hello, some advice please - I booked to travel to Majorca with BA. A month later they advised me that they had shifted the flight operator from BA to Titan Airlines. I've never heard of Titan Airlines and booked to fly with BA. I asked them for a refund but they have so far said I am not entitled. Am I entitled to a refund…
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Phoning Barclaycard fraud re positive balance
So I put my Barclaycard £10k in credit with a (0% fee) balance transfer - Barclaycard is often mentioned on here as being co-operative in transferring +ve balances to current accounts, and I was emboldened by them having done that for a smaller amount a week previously. This time I messaged them to ask for it to be…
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Debit cards
Hi,any advice greatly appreciated.got a £100 gift voucher for my daughters at christmas.the hair saloon has went into liquidation.the Halifax has told myself that as I used a Halifax visa debit card I have no recourse and to join the list of people waiting on money.surly the Halifax should be protecting consumers using…
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Legal Charge over My Home
Good evening, I’d be most grateful for any advise as my estranged husband has got us into a financial mess....... To cut a very long and unbelievable story short, he decided to prioritise non priorities instead of paying school fees amongst other things. The school is now being paid £2k per month by my estranged husband…
