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Time for payment to be credited ?
I have two credit cards, one from my bank and the other a BT card. I pay each every month, albeit the minimum or sometimes a bit more. When I pay my bank credit card I can leave it up to the day before the payment date and it credited to my account immediately. On the other hand when I pay my BT card they maintain that the…
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Advice please re: what card to apply for
Hi all I am looking to take a loan of nearly £5k against my 2 credit cards. I have a capital one classic card with a limit of £2100 currently using £395. And a barclaycard initial just raised my limit to £2500 currently using £1026.91. Not too sure if it is relevant but i also have 3 catalogue two have limit of over £1000,…
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Amex 1.5% Cash Back Card
Hi, I have a few questions about this card which I can't find the answers to. Is the 0.75% cashback for EVERYTHING you spend on the card (except supermarket & petrol), from a cup of coffee to car insurance etc ? How long does the cashback promotion last for, and does it get deducted automatically from the balance you pay…
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Which card for poor credit rating and 0% balance transfer
Hi all i have just applied for the capital one progress card and initially been accepted i am looking for a credit card to do a 0% balance transfer on as i have alot of debts on different credit cards, two of the cards being vanquis at 54% apr Any suggestions for credit cards lower than 54% apr but likely to be accepted…
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Capital one transfer
My wife tried to apply for a new credit card, with the idea of transferring her credit to another bank and taking advantage of their 0% interest rate lasting 16/17 months. She is currently with Capital One, and owes about £1400, and wanted to pay the loan off before the 0% rate expired, but no-one will accept her. She has…
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Lloyds have Transferred Credit Card Services from Brighton to Edinburgh
I have just noticed on the statements the address is Edinburgh and no longer brighton, now my bank account is held by Lloyds sort code 30-65-41 (London) which was Lloyds bank and I understand will be again when the TSB bit is dropped. But I was taking to a member of staff in a branch yesterday (Was old TSB branch is…
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MBNA Credit Card
Have had an MBNA credit card for about 10 years.On my April MBNA credit card statement they have gone from a minimum payment of the interest on the balance owing plus £5 to a figure of the interest on the balance owing plus 1% of the balance owing. Ihave contacted them to complain about this large rise in my monthly…
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wiping credit card debt clean
Hi I've been contacted recently by a company called Consortium Reclaim advising me I may be able to wipe my credit card debts. I have a Barclaycard which is pre 97, though this was changed to a platinum by then a couple of years ago, no new agreement was signed though. They have advised I could transfer balances to this…
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What does A.P.R means?
Good Morning folks I am in the process of selecting a credit card. Most of them that I have looked at on the internet, seem to have an APR figure next to them. Can someone please explain what that means? Thanks in advance.
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Credit card help
hello i looking for abit of advice please Im Off to florida in May but have been told if i want to get a hire car i have to have a credit card which i dont have. I have always paid upfront for what ever i want. I have already paid for my flights and villa for the trip but i have a small issue with the hire car. all i need…
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Can merchants charge an extra % fee for using my credit card?
Apologies if this has been answered elsewhere (but I cant find it if it has!) I have a fairly hefty purchase to make and the merchant is telling me if I use my barclaycard (recently acquired 20 month interest free on balance transfers thankyou MSE!) they will charge me an additional 4% fee compared with cash or debit card.…
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Happy again with Virgin.
Check your offers. Virgin have yet again come up trumps with me. I'm nearing (10th June) the end of an 8 months 0% on purchases period and I've just had a letter to offer 2 more 0% purchases offers. Purchases made over £250 until the end of June at 0% APR until my April 2012 statement. Basically upto 12 months!!! on a…
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Best credit card
We are going to the Dominican Republic in a month, is there a good credit card to use over there. Thank you in advance Steve
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Credit card - the basics
I've never had one before but I'm thinking of getting one. I have a question which might sound really dull but here goes... 1. 0% Purchases for 3 months - What does this mean? My bank told me that if I take out a card with them and pay the balance off in full within 56 days I'll NEVER pay interest. So what does 0% for the…
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Slightly late payment
Hello, I, due to a plumbing disaster, will make a cc payment about two days late. Last year I did the same by about the same time scale (stupid, I just forgot) I will be able to make the payment required but last time I was served a default notice. Does this make a substantial impact on credit rating. The card is a Tesco…
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Getting a new credit card?
Ive never had a credit card and would like to have one to build up a credit rating and to be able to pay for big things over a period of time. I dont think i have a credit rating as ive never brought anything on credit. Im good with my money and when i borrow from friends/family i pay within a week or latest a month. Is it…
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credit cards / rating after bankruptcy
Hi All - VANQUIS WARNING!!! this is just to warn people - following Martins advice I applied for a Vanquis Visa Card to try to re-establish my credit rating after having to go through bankruptcy. Not only has this been a huge hassle but they increased the advertised interest rate from around 29% to 48/54% (purchase/cash)…
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Credit Limit
I have a loan with an outstanding amount of around £7500.00, would it be a good idea to apply for a credit card with a 0% on new purchases deal & pay off the loan over 12 months?
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Extending a 0% purchase deal?
Is this possible? Currently have £1500 with Barclaylard, maxed out the limit. it will be down to £700 next month. The 0% runs out in Oct. Would it be possible to haggle with barclarycard asking for an extension or Balance transfer to a different card ( credit file permitting)... to keep montly payements down? Any thoughts…
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Professional and Career Development Loan - HELP.
I am wanting to undertake an MSc and require a professional and career development loan in order to do so. I plan to pay off half of the loan throughout my study, as it is interest free. However, one month after I finish studying I will begin to pay interest on the loan. My hope is to transfer the remainder of the loan…
