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Additional Borrowing on Existing Mortgage to Pay off Credit Cards and Loans?
Looking into ways of ridding outselves of credit card and loan debt (and the high interest rates) and am looking into possible additional borrowing on our existing mortgage to do this. Facts are:- Mortgage is currently just over £30,000. House is worth approx £180,000. Have 5.5 years left until Mortgage is paid off. Debts…
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MBNA Lifetime Interest Rate Question
Hi All, A few years ago I had a zero balance on my MBNA (who'd I'd already been with for years by this point) and asked them if they could do a deal to keep me. They offered me 7.9% for the life of the card on all transaction types (includes cash withdrawls amazingly - but I've never wanted/needed to test this) and I…
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Idiot here, missed 2nd payment on halifax credit card! Lost Interest free period
Hello, Hellokitty08 has been a bit of numpty and missed the 2nd payment on my new Halifax credit card. I 100% believed I had set up a direct debit, but turns out I hadnt. I phoned up and made the next payment immediatly and requested a direct debit to be sent up in excess of the minimum balance every month. If I phone…
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Paying off 0% Interest on Purchases Credit Card - Any Interest Chargeable?
Hello all, looking for some assistance with a question. I have an M&S 0% on purchases credit card. The interest free period comes to an end on 1st July. Is there anything to watch out for regarding repayment of the balance? I am under the impression that I will incur no interest as long as the balance is settled on or…
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Vanquis card 'new split' charges
apologies if this has been covered elsewhere. have a fairly new acquired vanquis card (ex bankrupt so not much choice ) My statement this month details-deferred finance charges (as well as the normal interest . ) This is apparently a new way of showing how one is using the card (interesting description !!). Rung vanquis…
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When is best to pay off Credit Card balance?
Hi guys I could not find this question anywhere. So apologies if it has already been answered. I was just wondering when the best time to pay off a credit card is each month? So you dont get charged the interest on it. Its just a bit awkward when we get our statement through, its 3/4 way through the month, and I get paid…
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Virgin Money
Hello everyone! I applied for a VM credit card on the 24th April 2012 and was declined. I checked my credit report and found that there was some erronous missed payments that have now been removed by the company and credit reference agencies. My credit score is now 100+ points higher, and I have paid off / balance transfer…
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Virgin credit card fraud team
Applied for a virgin credit card and was successfully approved. But I received a letter over ther weekend from the MBNA fraud team stating that they are trying to get in contact with me (missed their call), what could this be about?
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Long term charges on a credit card I thought was cancelled?
Hi guys, If any of you are able to help, I would really appreciate some advice about a weird situation that has come up, before I call the credit card company about it - since I don't know anything about this stuff or what my rights are, and I'm really confused! I recently set up online banking for the first time and when…
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if you do a balance transfer at 0 % then make a purchase do you still get the 0%
if you do a balance transfer at 0% for 17mths and the you use the card to pay for something would you still be able to pay the balance transfer off at 0%.
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New B/T Card
I'm looking to get a new Balance Transfer card - probably the Barclaycard 22 month 0% with cashback. My question is this: I have 4 credit cards. 3 of those are "closed" in the sense that they each tried to rate hike me, and I said that I would not accept the new terms and would pay off at the existing rate. Of those 3, one…
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Contactless Kid's Debit Card?
My 12 yr old son really wants a contactless debit card. Is there any bank/building society that'll do them for kids? Thanks, Arthur.
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Vanquis to virgin and aqua to halifax
Vanquis to virgin and aqua to halifax just wondering if can balance tranfer my vanquis onto hubbys virgin card. Also wether can tranfer my aqua onto his halifax now aqua is new provider. Thanks
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0% balance transfers
i have two credit cards with high interest, due to being in allot of debt and starting an IVA 6 years ago so had not to many options at the time The IVA and the defaults have recently come of my credit report and the IVA has as well and my score has gone to over 800 so want to take out a balance transfer card, the only…
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prepaid card for a 12 yr old
Where can my twelve year old son get a prepaid card? :huh: Thanks, Arthur.
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Credit Card charged twice in error
I recently made a purchase via the internet and used my MBNA card for it. The seller charged me twice in error and have refunded me the money. However the purchase was in Euros and the variation in the exchange rate between the time they made the mistake and the time they gave me it back means I am an extra £30 out of…
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340 pounds skimmed from my LloydsTSB Avios credit card, do I have any recourse?
Hi All, I was awoken this morning by LloydsTSB's fraud prevention team to be told that roughly two £172 charges had been made on my credit card to a firm called RBK Money, apparently a Russian equivalent of PayPal. I was in the pub last night watching the Chelsea game and had put my card behind the bar to run a tab as is…
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Low Income High Limit Card
Well like the title says im looking for a credit card for low income that has a high credit limit at the moment i have a capital one card with a £750 limit earn £4000 anual not including overtime as only work part-time. The capital one card i currently have, i have had for about 1 year now and only had my limit increased…
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Play.com MBNA Credit Card
Hi Just to make sure that i am thinking correctly, i'm looking for some advise. I had a statement from Play.com in April for £657.77 the payment date was 7th May. I made payment of £849.13 by 4th May so couple of days before payment date and I still get charged £3 interest. Is this correct? From the terms of the account I…
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Is there a way to get funds off a prepaid debit card?
I was given £75 "cashback" upon the purchase of a new dishwasher. This came in the form of a prepaid Visa debit card. I like to put all my purchases on a credit card due to the additional protection, cash back and it helps to keep a record of my spending in one place. I've therefore been trying to find a way to get the…
