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Over £100 on repayments
Hi, MSE Newbie here - so please be kind! We've had a pretty terrible year so far, with me closing my web design business, with mounting debts and to top it all, bad health. Luckily, I've secured myself a full-time job recently, but the debts still loom. I currently have one Virgin credit card with £3k on it, and because we…
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Credit card, USA to pay for rv help
Hi. I need to pay for an RV over the phone in USA, so it would be dollars obviously. I would prefer to pay on my interst free card but it seems the best way is to order something like the the clarity card. Then pay it off at the first bill, I can afford this by playing around with funds, can someone help and advise…
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Can I use 3 credit cards to pay for one purchase?
I'm about to make a large purchase for which I have saved 2/3rds of the cost. I have been looking at taking out a 0% on purchase credit card but noticed that the credit limit of these cards are 1200 and I need 3500. Would it be acceptable to apply for 3 of these 0% credit cards and pay 100 to each of them every month. I…
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Not on electoral register.. credit card
Hi, I applied for the barclays initial credit card a few days ago and was shocked to be declined as I have a reasonably good credit history and was sure I would meet the requirements for the card. However I've realised I am not on the electoral register under the address I put on the application. (Recently moved from my…
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Nationwide soft quote check.......
Hi all,Just looking at the nationwide credit card offering. 0 percent balance transfer deal. Can aNyone tell me more about the online soft quote they offer......is this a real indication of acceptance and does it leave or damage my credit history........as I'm sure many of you are I don't want to make lots of applications.…
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Appeal against a decision!
I applied for the capital one aqua card is it worth appeal against my declined decision? I know I have a low credit score and a default on my credit report but I have had car finance and paid that in full for the past 4 years not missing a payment also I've had a phone contract for maybe four five years and not missed any…
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Rolling over CC debt
Hi, I have £6.5k of debt with MBNA that is due to expire mid Feb off it's interest free period. I don't have the funds currently to repay so rather borrow to repay and then loading the same card up again, can I just ask them to keep the balance static and charge me 3.5% or whatever for the next interest free period? John
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Can't pay some credit cards
Hi, my mum has lost her place of work. Unfortunately to being self employed she can't begin to claim JSA. She has enough money to pay all bills for December but then she has nothing. My brothers and sister can afford to pay her mortgage, car payments and other household bills until she finds a job but we can't pay her…
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Aqua Card Interest Rate Increase
I had a letter yesterday notifying me of increase in interest rate on my Aqua credit card. I know you can close the account if rejecting the increase but my concern is that the letter says you can repay over a reasonable period of time. I only pay the minimum amount each month. With an outstanding balance of £2800 will…
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Lloyds TSB Advance Card
Hi, I have a Lloyds TSB Advance card which is currently interest free until mid december, I have read the T&C's about 20 times now and cannot find out how interest will be charged. Will it be charged from the account opening or just on purchases that have been made from mid december, Planning on clearing it off when it…
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argos card application declined
I tried to apply online for an argos card the other night. I was able to answer yes to all the questions of the first page, but as i got through i clicked i was a student and it then on next page asked for my employers name and there was no way past this. So i went back and clicked on houseperson, carried on through and…
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Is it worth transferring these amounts?
Barclaycard keep nagging me to transfer my balances onto my BCard. The card is a platinum card with 14 months 0% on purchases. The purchase balance is now £500 (the 0% period ends in Feb). Now, they are offering 0% on balance transfers for 9 months (2.9% fee). So my question is, is it worth doing? and I'm assuming they…
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Help with Credit Card
I have recently got a credit card in order to increase my credit rating. Would it be better to clear it in full every month or to allow some to run over and pay a bit of interest? Thank you
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can my wife transfer a balance from a card in my name to one in hers?
Hi. We have a large debt on a credit card in my name. Can my wife take out a 0% card and transfer the balance to it? Thanks in advance Adam
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Balance Tranfer
I want to do a balance transfer from capital one credit card to vanquis credit card, but capital one site wont except the account number for vanquis, I have tried 0000 0001 and 50409510, please can anyone help?
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Vanquis Card Vs Lloyds TSB Loan
Hi currently have a vanquis card with a credit limit of £2500.00 and the outstanding balance is £2,126.93. Im paying the min payment which is about £96.00 a month but £89.00 is being paid in interest foolish I know. I was considering taking out a loan to pay the balance these are the figures been given would it be worth…
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Credit card statements being sent to my old address!!
Hi guys, I apologise if I've put this thread in the wrong area! So long story short, I opened a credit card account with Vanquis to build my credit score. I moved address before getting the card in the post to which i called up and informed then that I had moved address and to not activate the card they had sent. It…
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Will closing all credit cards have a negative effect on credit rating?
Me and my husband have paid of all our credit cards and closed them all apart from my tesco credit card which we both use for the extra clubcard points and pay in full every month. And my husband has a small balance on a 0% Barclaycard which will be paid of in full by the end of the 18 month interest free period. Once my…
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Mint credit card account termination
Hi, i took out a credit card with Mint when i was 18 with a grand total of a £350 credit limit. I got into a bit of trouble once and used it and maxed it out. I'd regularly made £10 payments each month but i must of spent a bit more on it which pushed it over the limit. Since then the interest and charges which kept…
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Can't do balance transfer
I have a Barclaycard with 2k debt. Unfortunately I am now paying very high interest and wish to do a balance transfer. I have tried 2 applications(Tesco and Nat West) rejected by both. My monthly income is low but my husbands is high. Any suggestions on how to proceed please?
