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Question regarding balance transfering to the 'Barclaycard Platinum Credit Card'
Hello I have just been accepted for a new Barclaycard Platinum Credit Card - 6.3% on balance transfers for 3 years. I have another credit card with HSBC with around £1000 on it that I plan on transferring to the Barclaycard. My question is this; Am I able to transfer the balance of my HSBC card more than once to the…
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What's the next best credit card deal?
Hi, I'm looking for the best credit card with rewards for when i renew my (£3000) rail season ticket. Last year i applied for an American express cashback credit card, took advantage of the initial 5% cashback and received a very nice rebate. However, the cashback has now dropped down to 1% and although i've asked them…
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credit card v loan?
I'm having to buy a used car at the moment and I need to get the finance pdq for £6000. Having read through pages on this website I thought, to minimise the interest I'd have to pay, I thought I'd get a loan with a 48 month term and then pay off the balance by doing a balance transfer on to a good 0% balance transfer card,…
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Internet subscriptions from parent companies help!!
Hi all I ordered a tooth whitening system on the internet for $15 in August (too good to be true) this was apparantly a two week trial which locked me into a subscription, when my bill came through I noticed £55 of charges from 2 different american companies. I phoned Virgin who were very friendly and put me on conference…
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Card Cancelling Thought
Don't know if covered elsewhere. It is considered good practise to cancel cards that you do not use or need so that they are not included in credit rating calculations. If you cancel the card I assume the card company will then not be liable for any problems found later with goods bought on that card.
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Advice Please
Hi, Need some advice... I'm currently debt free and want to improve my credit history not that I believe there is anything wrong with it (for when I want to apply for a mortgage etc). I like the sound of not using my visa debit card to pay for everything and instead get a cash back card, will this help with my credit…
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Am I due any Interest back?
I work for a well known high street shop and was pursuaded to apply for one of our credit cards. All was fine and I used it xmastime and if i order anything online. I do have a balance on it but pay a lot more than the min payment which works for me and i hope to have it clear soon. Speaking to one of our ladies in work…
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Overseas transaction charges
Hi Does anyone know of a card that doesn't charge for overseas transactions? I have Abbey Debit card and have noticed they have now started charging me for buying things online from abroad. I would like a credit card that doesn't charge this fee that maybe gives freebies too. Does anyone know if the Sony card charges a…
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Invalid CCA provided by M&S Money yet Collect Direct still threatening
Hi I have a M&S Money credit card which I have now defaulted on and it has been sent to Collect Direct UK for recovery. I sent off the CCA request letter to Collect Direct and recieved back from M&S Money a copy of my application form along with a 'credit agreement' The credit agreement was unsigned by me, had no name,…
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E Platinum Credit Card
This offer seems somewhat inviting but, what are the hidden faults ? This card offers 5000 pound credit, surely there is a catch or two somewhere !
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BT Credit Card
I enquired about a BT credit card. It has some good conditions but I was not in any hurry to fill in an application form. After a week or so they wrote to me to say "If you send in your application today we will send your ARGOS vouchers for £15 soon after you start using your card". I sent it off that day. I have since…
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Named on Second credit card, will it affect credit score?
A friend was named on a second credit card, but isnt the original account holder. If the account is in serious debt, will it affect the friends credit rating?
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Can Barclays take my cash?
I have 3 accounts with Barclays Bank, one premier current account which has a 4k overdraft limit - I am usually in my overdraft every month but rarely go over it. I have a basic current account with no overdraft and an ISA. I also have a Barclaycard which is on a 0% BT offer and i pay it regularly every month - never…
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5% + uncrease in credit card interest rate!
hey all i got one of those outrageoussly high interest rate credit cards from capital one to help me "build" my credit rating. 34.9%! got a letter this morning crying on my shoulder saying due to the economic downturn my interest rate would go up in december to 40%!! Now i've had this card 2+ years, only have about £350 on…
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I have no idea what is best keep to visa or swap to loan?!
Trying to help my mum - I have no idea myself Yorkshire Bank Visa Current balance £1,695.06 Each month she pays £70 but around £35 of that goes on Interest - does this seem about right for that amount of money? All i can find out is that : Interest on (cash) per month = 2.075% on (purchases) = 1.667% To me, I think it's…
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A Question for my Mum
Does anyone know if a Card company would start charging interest on a 0% transfer card if it was used to pay for something then that amount was paid back in full 3 days later. Just need to have it clarified thanks Nige
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MBNA payment dates
Mbna are giving me "impossible" payment due dates on a regular basis. I've phoned them to complain, but they say all banks/providers are the same and they can't change the date. Its just happened again last month - the payment due date was 27th Sept. It was only when the date approached that I clicked the 27th was a…
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Capital One Progress
Hey im fancying the new capital one progress card, iv had it since feburary, i dont have a great credit history, but have no defaults of ccjs, is it possible for me to get one? Can i apply for one or do i have to cancell my first card and then reapply? thanks guys j
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Halifax Credit Card Debt
Hi, I am hoping someone has some advice. I had a credit card debt with Halifax, which was around 4.5k and had some problems a few years ago, the debt was passed to an agency etc. I agreed a payment plan with them, and paid every month. Around 6 weeks ago, i had a call from them asking if i wanted to pay the balance off,…
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Virgin 1.99% 9months b/t
just to let everybody know been phoning virgin for last 4 months asking for any offers on b/t phoned today and was offered 1.99% 9months best of luck
