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Newbie - be gentle
Hi there, I'm looking to purchase solar panels for my house and have been pointed in the direction of getting a couple of credit cards with long 0% interest rates and pay the minimum each month and then once the 0% period is up, transfer this onto another card and do this again. Now, I have got some literature through from…
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Cashback / Balance Transfer newbie *help pls**
Hi MSErs, As a credit card newbie (I haven't had one in UK before, but have overseas) I wondered if someone could tell me this is a legitimate moneysaving method -- 1. Get Cashback Card (with high cashback) 2. Get Balance Transfer Card (with low BT charge) 3. Make initial big purchases (inside bonus cashback window, eg.…
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Barclaycard Application/Soft Search
I've been online and done a soft search with BC, they offered an 80% chance of acceptance on the BT card, so i completed the app, but instead of an instant decision i got a message saying they needed to check details etc. Does that mean i'll be declined? FWIW i already have a card with them, the 7.9% APR card, but I want…
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how to buy a car on a credit card
hi the last 18 months i have work pt ut now i have getten a full time job:) i now need to buy a car i have some money saved up for the car insurance i have appleyed for the tesco credit card and it say my limmet is £600 how to get them to increase my credit ? and anty tips buy a car on a card i have seen a car £2500 many…
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Have I messed up?
Hiya everyone, Yes it's me again. I have a couple of questions please then I promise not to bug people again (well at least for a while). I posted a while back about getting a good 0% balance transfer credit card and after doing Martin's eligibility check the only one that I could get was a Capital One card, I filled the…
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Graduate credit card before start grad job
Right, I have an offer for a job which I accepted and I hope all goes to plan. So my problem is I want a graduate credit card for the time when I start my new job. The salary is very good in the £30s. How easy will it be to get a graduate credit card? By then I will have started my job and I already have a £2k overdraft…
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Cash or Credit Card in Germany
I will be working Germany for the next 9 months returning to the UK every other w/e. Should I simply take Euros or Santander 123 Credit card or ?
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Advice for Credit Card for holidays
We are off to Florida in June and i am looking for a CC that has no exchange rate fees and hopefully 0% on purchases for a few months. I have looked at the nationwide cc but you need a current account to do it. Any other ideas? Thanks Ross
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Next Directory lowering credit limit
NEXT have lowered my credit limit from £900 to £45 (effectively £0). I rang their credit control department, apparently it will have 'NO EFFECT' on my credit and how my credit file is viewed. Anyone shed any light on whether the woman on the phone actually knows what she is talking about?
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What to do
I have a mortgage agreed and am due to exchange contracts in the next week or so. I have a 0% interest for 15months credit card that I got after the mortgage was agreed - ready to put new things we buy for the house on. It has an £11,000 limit on it (what they gave me, haven't reduced it yet). The card has £700 spent on it…
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Need a link credit cards allowing transfers to current accounts
Hi guys Looking to get a credit card to pay off my overdraft, I've looked into this and feel this would be the best way for me. I know there are only select cards that allow this, how would I find out which one's they are? Thanks so much Missy.
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Creation anomaly
Been a creation customer with various cards for years now and never come across this before. Balance on the card is next to nothing, attempted to make a £499 paypal transaction and had it declined because their system decided it was a risk... But no one could explain why or override it, just tell me "If you try to make the…
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S75 protection
I need to pay the deposit for a marquee and wanted to put it on my credit card to get the Section 75 protection as the event is over a year away. The company have given me only their bank details or cheque payable details and say those are the only accepted methods of payment or paypal, which they've said would need…
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No Cover for Quality
I am considering paying for an online training cost about $1200. There is a possibility the quality of course may not be good or the web site is too slow, in which case I may want the money returned. I spoke to Nat West Credit who tell me their credit card offers no protection whatsoever for quality of a product or…
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Late payment fee... But I wasn't late!?
Hi, I have a natwest student credit card, a payment was due 23/3/13 of £36.20. I paid: £26.69 on 6/3/13 £10.00 on 6/3/13 £10.00 on 11/3/13 Now my maths isn't brilliant, but surely this means that I paid my minimum amount before the deadline of the 23rd? I've now been charged a £12 late payment fee which has taken me over…
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Capital One World Aspire gone
Just a heads up for anyone that was gong to apply for the Cap one world. It's now disappeared off the website. Lets hope they will bring out a newer better version.
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changing bank account
Hi guys, Not so sure if this is the right place but couldn't find a generic banking section. Basically, just moved to santanders 123 account for my CC and current account. I want to close my HSBC account down but i'm worried that if a payment tries to go through and fails it will hit my credit rating. I've switched all my…
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Credit Card Direct Debit Issue
New on here but wondered if anyone could help. I've had a Tesco Credit Card for a couple of years now and set up a Direct Debit (DD) to pay off the card in its entirety every month. However, in Feb due to wanting to pay the balance from a different account rather than the one the DD is set up for I paid the balance via the…
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Credit Card Question (transfers)
i have a Natwest 'YourPoints World MasterCard', I cant see a button that lets me transfer money from the CC to another of my accounts so is there a way around it like settng up a paypal account using the CC and transfering money to a relative (as i cant send it to myself). Any other ways or is there no way? (im aware of…
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Mbna ppi
Hi, MBNA have wrote to me advising me that a credit card I had, may have been mis sold PPI and they enclosed a questionnaire to fill in.. Does this mean that they have admitted PPI mis selling as I have not previously enquired with them over anything to do with PPI and they have volunteered the information to me! Cheers! T
