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Can I move a balance from high interest card?
Hello all, Had previously asked this question as part of a much longer question over in the PPI forum, but think I should've asked this bit of the question in this forum! Can I move a balance from a card that currently has high interest (more than 20%) to a 0% credit card, while currently having a PPI claim being…
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Couple of basic credit questions pls!
Hi This is my first post, fairly new to MSE and also fairly new to taking my finances seriously! I have a couple of questions please, one about credit cards and one about my overdraft. Q1. I have three credit cards - one for emergencies with a small limit, an Amex with a 2300 limit and a Halifax Mastercard with a 7000…
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Any suggestions for credit cards for bankrupts?
I would like some advice please.:) It is 2 years from my bankruptcy (almost) and I have been offered 3 credit cards (in principal) One Vanquis, one capital one and I can't remember the other! (Sorry...) Well the interest rate is phenomenal of course (50%) but I guess if you pay it when the statement comes; it's OK.…
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Vanquis charges unacceptable?
I have a credit card with Vanquis which up until a couple of weeks ago had a balance of £1400. I am expecting a baby shortly and I've been saving some money up for exactly that reason. As the minimum balance payments got close to £80 a month, I decided to use the saved money to pay off the balance. I did this on the 2nd of…
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Tesco credit card balance transfer
I applied successfully for a Tesco cc 9 days ago and bal transferred £600 from Halifax Clarity cc. Activated my card few days ago, they've got my phone no and email address but said they couldn't get hold of me, so I rang them, turns out Halifax returned my balance transfer but they couldn't tell me why anyhow I looked at…
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Credit card protection
A friend of mine tells me that even if you only pay, say, a £100 deposit on a holiday by credit card and then pay the rest by cheque, (say a £1000), then nevertheless you are covered for the entire £1100 by the credit card company. Is this correct?
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'Very' dissapointed
Hi, Why on earth do companies accepted applications then change their minds after a couple of day? It's so annoying! In my case it was Very.co.uk. I got a letter asking me to open a credit account and also giving me a code for £15 off a £25 spend. Great I thought and I applied and was 'immediately' accepted giving me a…
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Misled into signing for a credit card
On making a purchase in a large multi department store I was asked if I had a store card and I said I had but hadnt used it for a while. I was asked if I would like to reactivate the card and I would receive a £20 voucher. I agreed. The sales assistant but throught the application for the "reactivation" of my store card as…
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Previous Barclaycard debt
Hi. I took out a Barclaycard 9 years ago in which they messed up twice i tried to set up a direct debit expecting me to pay the charges they put on. I refused to pay so after a while it went to a default after they sold on the debt numerous times. That default was removed from my report last year. Im now looking to take…
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What month does 0% end on 15 month promotion!!!
Hi all Probably a bit of a dumb question, but not sure. If i have a credit card with a 0% promotional period for 15 months which started on 27th June 2011 when does the balance start to incur interest. I worked it out that 15 months is 27th September this year which is the date the statement is due, does that mean as long…
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Santander - Comet interest free purchases
I purchased a fridge from Comet using there buy now pay nothing for 12 months option which is financed through Santander. At the end of the period I phoned the Indian call centre and asked to pay the balance in full, I was given a figure and gave them my debit card to make the full payment. About 4 months later a letter…
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Nearing end on 0% will new applications hurt?
Hi guys, I hope you are all well, got a bit of money and credit query please:) Right I got 2 credit cards, M&S which I have £900 on and Virgin which I have £2500, both are coming to the end of their promotional 0% next month so I am hoping to apply for new promotional cards. My credit rating is really good and I never miss…
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When i die-debt go with me ?
A fairly basic question-no dobt dealt with elsewhere-so i apologise where it duplicates-but very simply: as and when i die-assuming i have credit card debt -does the debt die with me-or will a card company pursue my immediate family for the debt ? If there is didly squat in the estate-what then happens to any ccard debt i…
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Experion £2 statutory credit report
Hi all, Maybe I'm just not seeing for looking but how do you get the £2 statutory report from Experion? There just doesn't seem to be an option that doesn't automatically enroll you in their membership scheme (I have had the free offer in the past so can't do that again). I can get my report from Equifax and callcredit,…
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6 month 0% kitchen agrrement ending. Can i pay with Credit Card?
Hi All...this is my first time so be gentle! I entered into a 6 month interest free agreement with Magnet Kitchens (with Barclays Bank) which is due to end in November. When that day arrives will I be able to pay the complete balance in the region of £5000 with my Credit Card (NatWest MasterCard)? Basically giving myself…
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More credit on existing card
Hi all, I've been turned down for a new credit card. Can I ask for more credit on my existing card? Would my own credit card company re-look at my credit score before giving more credit?
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Unauthorised credit card payment
Hi, I saw something on the website about 6 months ago about the law and unauthorised credit card payments. Does anyone know where i can find it? (ive been looking for an hour!) thanks
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Barclaycard Dispute Process
Hi all, I recently disputed a transaction with Barclaycard (S75). The purchase in question was a car which wasn't fit for purpose. Initially the debits were marked as disputed transactions but remained as debits on the card statement. I noticed tonight that I have received a full credit refund for the car (I guess since BC…
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Keep paying a utility bill in the UK even though now live in the US?
We rent a house in the UK and the tenants pay for all the bills. We pay for the mortgage. We live in the USA. We want to apply for a second mortgage but worried that our credits score in the UK has gone down due to living in the USA. Should we consider paying at least one utility bill (i.e. council tax) to help improve our…
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£34 default from TMobile - no notice
Hi, I had an account with TMobile from mid 2007. I always paid my bills by direct debit and was always on time. In around Jan 2011 my phone was stolen and I decided to cancel my contract and get a new deal elsewhere. I called T Mobile to cancel, and understood everything was finalised in terms of payment for the final…
