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Cash I do balance transfer to a Cashback card & get cashback?
I have a debt of £2.5K on one card which is coming to the end of a 0% interest period. I have the money in the bank ready to pay it off but an looking for the best way to do this, where I could benefit from a cashback offer. If I take out a new cashback card, one which is offering a good cashback rate in the first 3…
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Payment Dates
Sorry, this has probably been asked a thousand times but still. My payment 'due' date is the 19th of every month. Would I be okay paying via bank transfer on the 15th of the month or would that be cutting it a little too fine? Also, say if the 19th is a weekend, would it need to be paid earlier than the 15th when this…
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Anyone know how to move my OD to a card?
My overdraft of £1500 is earning by far the highest levels of interest. Does anyone know of a card that you can transfer an OD on to?
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NRAM to Virgin Money
We took out a mortgage with Northern Rock in 2007. We have never missed a payment and we have an excellent credit history. Around 2010 our mortgage was moved to Northern Rock Asset Management. We noticed that in July 2012 Virgin Money purchased a further number of mortgage accounts from NRAM. I contacted NRAM to enquire…
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Applying for a new credit card
Hi, I currently have a credit card in which has a small balance that I'm looking to pay off over the next month. It has a very high credit limit and the interest free period is due to expire. I'd like a new credit card which offers an interest free period on purchases - is it wise to close the current card I have, wait for…
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Virgin card question....
:wave: does anyone know how long it takes for a payment made through the virgin money login to show on the 'payments' page? or indeed how long it takes for them to actually take it from my bank? I paid an extra payment on Fri and it's still not showing anywhere! Thanks
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foreign currency
I need to buy some foreign currency using my credit card what is the best way to do this? If I buy it on one card can I transfer the balance to another interest free card to save money? What do you think?
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Do I need to notify Halifax I'm going abroad to use my Clarity CC?
Hi guys. I'm going away on business/leisure to a few countries (Switzerland, Brazil and Netherlands) and I will be using my shiny new Halifax Clarity Card in these countries. Do I need to inform Halifax I'm going away or should it be fine to use the CC without being blocked when away? If anyone can help I'd really…
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Basic questions on balance transfers
Hi, I'm helping my girlfriend look at managing her credit card debt and we're both a bit stumped on a couple of key questions. She's currently got £8k on a Virgin/MBNA card, which until recently she'd just been paying the monthly interest on (around £200). Having just started a new job, she's keen to start reducing the…
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Closed one MBNA card, keep another open?
Hi guys, This might be a stupid question... I closed my Virgin MBNA card a few months ago, in hopes that I can re-apply and get a new one after a year, and get the introductory 0% BT offer again. However, I still have my other (Ryanair) MBNA card open. It has a fairly small limit, zero balance, and a bad purchase rate - so…
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Quad Savings!
Apologies first of all if this is a) in the wrong forum or b) been posted before.(Had a search and couldn't find it so here goes) :) Here’s a way to get four sets of discount. * Use your favourite cashback credit card (e.g. MBNA Amex) to buy a gift card with the Morrisons Fuel Saver scheme. Kerching! Buy the biggest…
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Company Credit Card
Hi all just after some advice. I am due to start with a new employer soon and will be issued with a fuel card and a credit card. A few years ago I got into some debt (which is well on the way to being rectified) and had quite poor credit. Will they be able to issue me these or am I going to encounter problems? Many thanks…
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MBA card can't decrease the limit ?
I have a credit card with MBNA, they wanted to increase the interest rate so I declined this and am currently paying it off. (along with the rest of my debt). I rang them to ask them to decrease my credit limit, as I'm hoping in a few months time to try for a balance transfer card, and my understanding is even if you are…
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Credit Rating Question
Hi, I am currently shifting a (small) debt from a credit card to another existing card to take advantage of a 0% offer. I have also been told that I can use the offer to clear my overdraft on my current account. I have done the sums and from an interest/fees point of view it would be worthwhile. My wages put my current…
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Post Office Travel Money Card communication problems
Hi, I'm new to the forum and I don't have reason to complain about much and wouldn't have this time if the initial issue was sorted out promptly, but I have since encountered multiple problems with this Post Office 'service' that is actually administered via Clydesdale Bank. I apologise for what might sound like a mad rant…
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Cancelling Credit Cards with a Balance
I know this question will have been asked hundreds of times but couldn't find it on the board, i have a large balance on my Barclaycard, can i cancel the card, therefore not able to use it but still continue with the balance on it and paying at least the minimum repayments every month?
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Purchase protection on a lost return?
Hey guys, I wonder if any of you could give me some advice? I bought a pair of jeans on-line, they didn't fit, so I returned them (to Sweden if it makes a difference). It's been 10 days and they still haven't arrived. Rather stupidly, I lost the tracking receipt but still have the till receipt. Claiming through the Post…
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Does A Financial Association Affect Credit Score?
My OH used to have a joint account with his mother. They fell out and he removed her from the account. We're currently buying a house and just to reassure ourselves the mortgage would go through OK we checked his credit score last night, it's dropped by around 140 points and we can't work out why. There's been no missed…
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any problem in paying off smaller regular amounts?
i currently have around £900 left to pay on my CC. i have a standing order to go out 4 weekly the day after payday for £45. i normally make a 2nd payment of an equal or smaller amount 2 weeks into the month when i know how my finances are shaping up. i have been selling a bit on ebay in the last month or so. every time i…
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Stopped Card
I think Lloyds have been getting in a mucking fuddle. About ten days ago I rang to stop my card because I thought it might have been compromised. They sent a new one, but when I tried to use it I got a message that the number wasn't valid. This morning another card arrived with the old number on it, looks like they put the…
