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pay overdraft with balance transfer credit card?
Am I able to use a balance transfer credit card to pay my overdraft off?
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Barclaycard - extra payment without stopping direct debit
Hi From past experience I know that barclaycard don't claim the direct debit if a manual payment has been made that's higher than the minimum. For budgeting purposes have a set amount each month I want to clear before 0% end, this is higher than the direct debits. Now as this dd is one of the ones I will be using to…
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Cash advance still Unavailable despite being told it would be in account?
Hi Friend requested a cash advance via credit card (vanquis) to be transferred to bank account. Advised yesterday it would be available in bank account today,upon checking vanquis online it's showing money has left.. Checking online bank account its not available?Friend called vanquis to query why funds weren't available…
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Credit card lump sum
Hello everyone, I am currently looking to increase my ovine enterprise substantially and have an initial 5 year plan for which I am looking for around £2000 for the first step. I am considered using an interest free creditc card for a lump sum as I will be able to pay this over over the 16(ish) months 0% term however the…
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Credit card advice
Hi there. I am 24 years old and work with my parents who own seven children's nurseries. I take home about 18,000 a year after tax and am currently living at home (though will be moving out next year.) I have never had a credit card and have no debts but two debit cards from nationwide and a natwest account with a 300…
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Annoying letter from Aqua
3 weeks ago I applied for an Aqua, NatWest, and Tesco credit card within a few days and appeared to be accepted for all of them (I already have received and am using the latter two). When I sent back my acceptance of the credit agreement to Aqua they also wanted a copy of photo ID and a recent statement/bill as proof of ID…
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Trying to get a Default Removed
Hi all, Looking to see if there is anymore I can do. Basically I am trying to get a couple of Default notices removed from my credit report. Not saying it isn't my fault I just figured if I can get them off then why not. Basically I sent them a letter which I think is commonly available on the internet which basically says…
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Nationwide soft search
Hi everyone, my bankruptcy was due to fall off my file on 11/3 finally after 6 yrs, ive got a vanquish cc at the moment but would like to get rid for a prime one. Ive been doing the the odd soft search with nationwide cc the first one said 19.9% =£500, the 2nd was 19.9%=1800, and the 3rd was 19.9%=2500. Do you think its an…
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Cash back credit card
Hi all, in the next couple of weeks I finish a 2 year deal on Ford Options for a car. I need to pay approx £5800 for the current car. I have the cash to pay for it however I thought I may as well try to take advantage of a cash back credit card. I've already got a Barclaycard and have had a AMEX card with cash back. Can…
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Don't understand the 0%
Hi Can someone please explain how this 0% on balance transfers works in practice? I got 22 months at 0% with Nat West but am paying 1.35 a month in interest - is the transfer fee done this way ie spread over rather than a straight add on one off amount. I seem to be being robbed!
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When should I apply for new credit?
Hi, I'm just looking for some advice on when I should be looking to apply for new credit such as 0% transfers or cards on a better rate. The reasons behind this is are that on 1st January this year I owed just under £9.4k on 1 loan and 5 cards, this debt was about £13k January 2012 so I'd paid off just over £3k in a year.…
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rebuilding credit rating
I'm currently trying to rebuild my credit score after a period of unemployment leading to debt and missed payments and one ccj. I am now debt free. But obviously the ccj is still on record and won't drop off for a few years, In the meantime I have a Luma credit card which I use to fill the car up and pay off in full each…
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Applied for a credit card, received suspicious email days later
I applied for my first credit card online some time last week with Capital One in an attempt to improve my credit rating. Today I received an email from 'experian' whom I had an account with a few months ago using a different email address to the one I received the suspicious email on. I receive little to no spam on this…
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American Express Platinum Cashback Card
I have just been told about this card by a friend and after checking out the details on the Amex website can't believe I have never heard of this before! From what I can see you get £25 for signing up (so the first year is effectively free) and then 1.25% cashback on ALL spending for the year...with a bonus 5% up to £100…
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Credit Card Rate Jacking Interest Rate Question
I was rate jacked by my credit card company last year and thanks to the good advice I received on this website I managed to stop it from happening to me again this year. However I was told that when they put up your interest rate they are only allowed to charge you the new interest rate on any new balances and not the…
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Balance Transfer Fees
Hi, I'm looking for a bit of advice, I have three credit cards, two currently have 0% deals which are coming to an end the Virgin card in April and Barclaycard in Sept the third is also Barclaycard but is not in use at moment I am regularly offered balance transfers on all three cards but wondered if I am better to keep…
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Got a refund on CC but still have to pay same Closing Balance
Hi I'm a little confused about how credit card refunds work. I just got a refund for goods I bought several months ago and it has appeared on my online statement and reduced my balance. However I still have to pay the statement for last month. In doing so I will then be in positive credit. So how does this work? Will I pay…
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Credit and banking address change
Hi, I'm a final year student expecting to graduate this June and have been accepted for a job starting in August. Currently my current account, savings, credit cards and mobile phone bill are all linked to my parents' address as I have been living in a flat at university only during term time. I will be moving to a new…
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Which Option
Hi guys, Hope everyone is ok. Just after some advice if possible please. I have my main credit card debt with Barclaycard its £3000 and I still got 18 months 0% on it, they are offering me a further balance transfer for 12 months from another card. I have £400 on Virgin which the 0% has run out so I pay about £5 interest…
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Tesco Credit card application
A friend of mine applied for a tesco credit card online and was given a message 'We may be able to offer a credit card' and was also shown the estimated credit limit and APR.It says they need to do some further checks and will get back with a decision within 5 working days. Has anyone been in a similar situation and what…
