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Cards paid, should I keep them?
Hi All I recently paid off some of my cards and I was wondering if I should cancel them or keep them? I have heard that just cancelling is better for your credit rating but wanted to hear from those in the know. I intend to cut the cards up so I wont be able to use them regardless. Paid (These cards generally high…
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Super Balance transfer cards?
Hi Can anybody tell me what cards are currently offering super balance transfers - i.e cash transfers from the credit card straight into your current bank account. I know Virgin done it a couple of years back, but cant see anything on there website that says this now, only card balance transfers thanks
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Credit cards, who owns what?
This is my first post in this part of the forum, so first off a big hello to everyone here. At present I am trying to transfer as much of my debt as i possibly can onto 0%, so far I have managed to get accepted for Virgins 0% for 26 months CC, for which I used to do a SBT to my bank account to enable me to put it towards…
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Best Credit Cards Deals
Hi Martin I have a Nationwide Credit Card and the interest is about to be added my debt is £2,000 I can pay max £100 per month and am looking for a 0% transfer fee with over 24 months 0% interest free credit card, which would you suggest (I already have a Barclaycard CC) Julie
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Credit Card used 300 miles away and Sainsburys Bank says tough !
Has anyone had this problem? My credit card was used 300 miles from where I live in a 'legitimate chip and pin transaction' and Sainsburys Credit Card fraud department have basically said tough. Your card, your pin. I used my card twice that day and its on the statement, clearly showing I was in my home town so what can I…
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Barclaycard put a 'block' on account? missed minimum payment.
Barclaycard put a temporary block on the card (no funds can be taken out) as a minimum payment was missed. If this is paid again (it has been nearly 2 weeks after the missed payment date) if it is paid again now in the branch, and they receive it, will they remove the block on the card, to allow access to the funds? has…
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Balance transfers with spending and other transfers
I have a credit card that has a balance of £1000. This consists of a £500 balance transfer that is interest free until December 2014 and £500 of spending that is attracting interest. I have a second credit card that has a 0% balance transfer offer. If I transfer £500 will it be the £500 that is attracting interest? I know…
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Incorrect Balance on Aqua Card Web Site
Some time ago the Aqua card web site showed an incorrect figure of how much was available for me to spend before I reached my credit limit. As a result I went over the limit and was charged for it! Aqua accepted that they had a problem with their web page displaying the wrong information and refunded me the charge. But it…
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can i transfer my c/c balance to a partners c/c?
I am wanting to transfer £6,000 on to a 0% deal on a c/c. Thing is i would not be able to get another c/c as i no longer work full time so what i want to do is get my partner (who does) to get the card then put my debt on it (obviously he agrees). Are you allowed to do this? I know my current card does something called a…
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Sygma Bank/Creation/Flybe Rate Jack
Just received a letter today from Sygma Bank stating that my APR will be rising by 3% in the next 60 days :( My promotional period finished last month so I guess this rise may have been linked as I did not fully clear the balance when it ended. Just wanted to know if anybody else received the same letter recently so I can…
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Transfer verse Loan
I called my bank to ask if they would reduce my APR as I was looking to transfer the balance to another provider. They asked if I had considered a loan at 5.1% over 3/4/5/7 years and gave me the breakdown on payments. I don't really want to repay my card off like this but I can't pay the full amount off in a short time at…
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Avios Points Scheme CC's and overpaying?
I'm about to make a large purchase, a holiday/flights, most likely through BA, I've been looking at the avios reward CC's, specifically the BA Amex, BA Premium Amex and Lloyds Duo. As the purchase will undoubtedly be larger than any given credit limit, my query is, can I overpay on any of these cards, to cover the single…
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Paypal Debit card?
Hi, sorry if this thread is in the wrong place, its my first post and wasn't sure where to put it! I just noticed on paypal website they have a debit mastercard which you use as a normal debit card.. but I can't seem to find info on charges for this. Does anyone know if it charges to withdraw from ATM machines? I thought…
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Lost Nationwide credit card
Has anyone lost their card before and if so, how long did it take for the new one to arrive? They've told me anything up to ten days but I think this is way too long! Thanks in advance :D
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data protection bungle - help!!
Hello everybody! I recently had difficulty with my credit card repayments and had to fill in a financial declaration. This week received a letter from a woman across country who has had correspondence from the same company WITH ALL MY FINANCIAL DETAILS ATTACHED, including personal details of address, telephone numbers,…
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Barclaycard Credit Card Advice
Wondered if anybody could possibly help or give me some advice?! I recently contacted Barclaycard to ask them if they could send me out a copy of the credit agreement for my account under sections 77−79 of the Consumer Credit Act 1974 so I could have a look as to whether I was entitled to any PPI repayment. I opened up my…
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Cashback cards for those without perfect history?
...BR on my file from 2008, defaults are starting to drop off already and I'll be squeaky in April next year. I have: Full barclays current account with £500 OD Flybe card £1900 Creation card £6500 Capital One card £3000 YBS Mortgage ..no cards hold a balance, never used the OD. Anyone? I used the Barclays online checker…
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Change to Aqua full direct debit collection process?
Hi all, Every month, Aqua has taken the full statement balance owed by direct debit irrespective of any payments I have made. Today they have taken £88 of the £138 statement balance, which I assume is becsuse I have previously made £50 of payments since my last statement. When did Aqua change how they collect direct…
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Amend Direct Debit Failed!
Hi, I tried to amend my Credit Card Direct Debit settings almost 10 days ago. Initially my DD was set to pay off the full balance. I changed it to the minimum amount. Unfortunately this settings were not updated from my bank's(Santander) core system. And today when is my CC due date I got Direct Debit Reversal for the…
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Interest Question
Hoping someone a little more knowledgeable than me will be able to answer this with ease... I have two credit cards both have a £0 balance 0 - one was a student card and one I took out to use the 0% when I came off motability and suddenly needed cash for a car of my own + insurance etc. I don't really use them otherwise,…
