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Best spending card
just cleared all my debt, as my mortgage application required it, all CC's cleared, student loan done and the house purchase is going through as its my first home and needing some spending i was wondering what card is best to get for spending (buying sofas, furniture etc) have spent the last 15 months using a tesco…
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What Credit Card is best for me?
Hi I'm looking for information on what credit card is best for me. I'm 19, earn 26k pa and live at home. I'm looking to put all my fuel spend on the credit card and any big purchases. I will be paying the balance of in full every month. Also looking for one with rewards etc. my credit score is in the good section on w…
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Santander - failure to collect direct debit
Hi - I don't know if this has been raised before (I couldn't find anything) but maybe someone can shed some light? I have a Santander credit card and pay off the minimum payment every month by direct debit. When I have extra funds available, I make a cash payment into the account. However, for the second time running, if I…
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Wedding Spending - which card?!
Hello! I have never had a credit card, and have never wanted one. However, I am getting married in September 2012 and would like to do all my wedding spending on a credit card as it seems sensible and will be good for my credit rating in the future. The actual spend on the card will only amount to around £5000 which we…
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Balance Transfer / New Purchases Payment
Hi, We did a balance transfer in January for around £1500 and moved it to Virgin Money. They were offering 0% on all balance transfers until Apr 13 and 0% on purchases until June 12. Between January and June we have made a few purchases on the card totalling around £1000. We have also been making payments (thinking that…
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Simple and compound interest
Hi, I've got a Capital One progress card. I only got it because my credit rating was so poor (unpaid debts at 18 and a default) that I was unable to get contract phones. The credit builder card allowed me to move onto this one, and it seems to work so far! However, on my statements it says: This month's interest is based…
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credit builder card
hiya just wondering what credit builder cards are out there, and is it better to have more than 1?
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Barclaycard Initial APR
Hi, I just called to close my Barclaycard Initial account. I've been transfered to redemption team and offered 6 months 0% for purchases or APR reduction. I take the second option and my rate dropped down to 21.9%. Lady on the phone said she can only drop interest by 8%, but I can call in some 3-4 months for any further…
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Cancel or keep cards for better chance of successful application
Hi, I'm about to apply for a new 0% credit card and need some advise. I have 3 credit cards at the minute and I pay off the entire balance in full every month on each one . I have a Barclaycard, an Amex and a Natwest 0% for 15month card. The Natwest card has now come to the end of it's promotional 0% period and I have paid…
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How good/bad are American Express at decling abroad
I am going over to the US and previously I've found Barclaycard awful and constantly declining card transactions even when I've recalled them and got it unblocked. I will obviously have several cards with me and cash but was wondering if anyone had any experience with using their Amex in the US (I've already told them I'm…
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Which credit card for US travel and no charge
Which credit card are people using the most at the moment when travelling overseas I will be over in the US for a month and do not want to be hit with the conversion charges, Halifax seems the best one but would like to hear if people have had a bad time with it or not
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EGG card replaced with Barclaycard
Hi all, bit of a strange question, but when you log onto barclaycard online for your previous egg card, what colour of card shows on the page? Mine now shows as a green card now but I'm sure it previously showed a white card, what my actual replaced egg card actually looks like?
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How long before you can return?
Hi Guys, I know this question is probably asked alot but i couldn't find the answer using the search. If you leave a credit card how long do you normally have to wait before you can re apply and take advantage of the promotions like 0% on balance transfers? I had a RBS card when i was at uni and never used it so closed it…
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Capital One Classic Card
I've been in the process of trying to rebuild my credit over the last few years after defaulting on 3 debts in 2009 due to getting too deep in - my own fault, but I've learned a lot from it. Anyways, I've applied for a Capital One card every 12 months and been declined the last twice, but this time around they've accepted…
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s75 claim
I have recently paid for supply and fitting of a shed and a concrete base onto which the shed was to be laid. The cost of the shed was paid by credit card (the shed is yet to be delivered and fitted) and the concrete base was paid in cash upon completion. However, two days after the base was laid, it transpired that the…
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Barclaycard Help
Afternoon all I have been accepted for a Barclaycard, received my pin number but never received my card. I have waited 2 weeks for each card I have requested (I've requested/been issued four now). I'm getting fed up now, as I have not been able to speak to someone in the UK about this. Just a note: I have an online log in…
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Credit limit
Hi, I have a zero per cent closing soon with Barclaycard, can I close it and clear it off monthly at the standard variable rate for the card or will there be a penalty. Thank you.
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Tesco Credit Card overcharge warning
A quick warning to anyone who has a Tesco credit card. I checked my online statement this morning and it said i had £16 in purchse interest charges. I clear this card in full every month. When i rang them they said they couldn't see why i'd been charged it and they'd had some system changes which may have caused this to be…
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Declined for RBS Credit Card
Well that was a shock! Just been declined for an RBS credit card. I have been in full time employment for over 20 years. Never been in debt, never been overdrawn, not in arrears with my mortgage. Don't have any other RBS products. Last time I applied for a credit card I was accepted straight away and given a limit of £14k.…
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Avios points with LloydsTSB duo
Somewhere I have seen that you get extra Avios points if you spend £500 every month for the first 3 months of having a LloydsTSB duo avios card. Do you get a bonus every month for 3 months, provided you spend at least £500, and if so, do you have so spend at least £500 EVERY month, or you miss out on the following…
