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Quick question about my Cap One cashback card
I've had the 4% cashback card since October so I'm coming to the end of my 3-month 4% period. I was thinking of maybe cancelling this card and instead replacing it with 0% purchase card and thus beginning to "slow stooze". Few questions really: 1. Will this be more profitable? 2. If I cancel my Cap One card now would they…
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Im not sure I want a credit card but..
I want to rent a car when I go on holiday in Italy (hopefully!). I cant seem to find an easy way of renting a car without having a credit card to give as a deposit. I've never had a credit card before and neither has my husband. to be honest we dont know much about them - we've always got by on debit cards with no…
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Tesco Credit Card Online Payments
Every month I pay off the balance on my Tesco Mastercard in full. I pay the minimum payment by direct debit & the remaining balance online with my LTSB debit card. Last night just after midnight I tried to make the online payment but when I got to the end of the procedure & pressed 'confirm' all I got was a notice about…
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Best way to rejig cards?
I unfortunatly over the last year got myself into some card troubles since my partner left and I was stuck with taking on everything or having nowhere to live. I get by from month to month or rather didnt by sticking a bit here and there on cards, This was all well and good and I could manage it until the lenders started…
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Questions about Balance Transfers
Hi folks, In the updated Balance Transfers article, these is a new Q&A section where some of the most commonly asked questions are answered. http://www.moneysavingexpert.com/cards/balance-transfer-credit-cards#qa Hopefully this will be of use, especially to newcomers. But if you have any more questions you want answered,…
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Balance transfer after reclaiming charges?
Hi people... bit of advice needed. Having successfully reclaimed over £700 (in historic charges) from Barclaycard :money: I now want to start working to reduce my other debts. I have a £4000 debt on an HSBC Visa card (at % APR) and I've been reading articles on here which suggest I may be able to balance transfer to…
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Should I balance transfer?
At the moment I have £4500 on my MBNA card at 19.9%. I also have an Egg card credit limit £6900 with a balance of £5100 at 5.9% life of balance. They are currently offering me a balance transfer of 1.9% until August, which means I could transfer about £1600 or a little more to my Egg card. I have tried applying for another…
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Capital One + Ge Money
Hello! I used to have a Capital One card and a GE Money card. Iv cancelled them both now about a month ago. Does anyone know when either do an update to Experian and Equifax. Im waiting for a little green S to show on my account:D Thanks Guys!
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Barclaycard Interest Rate Change
Just a quick note to anyone on a high interest rate - I noticed my Platinum Barclaycard was 21.4% on my statement (after mistakenly believing it was about 14.9% which is bad enough). Phoned them up had a moan, lovely lady asked if I was intending on clearing it or spending more. As I am paying off as much as possible and…
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MBNA Interest Charged
Six months ago I got an MBNA card with 0% interest on purchases for six months. I made the minimum payment every month until last month, where the total balance was around £1500 and the 0% was due to expire. I paid the full balance on 21st December (due date was the 28th) which is exactly how it is shown on the statement…
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balance transfer question- a tough one!??
Hi everyone. not been on the forums for a while but trying all the same.... ok here goes... i received some credit card cheques for a 0% BT rate. These are from Ltsb for my platinum card. the card is pretty much near its limit of circa £15000.. was thinking i could move £3500 to an empty egg card then move it back at 0%…
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Credit card companies won't help !!
Hi everyone ! Due to me having to leave my marital home two years ago, i have had to start life again. The problem is i have had to take on most of the debts as well for various reason. Anyway, this year i thought it's time to stop paying the minimum payments and try and negotiate with my two credit card companies to…
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Credit limit on a Natwest Gold credit card
Hi i was wondering what the credit limit is on a Natwest gold credit card as you need to be earning £20k or more to apply and seeing as the next card up (platinum) requires you to be earning at least £25k per year i thought that someone must know roughly what the limit is on this card?
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Best Balance Transfers Discussion Area
This is the discussion area for the guide Best Balance Transfers: Cut the cost of existing debts Please click reply to discuss
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Help deciding on best card for first time credit card
I have been a student for the past 3 years and am now in full time work. during that time I only used a debit card with an overdraft so have never had a credit card. I now need one as I get paid at the end of the month and would like to take advantage of rewards/cashback if possible. Have looked a a few of the guides but…
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Quick credit card question
I need some quick cash and was wondering , is there a way to transfer funds from my credit card to my bank account? Both my account and credit card are at Lloyds TSB. Thanks.
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citi classic cards
Does anyone out there still have one of these.I got it several years ago as it was the only CC I could get in my situation then.Basically I had no choice.the interest rate went down from 25% to 15% and then up again and currently sits at 18.95-although I have now cleared the balance. I have asked re this on other threads…
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Virgin Credit Card £40 off virgin media
Hi, I found a link ( http://uk.virginmoney.com/media/) which says you can get £40 cashback off your virgin media account if you take out a credit card with them. Do you think they would give me it now as I've only just found the offer, I took out my credit card on the 21st December. Just phoned 150 but really couldn't be…
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Egg money card
I would like to transfer my balance from my credit card at 0% for 12 months into my current account via my Egg money card. Am I correct in transferring the balance from the credit card onto my egg money card, which will put me in credit by about £1750 on my egg money card and then transferring from egg money into my bank…
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Abbey checking on me?
I just got my credit report and on there I saw that Abbey had made a search and the search reason is stated as "Money Laundering". What does that mean?
