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Promotional End
Hi there, I got a credit card a few months ago with balance transfers at 0% for 23 months. After these 23 months does the 0% end and will the APR shoot up to 15 - 20%? If this is the case then do most people keep cancelling credit cards with good balance transfer periods when they end, and then get new ones with other long…
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Pre-apply Eligibility Checker
How do I find the Pre-apply Eligibility Checker on MSE? When I click on the link by the eligible credit card, it just says the checker is available?
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Credit card of severely ill
Hi, My mother in law has been taken ill with a brain injury and the medium to long term prognosis is unsure. My father in law has also just passed away. We have discovered a credit card with RBS solely in my mother in laws name which has about £4000 outstanding. Does anyone know if we are liable for this debt? They own a…
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Credit card dispute
I purchased a car on my credit card and before I left the dealership it developed a major fault. I was then sent home in a courtesy car (an old banger that had no petrol) and was told the car I had purchased would be delivered the next day and they would pick the courtesy car up. They never delivered the car and didn't…
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using credit cards to increase ISA earnings
Hi, I want to use a 0% credit card to put money into my ISA so I can gain extra intrest. Is this possible or do all credit cards have to be payed of monthly? If so what would be the best credit card to do this? Many Thanks
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Capital One BT how many can i make ?
i have just successfully applied for a capital one balance transfer credit card they have very generously given me a credit limit of £500 and 0% balance transfer for 6 months. now my question is can i make more than one balance transfer to this card from my other credit cards ? for example can i transfer £400 and pay it…
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Consolidate??
Hi Was just after a bit of quick advice about my current financial situation. I currently have about £7000 of Credit card debt split over 3 cards, all at quite low rates as have moved things about a bit to get 0% or low rates until the balance is paid off etc. The only other debt i have is a personal loan which has 5…
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2 year old credit card debt!
A lender I had a credit card with over two years ago has recently got in touch stating I owe them over £100 in iterest charges!! Once I had cleared the balance of this card I cut it up and never used it again. As I say it was approx 2 years ago. I have had no previous letters/statements from them to say that there was an…
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Santander zero credit card
I have over paid my Santander Zero Card. Does anyone know will I be charged any fees/interest if I withdraw the overpayment in Euros i.e. on holiday?
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Citibank - arghhh!
Several weeks ago I wrote to Citibank at their PO box address to try to resolve a credit card dispute (they charged interest on a fraudulent transaction in 2009) but predictably, they have not answered. I don't live far from Worthing where their PO box address supposedly resides and I'd like to hand deliver a copy of the…
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Small Claims Court help needed
I have had major problems with a utility company. I tried to resolve matters by writing to them in the hope the matter would be resolved amicably. They weren't interested even when I threatened court action. Incidentally, I felt I had a strong case as I had letters /emails from sub contractors admitting their mistakes. I…
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Balance transfer?
Hi all, This might be a daft question but I wanted to ask :o I have a Virgin credit card. Currently about 75% of the balance is on a 0% interest rate, and the remainder (£1,200) is getting charged interest each month as that amount came from purchases. If I wanted to transfer from this card onto another card that offered a…
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Joint card/accounts for renovations fund
Hello, I'm just buying a house and have some money set aside for renovations. My partner will be project managing most of the work whilst I will be funding it, so I would like some way for each of us to have a card to access the renovation fund. What is the best way of doing this? - Joint account? - Credit card with two…
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Credit report woes
Hi, I am looking for a little advice (Im also not sure if this is in the right place so let me know if i need to post elsewhere). I have been trying to increase my perceived credit score for a few years and am really struggling. I have reports from CheckMyFile and any issues I have found, I dealt directly with the agency…
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new balance transfer barclaycard for sub prime
http://www.barclaycard.co.uk/personal/platinum3010?WT.mc_id=Barclaycard_Direct_Partners_Platinum-LoveMoney_com-LVM0330283_Platinum_18m_Love_Money-&TC=LVM0330283&mpch=ads Not sure if this has been talked about before but i believe its only just arrived on the market. As far as i'm aware its not on barclays own website but…
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Moving Abroad
Hi Guys I need advise. I am planning to move abroad (Dubai) but having debts here (aprox. £8500 over 2500 just with Vanquis - my biggest mistake ). Obviously I will not have a residency in the UK, but I am still willing to pay my debts off some how. I can not afford to pay it off straight away. I dont really care about my…
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A bit stupid but advice gladly received...
I was transferring some money between my accounts and managed to accidentally send some money to my Mums credit card... I got married last year and she bought a couple of things for me on the card and I paid her back straight to the card hence why I had it saved in my online banking... So- It was a faster payment so I…
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Barclaycard
Does anyone know if you can use a different credit card to pay the minimum on barclaycard? I know this is inadvisable so please don't tell me how ridiculous this is but I need to make a payment and I won't have any money clear into my bank account until Thursday and I am going out of the country for a week on T. I put in…
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Bad credit - credit card newbie
Me and my partner have been trying to get a mortgage together for our 'forever home'. I have had several loans and finance agreements and apart from a situation 2 years ago when I was between jobs (missed 3 payments but paid back as soon as I could) all is paid off and complete. When the mortgage company rejected us we…
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MBNA More Rewards Credit Card
Hi MSE's I'm looking at maximising potential rewards from purchases. I use my credit card for every thing and just pay it off at the end of the month, the MBNA More Rewards Credit Card caught my eye and I was wondering if anyone has had any experience with this card?…
