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0% transfers drying up?
Noticed recently that 0% transfers (for existing customers) have started to dry up. Barclaycard in particular has had zero offers for the last few years. Credit score is excellent - but I do have a few loans, wondered if the balance on these needs to reduce before offers appear again? Is that the sort of thing credit card…
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0% transfers
We have two current credit cards (Vanquis and Barclaycard) in my wife's name, and a loan from Zopa in my name. We are able afford the payments, and have been paying slightly more than the minimum on the credit cards. However, we have a remortgage imminently and are looking to make a bigger monthly dent in the debt to…
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S75 claim - no invoice provided by merchant
Hi all, Recently had some cosmetic work carried out on my car and the standard of the work was poor. Sent the car back to have the issues rectified and it came back pretty much the same. Merchant unwilling to help so I lodged a S75 claim with American Express. I was never provided with an invoice and American Express are…
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Balance transfer to credit card
Hi, Does anyone know how you can pay off a loan with a bank to a credit card, that I got specifically to do this for, to cut my interest payments. I have tried through the bank, they won't accept it, and I have tried it through the credit card, they too won't accept it. Any suggestions
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Temporarily cashflow problem, and Barclaycard.
I have some cash locked away on some fixed term higher interest accounts, and currently having some cashflow issues. I could forgo the internet on these, but figured I could also take advantage of one of the zero interest cards. I took out a Barclaycard with an "upto 21 months" interest free on purchases for help with the…
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Can I stop pre-approved payments?
Hi, Is it possible to stop pre-approved payments on a credit card? By that I mean when a car hire company takes your credit card details months later they start taking amounts from your account - the amounts they are taking are in dispute and I want to withdraw my authorisation for them to take any more.. is this possible?…
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Halifax Clarity credit card.
My old Halifax clarity card expires this week. I sent for a new one which arrived quite quickly. It still has the same numbers and pin number. Is there anything I need to do to make it active? I have read the notes which come with it but nothing mentioned about activation, is it ready to go. It's to use abroad for a…
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Barclaycard Cash Withdrawls.
Generally speaking, of course, it's wise to follow MSE advice and never to use Credit Cards for cash withdrawls. However, with the Barclaycard Rewards card (where cash withdrawls worldwide are fee-free), doesn't it make good sense to use this method providing you have a dD set up to PAY THE FULL BALANCE next month? I feel…
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Santander Edge Credit Card - Using it Abroad
Hi, my new card is on it's way and with 2% cashback for the first year I expect to use it extensively. A significant amount of my spending will be made in Euro. Has anyone had a chance to use it overseas yet and can confirm the 2% cashback applies to non sterling transactions ? Were you happy with the exchange rate and was…
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Santander credit card blocked
I just got a Santander Edge credit card and after four transactions (one chip and PIN, one contactless, two online) they have blocked it as they were worried about fraud. I am glad they are cautious, but this seems excessive. The only thing that could trigger a warning is that the contactless and first online were for…
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Balance Transfer Help!
Hi everyone, a newbie here so please excuse me if this has already been answered. I have 3 credit cards, 1 with 7k limit and £4k balance and 2 with 2k balance and paying £80pm in interest across all three If I move one of the £2k balance to the 7k limit to clear one card, then move the other credit card £2k balance to the…
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Experian Report Reporting a Loan I don't have - Identity Theft?
I signed up for the free version of Experian last week and the report was clear. I had an email from them today to say "Your Experian Account has been updated" I logged in to see the following:- Stating I have a loan of £193 3 accounts and 2 credit cards. I have checked the three bank accounts and two credit cards and…
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Credit cards: what issues should MSE be raising with the industry?
Hi all Here at MSE we sometimes have the opportunity to talk to industry bodies, and one of our colleagues will be talking to representatives of lenders very soon. We've already scoured the forum to spot recurring issues that would be worth highlighting, but if you've had a recent experience of dealing with a credit card…
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HSBC - Section 75 doesnt cover our OPB with debit card payment???????????
We recently purchased a car from Car Store (won't ever do it again!) and we paid £99 by credit card to reserve car. We then decided to buy it and asked if we could put £100 of the balance on a credit card. They first said no but to get the sale said yes (we thought this would give us cover for the debit card payment of…
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MSE News: Barclaycard's cutting minimum repayments – you could be in debt YEARS longer
If you've got debt on a Barclaycard, it's likely the minimum you have to repay each month will be cut from July, as the bank is changing how repayments are set for millions of customers. If you're unaware, and don't act, you could stay in debt for many years longer and pay possibly £1,000s more in interest. Read the full…
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Hard Searches - How long affect?
I've been foolish and did several searches for loan deals direct with lenders all at once. I also opened several accounts to make use of the offers, but have very little actual debt. I'm now trying to secure a reasonable personal loan and being turned down because of this activity it seems. There are various answers as to…
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VM Payments via Apps
This is my preferred way of repaying CC's in addition to DD's. VM is one example of linking their App to personal banking Apps. This ensures I have more control in reducing CC's at my convenience and affordability. Does user's think Apps are positive addition.. thanks
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HSBS Expat Credit Card
I am trying to arrange a balance transfer from my HSBC Expat credit card(Jersey) to another banks credit card and have already had a first attempt rejected by Barclays - is there anyway to find out what cards are accepted for balance transfers by the banks?
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Will balance be automatically transferred when account is approved
I applied for a virgin credit card to get a balance transfer offer. They phoned me to confirm more details ( was the fraud team just checking details). I think at the time of application I just put the total amount of debt I have. The amount they have given me is less than my total debt on my two cards. I then got a…
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Buying a Car on Credit Card?
Hi, My Credit Card has £5000 limit with 0% Interest on it for 12 months I think. If a find a used car for £5k, I know its gonna be tough to find for £5k because used car prices have nearly doubled in price after covid & inflation however Inflation will make my £5k debt cheaper over time. Does the 12 months 0% card offer…