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0% Bal Trans & 0% Purchases - A bit of help please!!!!
Hi all Trying to get my head around this. I have a new credit card 0% on Balance Transfer for 26 months and 0% on purchases for 12 months. I have balance transferred across and i have divided this amount by 26 (for the 26 mth period) i will pay just the minimum payment required to the card and the rest put into my offset…
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International Purchase
Hello I am about to make a direct booking for a US hotel. They only quote prices in dollars. When using my credit card, who is responsible for the exchange rate? Is it my CC company? If so, at what point does the conversion happen and is there are fees for this? Can anyone also recommend a better way of making the booking…
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Barclaycard Minimum Payment
I set up a standard payment on my Barclaycard for the minimum amount (to avoid late payment charge). Then a few days before the due date I deducted the minimum from the outstanding balance and paid that off (assuming they would take the minimum). The problem is they have not taken the minimum and I have been left with a…
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best credit card to go for
Hi, I am fair new at rebuilding my credit just like a few of the users here. I have not had a terrible history with credit only unfortunate thing is a default which i have on my record. At the time this came on i did not know its implications and thought it was wise to just ignore them. I have now paid the defaulted amount…
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Vanquis - Cowboys to be avoided!
Ok, a bit of background. Back in August 2009 I went bankrupt after a series of events over a few years. It began with supporting my parents when my Dad got seriously ill, relocating for a higher level job and then losing my job and being unable to get another. It was the best option at the time. Not the only option, but…
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How many people have been initially accepted for barclaycard?
Hi, just a quick kind of poll. how many have been accepted for barclaycard then had the card before being told the account was closed/declined after further consideration? did anyone request a balance transfer at the time of application which was then refused? Also, how many of you have been accepted with no probs? been…
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Working out amount owed
Hi! I've got a card with several different balance transfers onto it with different expiry dates for the offers, but the interest is reported separately for each transfer and I can't work out how much of the borrowing on the card is on each offer. One entry for August is 0.008% per day - interest charged £7.03 What is the…
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Aqua card payment
Hi all I am new to the forum. My question is I have an aqua card and I paid my balance in full through my bank using the bank giro credit, I paid with cash. When I check my statement with Aqua online it says payment recieved with thanks on 4th September. This morning I checked my account and my balance has not reflected…
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Paying off credit cards - credit report/score questions
We are currently in the position to be able to pay off our two credit cards in full this month in one big lump sum. We currently have really high limits on them as well (10k available on each). We're thinking of reducing the credit limits to around £3k to avoid the temptation of running them back up again. A couple of…
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How long for a balance transfer?
I applied and was accepted Monday just after 5pm and requested a balance transfer during application. Online today, my account still says its a pending transaction but has been authorised. I was wondering how long it takes to appear on actual account screen as completed? I called yesterday and was told it had been actioned…
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Poor credit rating and high rate cards
I have a poor credit rating due to some old defaults from before my divorce. These are dropping off now and are mostly paid apart from one which is charging a massive rate of interest and I am paying very little off the actual balance. They won't reduce the interest rate so I would like to balance transfer. Sadly as my…
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Barclaycard Mastercard on line fraud
I recently checked my on line B/card M/card a/c (which my wife and I have had for over 20 years) and noticed an extremely high amount in pending transactions. I immediately called B/card and was told my card had been used to make one on line purchase of over £3000!!! When I had established that the transaction was nothing…
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Frozen Credit Card - can I use it for a balance transfer?
I had a Paypal credit card, which was then transferred to Santander and they then stopped offering it. I was advised that my interest rate (just over 12%) would rise, so I asked to freeze the account (I had not used the card for a year anyway) and I have been paying just over the minimum payment since then (now owing…
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Buying pre-paid cards with a credit card
I'm considering buying a pre paid card with my credit card to earn some extra air miles and then pay off the credit card balance with the pre paid card. How feasible is this? Has anyone had any experience with it?
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Advice on my credit card please?
Hello all, I have a credit card with Vanquis. I have had it only since August so not that long. I made my first repayment recently. The interest is very high so my plan is to keep the card for six months and then try and get a better card with has a 0% on purchased or something like that. Is this a good idea or should I…
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Poor credit rating because old accounts not shown
My credit rating is poor and I have been refused a second credit card, once I checked with Experian and two accounts are not listed. I chased Natwest and finally got one on there but they still aren't showing my credit account. This has taken 6 months! Who do the credit agencies report to? Natwest have no idea!! Help…
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Help!
Hi All, I went to Italy in August and staying in both Pisa and Florence, booked two seperate hotels with Travel Republic. Had issued with both the bookings, first booking in Pisa - Air Con didn't work in the hotel, second booking we were turned away from the hotel we'd booked and put in new hotel which was nothing like the…
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Building Up A Credit Score
I've a friend who was out of the country for a long number of years. They spent their time working in America and Europe. In Europe they had a business that went burst and that brought about a major breakdown. They are now back in the UK and starting to rebuild their lives. That's the back story. As of now all my friend…
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Transfer Fee on 0% BT
A quick question guys a gals.... How is the transfer fee on a BT card payable? Lump sum or added on to the interest of the card? The card in question would be a HSBC card, 3.3% fee. Many thanks.
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Large balance transfer
Hi, When my wife and I got married last year, we put about £10,000 worth of bills on my Barclaycard. At the time we were both earning good money, so we were happy that we could pay it off within a year. However, soon after the honeymoon, we discovered that my wife was pregnant. Since then she gave up work and we've not…
