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no income, big debt, different country
Hi I owe £6000 on a balance transfer. I am on disability payment and have been for nearly a year. The debt is on uk cards. I now live in In ireland. The 0% balance transfer comes off in June. I can't afford to pay £2000 but maybe if i stretch myself. this would still leave 4k. Should I call them? forget about them, I live…
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Handling fees for paying by credit card - isn't it against cc associations policy?
Is collecting a handling fee for paying by credit card not against credit card issuers (cc associations) policy? A number of on-line operating companies charge a handling fee for using credit cards and even debit cards. This includes amongst other EasyJet.com, EasyCar.com, RyanAir.com, Travelstay.com . Some of them do not…
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all very strange
i had a capital one card with a balance of £200 and to cut a long story short the balance went up to £450 in charges!!! anyway i paid them £200 which i spent and told them that im not paying £250 of charges...anyway that was 3 years agoooo and i neevr heard anything from them...today i received a letter sayin i owe them…
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Capital One - 21 working days for a transfer!!
I paid off my Capital One balance this month however my standing order also came out putting me £200 in the positive. I phoned to ask how I can transfer it back to my bank and they say it takes 21 working days!! I possibly know why they want to hold onto it but how can they justify it when a balance transfer happens with…
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Payment query
Due to a miscalculation on my part when paying my Barclaycard bill, I have left a balance of 3p on the card. At the time I didn't believe that this would be a problem as it would just be paid off next month via my direct debit. Since I was in the process of moving, I missed a month's statement, which has now been forwarded…
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Is this a balance transfer??
Bit Niave here folks got around £1600 left on a loan, quite high interest so was looking at paying it off with a credit card, how would this work would i get the o% no interest for a year which is what the card is offering or is this not a balance transfer, if not any advice?? cheers in advance...
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old debt/credit card
Hi Martain I hope you can help me i've been paying off a old debt for about6/7yrs its a halifax credit card.i pay reg every mth of 25.oo but i get charge interest, if i didnt pay the interest it would of been paid off by now.I did ask if they could stop the interest but they wont.I dont have the card anymore and i really…
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Bloomers Confused @ Overdrafts
Sorry for being thick but can anyone tell me -- can I use a credit card to pay off a bank overdraft which is £2, 750 and costing @ £40 a month interest. Can I ring my Natwest Bank and say I want to use a *** 0 per cent credit card to pay this off. Is that allowed? I would rather use the £40 to go to paying the amount off -…
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Paying off my CC? Changing cards
Hello, my first post here, so please go easy on me. I have an MBNA card with around £3, 500 on. I used this card mainly when I was on Maternity leave with our 1 year old son and have never got round to paying it off. Things escalated and here I am, £3, 500 in debt on a card that I can't use (up to limit).:o I am paying off…
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Barclaycard - Balance Transfer con?
Hi Can someone answer my question please? I took a 0% balance transfer out more than a year ago with my barclaycard, which expires in May. Several months later I was offered another great deal, this time at 0.9% until Jan 09, which I took as well. I have now found out that my repayments since then have been to pay off the…
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Help with my family debt
Hi everyone, long time reader of the site & forums... but first post. Me and my fiance work hard and don't reep much from what we earn, we have an 18 month old daughter so my partner only works 2 days I week. I work 5 days a week and together we earn enough to pay the mortgage, bills and shopping. But it leaves nothing…
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MBNA from 1.454% to 2.075
I got a letter the other day that they are bumping up the rate from 1.454%per month to 2.075%. I have always had good credit and never default on payments. In November I transfered balance to them on their 0% deal. That expires in May, so typical of these greedy B******s to do this! Is it worth me calling their rates…
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Post Office Credit Card Abroad
Can anyone tell me if they have used a Post office Credit Card abroad? How good is it for paying with it (not getting money from ATM)? Is the exchange rate a good one? I have heard that the Nationwide one is good aswell but I do not want to open an account with them. Please help. Thank you
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Can I have 2 Cap One cards
Hi I have a cash back capital one credit card that i use regularly and pay off every month, im intrested in getting a 0% balance transfer card to transfer a loan to and capital one has one that looks good. Is is possible I can have both these cards?
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At 18?
A freind is turning 18 this Sunday. his very good with his money and has a full time job. He wants to get a credit card so he can buy a few things for himself and pay it off at 50 pounds a month. Spending no more than 200 pounds on the card. I am wondering how long should he wait before applying? I suggested getting the BC…
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New card for Internet only purchases
Hi all, long time lurker here :o So, I'm after a new credit card for Internet purchases after falling out with Egg. I'll be paying off the balance in full each month and putting no more than £300-£500pcm on the card. I'm looking for a card with decent Internet fraud protection, ability to check balance/statement online…
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Consolidation advice
Hi, I'm currently in about £16k's worth of debt and wanted a loan to consolidate to reduce my monthly payments but the highest I've been offered is £10k. Now I have most of that on credit cards so obviously that would save me the interest I'm paying but what I wanted to know is: Can I offer the credit card companies a part…
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Problem with Captial One Website?
Or is it just me ...? Just tried to apply for a free interest/ free balance credit card. I know, one of the qualifying criterias is that you have to be with your current bank for at least 5 years - I am only with my bank for 4 years, 9 months. However, completed the application (yesterday from home and today from work) and…
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paying interest on BT fee........??
if doing a 0% BT and paying a BT fee will interest be charged on that fee? if so presumeably you'll be paying interest on the fee for the life of the 0% BT because they always apply your payments to the debt with the lowest interest rate (in this case 0%). if my thinking is right your minimum payment will be taken off the…
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Barclaycard - Due date
I have just noticed (online) that the due dates on my Barclaycard have been brought forward i.e. March 12th April 10th April 30th I could easily have been caught out by this, anyone know what is going on?
