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A positive balance on my Tesco CC
I paid some of my money off on my Testo credit card, just as my monthly direct debit also paid off some of my credit card on the same day. As a result, my balance has now go into credit so to speak and is showing as a minus - balance. Is this a problem?. I have never gone into credit on a credit card before and didnt know…
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Check Credit Score
Hi, What is the cheapest way to check my credit SCORE? I want to see if it has improved over the last 6 months or so since I took out a new mortgage & credit card & all payments on time. I have used free trials on experian, equifax and checkmyfile in the past and their websites detects this so I am guessing I will have to…
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Avios Bonus Question
Hi, Got a couple of questions related to the Avios credit cards available. 1) On the Avios website, there is a section that describes the process of getting an 18'000 bonus Avios voucher using the Lloyds TSB Duo Avios card. My question is - do I simply need to spend £500 each month for the first 3 months on this card, or…
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Can I retire before 65?
Hi all! Quick question if anybody is able to help. Am I able to retire 3 days before turning 65? I know I will be unable to receive my state pension until I am 65 but wondered if it would affect my benefits actually retiring 3 days before turning 65. Any help for a newbie would be appreciated. Many Thanks
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Can I use one credit card as a stepping stone to another?
Hi All, hope someone can help me. I want to transfer a balance from one MBNA card to another which is obviously not possible. But can I transfer the balance from the MBNA card to santander and then onto the other MBNA card? Will MBNA be able to check up on this and block it? Thanks
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Credit Card debt
Well I've got myself into a bit of trouble with my Credit Cards [I have two], I'm currently out of work due to my health so I've been have trouble managing my finances. I'm behind with payments by 3-4 months and I really can't afford to pay them. I've been told that my Credit Cards are going to go to default over the next…
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Credit card with £6k limit?
I am planning on purchasing a conservatory and need a Credit card with a limit of about £6500 is this possible? I was going to cash in an Isa that has run 2 of the 3 years but the interest rate is 4.4% and I would incur a penalty of about £200. A 12 month 0% credit card would be the answer but I thought the credit limit…
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Can I balance transfer by taking new card within same bank?
Hi, I did browsed a bit, but couldn't find answer to my query. I normally read that, if we can't pay the debt, then 0% balance transfer is good way to buy time for repaying that debt. I am with Natwest since 5 years, however this month I feel, I might not be able to complete by debt on credit card, so rather than paying…
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Can I get my money back
I booked seats with Easy Jet using my credit card last October, my wife has recently been admitted to hospital and we will not be able to use them. I'd not purchased any travel insurance can I get my money back from the credit card company ?
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Frederickson Intl (Debt Collection) Fraudulent Credit Card Payment
Just checked my cc statement online and a £2k+ payment to the above went through yesterday. I owe no money apart from intra-month credit card (clear to zero every month). How could they put this through ? Presumable card not present transactions must have customer name / address etc otherwise they fail and surely even a…
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Credit card question about paying off statement and credits ?
Hello, I know some credit cards might have different policys etc but what would happen normally in the following scenario. You received your credit card statement in the post and it has a bill of £100 . To be paid by 15/06/2012. The minimum payment is £5. Then on the 04/06/2012 you receive a £300 credit (from a store for…
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Is Creation (Sygma Bank) really as bad as this?
My experience of Creation below - is this typical? · I've an excellent credit rating, a long history of timely settlement of my credit cardaccount in full each month over many years with my previous credit cardprovider. The balance is usually around 2k each month. · My credit card account was transferred toCreation from my…
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Credit Checks
Hello all, not sure if this is the right place to post this. But i need some advice and dont really know where the best place to post would be. But my situation is, somebody has run a credit check on me without my permission or even knowing. (I found out by accident) Is this legal? It now appears on my credit report and…
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Nationwide Select Credit Card
Hi All, Please excuse the ignorance but I needed help with a certain question. I am travelling to the USA in September for the first time on my own and need to hire a vehicle. I know you require a credit card to hire a vehicle and just looking into these as I've never had one before out of pure choice. I am a Nationwide…
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When to Pay Off Outstanding CC Balance Before Promo Period Ends
Hi Guys, My NW CC 0% on purchases ends on 30 June but the statement cut off for that month will be 27 June. My DD (minimum amount) goes out on 22 of each month (and I normally make extra payments on top of this), so if I make an additional payment to reach my NW CC account before or by 30 June, will I still incur any…
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Capital 1 Cashback card
Hi, I'm an existing Cap 1 card holder, one of the basic cards. I'm wanting to apply for either thier Aspire or Elite cashbach cards. I spend around £700pm on credit cards. My query is, will Capital 1 accept me as a for a cashback card when they know they are unlikely to get and interst from me. I have been a customer on a…
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Additional Credit Card
Just a quick query that somebody might have an answer to.. I wanted to know if it is possible to add another cardholder to my Credit card account but ask the credit card company to only allow them to use a certain amount of my available balance? I am guessing it is not possible but can't find anything that answers my query…
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Credit cards with Super Balance Transfers for flat deposit (renting)?
Hi everyone, In a few months my boyfriend and I will be (hopefully!) moving from our current flat (shared with a friend) into our own place. Obviously we need to come up with six weeks rent as a deposit, plus a month's rent in advance for any new property we find.. but at the moment don't have this to hand! This is likely…
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sending euros to a british bank account
I have to pay the balance of a holiday to a british bank that only accepts Euros-I have spoken to several banks that say I can only send Euros to other countries not to a uk bank. The travel company insist that no other clients have had a problem doing this-can anyone help? ! Yes-is a British bank account that only accepts…
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Do i pay large chunk of 0% bal transfer card off with a rebate payment?
Hi there, I have a Halifax 0% bal transfer card, which expires in about 12 months. When traveling in the USA i incured $2000 USD of medical bills that i paid on credit card, then bal transfered to the 0% card (so not to get charged purchase apr). This amount is sitting in the balance on my Halifax 0%. The insurance company…
