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New to credit cards - any downsides/any chance of getting one
Hi all. I have never had a credit card before, so I have no experience of how they work. As I understand it, you get the card, you have a preset spending limit, and if you pay it off in-full each month you pay no interest? I have absolutely no intention of CC borrowing (or any borrowing, for that matter) but as I'm a tight…
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One Account
I have a One Account Visa card and want to know if I withdraw money on it, would I then be able to transfer that balance to a different card. Not sure how it works?
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Order Of Repayment - Multiple Cards
Hello, I've been trying to use excel to work out the optimum order of repayment of three credit cards, each with different promotional offers, balances & interest rates. To simplify a little say that the repayment amount across all cards is the same each month a maximum of £200. However each card has a minimum repayment of…
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credit cards you no longer use
How do you actually cancel them and will it help your credit score if you cancel them?
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Halifax offer me 0% balance transfer, but other card is Vanquis!
I have a Halifax Clarity card and got a letter to say they are offering me a 0% balance transfer for 12 months:j I still owe Vanquis and this would be brilliant to close down the Vanquis account. But, do Vanquis let you do an automatic balance transfer?
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Overdraft or Credit Card?
Hello to you all, Apologies if this has been posted elsewhere but I have searched and was unable to find anything relating to it. My question is this: I am in the process of paying all my debts off and I currently have an overdraft of £2,000 with Nationwide Building Society but it is almost at it's limit (currently £1,900…
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Very Catalogue?
Hello, I was wondering if someone could clarify... Very catalogue....which CRA do they do a search on? The other thread says EQ, but has anyone with EX done a credit search and it's come up on there? Thanks
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Amex
Hey guys, i read a bit about american express cards and I've always dreamt on having one! my question is, what do you need to get one and be approved? I know in UK they don't do like green amex (which are the easiest to get) I'm building my credit towards that so in the future I'll be able to get one! on the requirements I…
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Will my credit cards be closed if not used?
Hi... I currently have a Flybe & Cap1 CC but hardly ever use them. They were only opened to help me build up a new credit history. Can they be closed down as I hardly ever use them?... ...And if so, how often should I use them just to ensure they remain open?
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Help, Does barclaycard need to give notice they are reducing your credit limit?
Help, Does barclaycard need to give notice they are reducing your credit limit? If so how much notice. They just reduced my wifes from £2000 to £400 (the same as her balance) without telling her and have sent the letter out telling her about it after they did it.
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Converting $ to sterling?
Hi, I have a tesco mastercard and sometimes buy things in us dollars. Is there a way I can get the exact exchange rate for a particular day? I know there is a site with a currency converter xe.com but wonder does anyone know a more exact way? thanks a lot martin57
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Credit Card interest - request to freeze?
I found myself suddenly out of work back in March. I've had health issues and so had to finish work. I owed £4000 on my credit card that I was intending to pay-off in full prior to leaving work. I decided that I needed to keep the £4000 and therefore couldn't pay-off my credit card in full. So, I took the initiative and…
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any good cards exist for people that dont work ?
as title sugest does anyone know of any good cards for either balance transfer rates or just normal rates under 15% would be good. this is for someone that dont work as they are registerd disabled. they have a card at moment but percentage is nearer 30%. they can easily make there minimum plus more payments but cause of…
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Default Notice
Morning all Very grateful for advice here. Have just opened a letter from Santander (with whom I have a store card). The envelope contained my monthly statement and a £12 charge for a late payment of 2 days. OK, I'll live with that. However, also in the envelope was a 'notice of default'. 'In accordance with the credit…
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Best Business Credit Card?
Does anyone know of a business credit card that give you: 1) Benefits that are better than Nectar points (have seen the nectar card and AMex so far) AND 2) 0% foreign exchange transactions with no annual fee for the card? Thanks.
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Sygma - Online login issues?
Hi all, Anyone else got trouble logging in this morning?
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Help please ????
Hi to all. I have an ongoing problem with first Vodafone, and then a Debt Recovery Agency whom Vodafone sold the debt to. This has now been ongoing and in dispute for over 4 years.I initially took out a 18 month contract with Vodafone. For well over that period the contract was always paid on time. During that time, I…
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Can i pay the mortgage with a credit card?
I'm considering getting the BMI Amex credit card. The initial free flight would be great but we also fly regularly to family in Denmark, so the BMI points would be great. I could put all our usual household expenditure on it, bills, supermarket shopping etc, however our biggest single monthly expense is our Mortgage. Will…
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Credit rating help!!
Hi. Can anyone help? I was wondering and pondering the following... Everyone knows that one way of improving your credit rating is to use a credit card an pay it off every month. I've been doing this, but paying off card as soon as what I've bought registers. The result is that there is a zero balance every month. Great…
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Credit card debt liability following a death
Hi, I am new to this and hope my question is not inappropriate. Following a cancer diagnosis, I am keen to know if my husband will be liable to pay off my credit card debts if I am unable to clear the cards in time. Total debt over 2 cards is £6000 I have no savings, but our house is in joint names and the mortgage is…
