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Using a balance transfer card to clear a loan from bank
Is it possible to use a balance transfer or 0% on purchases card to pay off a loan i have just got out through my bank? my thinking behind this i is can then cancel the loan within the 30 days at no charge to myself, and i wont be tied into it for 3 years. with a long term interest free credit card i can pay it back any…
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Visa Granite Credit Card
Hi I have seen an ad for a Visa Granite Credit Card and was wondering if anyone has any information regarding this card. Is it a good card for someone who has a poor credit rating and needs good control to manage their money? Also is it necessary to live in England or can someone living in Spain apply? Any other…
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which CC to get for overseas spending, New York especially
Hi all, I was wanting some advice on credit cards. Ive never had 1 before, so all the terminology totally loses me! I only want to get 1 as Im going on Honeymoon to New York in Oct, & as its a special holiday I wanted to be able to treat us to everything we want. I want 1 that is good for spending overseas. If it maters, I…
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Overpay Balance of Credit card
Does anyone know what happens if you over pay the balance of your credit card. i.e if your balance is £1000 and you pay £2000? Do they send you back a cheque or do you have to use the credit card to buy things and therefore use the money? Thanks Nicola
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New job - when to apply for a credit card?
Hello, First post on the forum! Plenty of useful info on the site so far so thought I'd join. I did a quick search for a few keywords that related to my post but couldn't find any information. I have recently started a new job, after finishing university. When is the best time to apply for a credit card? i.e. if I apply…
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offfer
I have just been given the following offer from virgin: 1.9% until 9 July 2012 on all balance transfers completed before 11 July 2011 I know there are plenty of cards with 0% but ive taken out a store card and a different credit card already this month, so don't really want to make any more applications. Also,virgin give…
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Store Card Details
Can anyone help with contact numbers for - Argos Ikea Dorothy Perkins I need the number to make a payment. I can't find any of them, and don't have any recent statements. Thanks in advance.
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Which card to pay first?
Right then, i'm a bit of a pickle. I'm now down to 3 cards; Natwest; £850 MBNA; £3200 Barclaycard; £7850 I am due a lump sum soon of about £5k. To which I'm being sensible for once and putting on the cards, but which is best to sort? should I kill off the Natwest and mbna, put whats left on the barclaycard? or is it best…
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Default Notices
I was made redundant a couple of months ago and have been struggling to pay the monthly payments on my credit cards. I have four cards, each with difference amounts on, a total of around £14,000. I am in a right mess financially now, and receiving job seekers allowance. I have a mortgage and fortunately the PPI is now…
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Why pay a debt collection agency?
Hi guys, sorry for the length but it's my first post and I need some advice from you guys. I was offered a Platinum credit card from Lloyds TSB when I was 18, they mailed me some promotional thing saying I was entitled to a Platinum Card. AMAZING! Or so I thought. I read further and found that should I not fit the…
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0% purchases not honoured?
So I have a Barclaycard Gold with £2000 limit that was supposed to be '0% purchases' Well here is a summary of my spending on it: Wonga (clear a nasty payday loan) : £1078.90 Toothfairy (clear another nasty payday loan) : £544.00 eBay Payments (seller fees) : £44.00 HSBC Bank (pay off a loan installment) : £231.49 EC…
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0% Barclay Card
Hey i need some help if someone could give me some advice! I'v recently got a 0 % Barclay plantinum card, the thing is a owe my Parents £1000 for a vet bill they payed for me and i wanted to use this card to pay them back but the card wont let me do cash transfers into my current account! What i wanted to know is could a…
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Help???
Hi there, hoping someone can help me out I had an account with Barclaycard. I paid off the full outstanding balance on the 29th June and closed my account. Stupidly, forgot to cancel my DD. I only pay £15 a month but it covered the minimum payment. Now, they took a payment for £15 on the 6th July. I sent an email through…
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Credit Card Tarting - Effect on Credit Rating for 1st time mortgages
Im looking to obtain a 1st time mortgage within the next 6 months & have been tarting my Credit Cards for the last few years. My 0% term will be due in the next 5-6 weeks so, I have started to look at new cards again for 0% balance transfers. My concern is, would my credit score be effected by only having a NEW credit card…
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Refunded charge - originally USD - exchange loss
Hi. I have a USD amount that was claimed twice in error by a merchant (cruise line) on my Post Office Mastercard account. On the same day as the second charge was posted a refund has been made by them again in USD, but the difference in the conversion rate means I have lost out on the exchange rate. Debited to me at 1.5960…
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Transfering balance to a bank account?
I want to transfer a balance from a cc to a bank account to pay off our overdraft (and sack off Santander!). Looks like the MBNA platinum card is the best but can anyone confirm that the '0% of money transfers' on this page does mean we can transfer the balance from an overdraft for that fee?…
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Next Directory Reporting?
I was wondering if anyone could tell what date their Next account is updated on the CRA's? I cleared mine and yet it is still appearing that I have a balance from 6 weeks ago, thought it was updated monthly that's all.
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Does "guaranteed acceptance" mean no credit check?
Hi, I am a Halifax customer and each time I login onto my halifax current account I get some message that says they guarantee to approve my application. Does it mean they will not do a credit check if I apply? I'd like to keep my credit score as high as possible, so I would consider getting a credit card from them if no…
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Credit Card Comparison Sites
I was just having a browse around looking for a change of reward credit card when I visited another popular site. This particular site just used to rank cards in order of offers & reward values. But it seems now it want a whole host of details before it will display them. At first I thought it was just trying to sell more…
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0% balance - new transactions interest free period?
Hi, I have a 0% deal balance with Egg - all purchases now will be chargeable as normal as it was a singel transfer. In the week I needed to make a payment from the card - I was just wondering if I would be charged interest from day 1, or the date my next minimum payment is due? If I'm charged interest from the day of the…
