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credit card balance transfer help please!
Okay may be being very dim but we got an offer from barclaycard through the post today for 7.9% on money transfers for up to 3 years with no handling fee. Now we have a debt of 2k on our barclaycard with a limit of 8k we pay more than the minimum payment everymonth but not by a huge amount, if we did a blance transfer of…
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Will I get a default notice now I'm about to miss a second payment?
I got signed off work just before Christmas, then earlier in the year my company's sick pay ran out (they top it up) so I only got SSP last month, as a result that all went on bills and I ended up missing three of my CC payments, as I simply couldn't pay a penny to any of them. One card's Sainsbury's, the other's Bank of…
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Can you refer yourself for an Amex card?
I imagine the answer is no... but it'd be good if someone could confirm :)
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0% BT Transfer from 0% Purchases card?
This is boggling my mind a little and hoping someone can shine some light on this. In short, I am trying to build up some 'cash' as I will be moving in (renting together) with my gf for the first and want to build up some money quickly in the short term. I am saving a good chunk monthly anyway so have no issue of paying…
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Very Account - How does it work?
Hi there. Sorry if this sounds daft, but I have a Very account and was wondering how the payment plans work? I know they do the Take 3 option, but they say they offer longer term monthly options only I cant find this when I order something. It just says add item to account? I use Littlewoods and they have the payment plans…
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Balance Transfer from an Empty card?
Hello everyone I have two credit cards, both of which are empty, and the second of which I specifically got because it offers a long period of 0% int. on balance transfers. I had a sizeable purchase in mind and have been intending on buying the item on credit card 1, and transferring the balance to credit card 2 and slowly…
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Balance swapping
Hi All. Just wanted to check thoughts on this, please. I have two credit cards. Card 1 has £3000 on it already, and is offering a 0% balance transfer for 12 months deal (3% fee). Card 2 is empty, but has no special offer. Would I be able to get away with transferring the money from card 1 to card 2, and then back again,…
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Vanquis Payment Due Date
Can anyone tell me how many days after the statement date is the payment due date with Vanquis? Thanks
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card payment fees
the canal and river trust who deal with boat licences are charging £7.50 for credit card payments, is this normal, or a rip off ?
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Credit Card Help!!
Hi, Firstly i'm new to this credit stuff so beare with me. I'm currently looking at borrowing a sum of £2000 and looking at personal loans i would be paying for it. However i have been offered the amount on a credit card with 0% APR for 16 months with Tesco which i will pay off by direct debit and lock my card away out of…
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Homebase Card - buy now pay later
I'm after a bit of advice from anyone who may have been caught out with this before or who can help. Basically I bought a kitchen from Homebase on a buy now pay later (12 months) scheme. I missed the payment due date and subsequently had 12months interest back dated. I did check my online account and statements regularly…
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Proof of residency for foreign nationals?
Howdy - I've been told by many agencies that I need to get on the electoral roll, but as a 'foreign national' (and not EU) I cannot. The MoneySavingExpert credit page states: Anyone know how that is done and what qualifies as proof of residency? p.s. I've searched the forum and not seen a clear answer. -- Sean R
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Paying rent-in-advance and bond on 0% purchases card, a good idea?
Hi, if anybody has an idea of the answer to this conundrum it would be greatly appreciated. I have to pay 1 months rent-in-advance (£400) and bond (£400) for a rental property with a lettings agent via a pdq machine in their office. On a credit card would that be classed as a 'purchase' or as a 'money transfer'?.
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bank issued 2 cards when only allowed 1
hi just would like a little info if anyone can help. my issue is a while ago before the credit crunch and all banks collapsing i was issued with two credit cards when i should only have ever been issued with one by my bank. This in turn has got me in alot more debt than i would have ever been should i have been issued with…
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Discrimination - Paying for a hotel room by credit card!
I would welcome comments on a situation I experienced today. I wanted to book a hotel room for November online through a popular hotel chain. After sussing out a very reasonably priced double room for £39.00 I proceeded to try and book and pay for it it online.The booking indicated that the discounted price was due to it…
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nationwide balance transfer
hi all, was wondering if anyone knows if i can transfer my balance from my tesco account to my girlfriends nationwide account if she applys for one. been reading through nationwide t&c and can't find anything that suggests not.
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Worried about a returned CC payment
Hi everyone. I recently paid off a credit card, as I transferred the outstanding amount to a new 0% interest card. Once the c/c balance showed as £0.00, I went online to cancel the monthly direct debit from my bank a/c. There was a £100 payment showing as due which is the amount I was paying off each month, and a window…
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Halifax Clarity
Hi all, Thinking of getting one of these for cheap foreign cash withdrawals (currently have a Santander Zero, but will probably change to a 123 to get some decent instant access saving interest!). Anyway, it all sounds good = costing only about £1 per month interest for each £100 withdrawn, and no fees. BUT I found this…
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A question about credit rating and credit cards..
Hi all, I was wondering if you have a credit card with (for example) 13 months interest free on purchases and you use it to make purchases and then pay it off slowly (so not in full) over the 13 month period, does this affect your credit rating, as you are not paying it off in full each month? Thanks.
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Guaranteed card
Hi Halifax are currently offering me a guaranteed card when i sign into online banking. The card they are offering me is the halifax all in one card. The card I would actually like is the clarity card as I am going on holiday next month and I know this is one of the best cards on the market for foreign withdrawals/…
