The HfP chat thread – Friday 15th January

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• BuildBackBetter says:

  15 Jan15 January 18:42

  Anyone know when credit card balances are reported to credit reference agencies? Had a delayed payment charge for a card in Nov, that was reversed after request – wondering if I am in the clear now or should I still be expecting a hit to the score.

  • The real John says:

    15 Jan15 January 18:53

    Look at what dates that card previously reported to all 3 agencies

  • James. says:

    15 Jan15 January 19:54

    This depends on the lender. This is a mine field (as I have found out). I got stung by MBNA reporting I had £6k on a credit card when in fact the amount was cleared 10 weeks before. Which lender are you referring to?

    • BuildBackBetter says:

      15 Jan15 January 20:45

      Creation.

      • James. says:

        15 Jan15 January 21:50

        They normally report using balances from the end of the month. I have just got my clear score and doesn’t show January update. Experian is due in 5 days so will see if that captures an update.

• Boi says:

  15 Jan15 January 18:53

  Update on Revolut.
  They actually accepted my SOF. Yay!

  I didn’t realise I spend so much (hey big spender). Apparently I spent £179K in the last year. 🙄🤣

  My account is unlocked now.

  • Alex says:

    15 Jan15 January 19:27

    If you don’t mind asking, what SOF did you give? Especially if you aren’t earning those kind of sums

    • Boi says:

      15 Jan15 January 19:45

      I gave them my payslips and bank statements from Canada for Oct-Dec (which I am lucky coz it’s more than double my U.K. pay and it’s paid without tax deduction). I also gave rental agreement for house in Ireland and apartment in Leeds. I don’t know if they actually add up but they didn’t ask for anything extra.

      • Boi says:

        15 Jan15 January 19:48

        Ps, my pay in Canada will be more than that (gross) so that may have helped…… I don’t want to give people false impression but wanted to say if you provide what they are looking for then they do unblock the account.

        • Anna says:

          15 Jan15 January 21:28

          I’m going to stop worrying about putting £1k a week through it now 😂

  • Bigmaggot says:

    15 Jan15 January 19:27

    £15k a month, fair play!

    • Boi says:

      15 Jan15 January 21:52

      Ha haa @Anna sometimes I put 4K per day 🙈

  • Tom says:

    15 Jan15 January 19:28

    Sorry late to the party. What are people using Revolut for?

    • ashish says:

      15 Jan15 January 22:31

      MS for avios. try HSBC Elite one

• Darren says:

  15 Jan15 January 19:26

  Just had notification of a flight time change by 2hrs. It’s the return leg LHR to NCL after a holiday in the US. I guess this wouldn’t be justification for moving the whole trip to later in the year?

  • ChrisC says:

    15 Jan15 January 22:34

    No.

• Stephen says:

  15 Jan15 January 19:43

  American Express – AML checks

  Hello, I’ve got an AMEX Business Gold card that I’ve had for a few years. I opened a new business in July, and closed the old one that I applied for this card with a few years ago. As the card was linked to my personal credit record, and didn’t have the old business listed anywhere on the card, I didn’t get around to changing the card. They are now saying they are doing some routine AML checks – has anyone managed to get AMEX to change the business details on an AMEX? Thanks

• Ryan Berry says:

  15 Jan15 January 20:20

  Natwest £70 back offer for recontracting Sky TV

  Anyone know if just swapping the DD account to this one would trigger it…?

  • bartas8891 says:

    15 Jan15 January 22:43

    Unlikely IMO

• Keely says:

  15 Jan15 January 21:42

  Evening all I’ve had a refund from BA – and they’ve clawed back almost 4000 avios based on the assumption that I received 3 points per £ spend . However I paid for these fees on the free card (before upgrading) so only received one avios per £ ….anyone had experience of this please..? Thanks

  • Adam says:

    15 Jan15 January 21:59

    Just speak to Amex via chat and explain the original transaction earned one avios per £ and ask them to refund the avios difference. I did it in the past, no issue.

    • Keely says:

      15 Jan15 January 22:09

      Thanks Adam . Didn’t know it if was worth bothering but I’ll give it a go now thanks

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