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Can I get a free loan this way?
I'm a stranger to creative credit card use :o If I use my present credit card (on which I owe nothing just now) to pay the balance of a car purchase (about £2000 on top of my PX) can I just transfer that £2000 debt to an interest free card and get a free loan if I pay off the debt in the time allowed? Sorry if this is a…
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Can barclaycard do this?? Really confused over statement
My barclaycard has a direct debit set up to pay off the amount in full every month. Anyway this month i bought goods worth £300 on my barclaycard which i returned to the shop and the shop credited back my barclaycard. The statement showed that £300 would be taken by direct debit on the next payment date as when i got the…
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Late payment fee despite paying
I have recently got my first credit card (with RBS). When I applied I set up a direct debit for the minimum payment and received confirmation that this was set up at the start of February. My first payment was due yesterday and as I was in a position to pay off the full amount I logged into my account to do so. I noticed…
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Buying a car with a credit card
I'm thinking of buying a new (well new to me) car. I have enough in savings to pay for it (approx £8,000) but someone suggested buying it with a M & S credit card to get the points. I realise that using the card outside of Marks will only give me half the points but I think this might be a good idea. Any comments?
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Credit check to decrease limit?
Apologies,bit of a novice type CC question really but is it standard procedure be credit checked again if I have requested a credit limit decrease through my current provider (Barclaycard Platinum) I put he request through online and it asked me for employment status and salary details before I could submit my request…
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Paypal gift on credit card - any charges
Paypal gift on credit card - any charges
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Virgin Credit Card - Disgraceful act - HELP!
Hi guys - I'm a newbie poster and I'm currently really angry!! I have a virgin credit card and my minimum payment of £67 was due by the direct debit set up on my account on 10th March 2012. Now - on the 5th March, I paid over £3300 on to the card and cancelled the direct debit with the bank. I have received my statement…
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Whoopsie - how can I straighten this out?
Hi All, I have made a bit of a balls up this evening and not sure if I can straighten it out. I owe £6500 on two credit cards, ALL of it is on 0% interest. It's all finishing this year and some very soon. My Virgin card has 3 different amounts as they kept offering long 0% deals so I transferred and closed smaller accounts…
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Design your own credit card?
Guys, Strange question perhaps, but does any UK card provider let you design the card by means of uploading a photo etc?
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Just charged for something on my card that I bought a year ago!
Hi all, I'm a newbie so please be gentle! I was looking through my debit card statement and noticed I had been charged £42.50 by a leisure company in the town I used to live in, and where my parents still live. The only thing I could think it was was a pair of concert tickets I bought about a year ago. I called them and…
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Help with credit card statement
Hi there, I have a credit card which is payed off each month by direct debit so I don't pay any interest. However this month I have made some big purchases and sent money to the card before the payment date (and also payed up on the direct debit date) and I was surprised to login to my account and find a (although very…
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Should I take the 0.0% Balance Transfer deal?
Hi, This is my first post and i was looking for advice from anyone on my current situation. I have 3 credit cards. I'm trying to get myself back in the black and i am religiously not using or putting any more debt on them. Barclaycard with £4405 on it Natwest Mastercard with £3834 on it and a Virgin Money Card with £6500…
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Declined a credit card at Lloyds TSB
I've been told that my internal score is a 1B whatever that means, but because of data at the CRA I've been declined. My files at the moment are all clear, my Experian Credit Score is now 965, I know that don't mean a lot but took their trial so got the score too. I've cleaned up some bad data on the CRA this month and…
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thomas cook travel card
im going to cuba shortly. does anyone know much about thus prepaid travel card and if its accepted over there x
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Continuous payment authority on credit card
Hi I had a continuous payment agreement on my virgin credit card that was taken monthly a couple of years ago. I then cancelled the agreement with the company and another payment has not been take since. But I have been spooked recently with reading articles about people saying up to six years later they got a bill or a…
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Balance Transfer and Money Transfer explanation?
I've got an Amazon Mastercard that I haven't used in a long time. I've had a letter offering me 0% on new balance transfers for 12 months and 0% on new money transfers for 12 months. I know what it means by balance transfer, but what is it referring to when it says new money transfer? Sorry for being clueless but I just…
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Is it best to spread purchases around on more credit cards?
At the moment I have a Sainsburys mastercard for food bills and occasional petrol purchases from sainsburys if I happen to be passing and I need some. For all other purchases i.e. petrol clothing and other misc etc I have a nationwide card. I make regular small purchases from amazon (games, kindle books, dvds) so I was…
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Best card?
Hi I'm looking to get a new 0% credit card for the following 2 reasons: 1) to do a balance transfer of about £700 2) to get a cash advance to pay off an overdraft of about £1500 Is there one card I could use for both? Many thanks
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Balance transfer for student credit card
I'm nearing the end of my final year at uni but i've managed to max out my £1500 overdraft and lloyds student credit card of £1500 (£62 available credit) mainly down to me being frivolous and not getting a job during term time so i havent asked my parents for any help. I've been paying back little more than the minimum…
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Credit Card for improving credit score
Hi, My credit score is currently 'good' according to Experian. I am not on the Electoral Roll at the moment but have registered to be so. I have one CCJ which is 4 years old which has been satisfied. I want to apply for a high APR credit card to improve my rating so I applied for the AQUA credit card and they refused me!!!…
