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How best to make CC payments
My car insurance is due next month, and i've managed to barter the price down significantly by using price comparison sites. I initially wanted to pay monthly (usually pay upfront) so I could budget a bit better (have just taken a pay cut), but the difference was so significant that I have been put off that idea. So i've…
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HSBC Credit card
Hi all, I have a HSBC credit card and have done the balance transfer for 23 months thing I am wondering if i was to spend on it as well how would i pay this back say i have a £1000 balance transfer and i spend say £100 on i have a min payment of £50 set up to pay the £1000 off each month but if i say pay £150 a month on to…
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House Valuation Nightmare- eSurv
Hello all, Our house valuation nightmare began a number of months ago on a property we were looking to purchase in Weybridge. We intially looked to port our mortgage through our current provider Natwest and used eSurv to provide a full structural survey as well as the valuation which they conducted for the bank. The survey…
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Need help with balance transfer
Hi, I hope someone out there can help. I have a MBNA credit card. My balance is £3,832.11. Interest a staggering 29.3% I am self employed and had a couple of very good regular clients over the last couple of years that has kept me in good income. I lost these two big accounts last year. I have since struggled to pay off…
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Fun/different Credit/Debit Card designs
I used to have a leopard print credit card when I was at uni. Does anyone know of any other cool ones out there? Obviously the design isn't the important part about the card, but I have 2 that look exactly the same (except the long car number) and I get confused or use the wrong card. I've had to mark one with nail varnish…
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barclaycard 6.9% existing customers help pls
Hi have just logged in to my barclaycard and habe £350 available to transfer in, with a rate of 6.9% for life... I just wanted to check, will this affect the 22 month 0% that i have with them on the card? Or will it stay the same rate etc? Thanks in advance
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Amazon.co.uk credit card loyalty points.
Hi everybody, I was wondering if you can help me out. I have recently received my amazon credit card. I have activated it and I used it for the first time 2 days ago (and made 2 seperate purchases). My question is, how long after you make a purchase using the card does it take for the loyalty points to show up on your…
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Student loan repayment
I have recently started a new job which i get a car allowance for. My annual salary is under the threshold for deferment of my student loan (pre 1998 mortgage style) but the car allowance takes me over this and SLC are demanding payment. Has anyone else has this problem? The payments are high I am reluctant to start paying…
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0% balance transfer con .... WARNING
I'm currently in dispute with my Credit Card supplier as they have started charging interest on my credit card even though I clear the spending on the card each month. I did a balance transfer on a 0% deal in March 2012, and a second one in August 2012. I then continued to use the C/C for purchases etc - making sure that…
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Tesco Credit card and balance transfers
Morning All, Long time viewer first time poster, I think.... I have a Tesco credit card, 21months interest free balance transfers... the thing is I can't find anywhere on Tesco's website or paperwork if there is a time restriction on transfers. I have had cards before where there are not any restrictions, but I have also…
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Vanquis - Credit Reporting
Hi, Can anyone shed any light on how Vanquis report back to credit agencies. My partner currently has a Vanquis credit card in order to build up his credit score. The balance of the account showing on Experian seems to be incorrect. It states that the account was last updated on 07/04/13. However, the balance showing…
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Hit by non-Sterling transaction fees
Hi there I've been doing some advertising on Facebook and on there I get charged in USD, even though everything about my FB account is UK-related. With every FB payment I make (and they are daily), I am being charged a "Non-Sterling transaction fee" by, I assume, my credit card company (it's a Halifax Mastercard). They are…
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4% credit card charge on todays purchase
On the 5th November 2013 I brought a laptop from Currys for the price of £529. They had a "pay nothing for the first six months" deal, after which you had the option of paying off the outstanding balance or going onto a payment scheme where you paid £20.44 for 36months. It all sounded pretty good to me, so I put down a…
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Barclay Card/Credit Cards
Hi there, I've been really riled as since graduating in 2009 I have not been able to get a credit card. It is probably a blessing in disguise but now that I live on my own and rent I would quite like some form of back-up plus the ability to budget using a credit card if that makes sense. To cute a long story short I…
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Charge Card vs Credit Card
Hi MSE's, Can anyone tell me the pro's/con's over applying for a charge card over the standard credit card? Will one increase credit worthiness over the other? Help is appreciated.
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Barclaycard initial and building my credit rating
Hi all, I'm new to the forum and looking to get some advice. I've had a barclaycard initial now since November 2012 with a £400 limit on an £8.5k salary (in full time education and working part time). I got it as I'd like to build my credit rating as I'm in my late teens and looking to get a head-start with a good rating.…
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Amex Charge Card as first Amex card
Hi, Does anyone know if Amex are usually happy to issue Charge Cards to customers who've never been with Amex before?
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Credit card 5 years CCJ. Can I claim PPI
This is my first post on this site, so pardon me if it has not been done properly. Well done to Martin and his team for putting such a great website/forum together. I am about to help my aunt claim PPI for 2 credit cards and a loan. The loan was with Natwest bank and she paid it off about 5-6 years ago. -Her credit card…
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20% Acceptance Rate : Dioes that mean 80% will get a no, or a worse offer ?
Hi I'm doing the soft search on my file which is on this site. I would be very grateful for any advice on the following : 1. The search on for example, Tesco's best rate said I only have a 20% chance of acceptance. Does that mean that I will get a flat-out no, or a far less attractive offer ? 2. If its a far less…
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Halifax Clarity vs Debit Card
Hi all, new to the site but joined as I'm looking for some advice: I'm going to be taking a one off, once in a lifetime, extended stay abroad this year. I'll be away 3 months (which might increase a little if I really find myself enjoying the place). I am trying to work through the myriad of different options to access my…
