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This could be a really silly question but ...
I have a Nationwide credit card that I am going to have to use for a hefty car repair bill - if I were to apply for the Barclay's 29 months free interest transfer - does that mean that I have to give up the Nationwide card? In other words 'close it down'. I do in fact have a Barclay's credit card already but they have sent…
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credit card
I've got a credit card which is 0% on purchases for 15 months. I've only just got it and I'm yet to pay my first monthly bill. There is a balance of £350 on the card and I'm not going to spend anymore on it. The min repayment is either £5 or 1% of balance plus interest. If I were to only repay minimum each month and then…
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clueless on credit cards etc
Hi, I'm totally clueless when it comes to money, banks etc hence I have a credit card debt with Capital one of a £1,000+. I filled in a form for the credit card, so can I have been mis-sold PPI? I dont remember filling anything in for it. And how can I reclaim is so? I'm not very good at this kind of thing, it really goes…
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Minimum Repayments
My partner recently applied for a Barclaycard credit card (I wasn't involved in any of this) and has just realised that the minimum repayment each month is 2.25%. Is this standard? With my credit card for example, with MBNA, i'm paying 1%. She's already completed a balance transfer so she'll have to pay it. Anyway, she's…
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Complete credit card novice - advice needed
Hello all, Completely new to this forum. Any advice would be appreciated. I'm 25 and have never had a credit card before. I've had a student overdraft account and paid that off within the 0% interest time-frame. I'd like to borrow roughly £2K (for a new car) and I don't mind if this is with a bank loan or a credit card…
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Credit card junk mail
Hi everyone, Just needing some advice. I've recently moved and have had some Barclaycard junk mail redirected to my new address. They include in there an application for the card and so my concern is that, whilst I trust the person who has moved there, I'm guessing they could quite easily fill out the form in my name once…
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Lloyds CC deal end date
Hi there, does anyone know when the Lloyds special MSE deal ends for the 1.5% transfer rate please?
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I need a new UPVC front door - help
I need to buy a new UPVC front door, having never purchased glazing before I had one of the large national companies around to quote me, big mistake! Had all the usual tricks - He tried to sell me all sorts of things I didn't want, quoted a ridiculously high price, then rang his manager and reduced it etc etc...So I need…
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Such a thing as too much credit?
I applied this Saturday for an AmEx Platinum everyday cashback card. Got an email yesterday confirming it and saying my credit limit will be £3000. I also applied for a Halifax Clarity purely to use abroad. I know I was accepted but no further details yet, it gave estimated credit limit of £3000 as well at the time. Then…
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Credit Card Interest....advice please
Hi My husband has taken out a very low interest loan (5.9%) to pay off the credit card at 19.9% - of £9,869.96 - which is going to save us a lot of money and also paid off in 5 years (if not less as we can now save some money) ...ok...we paid off our bill we had last month, well within the cut off time in full but we…
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Close the Credit Card?
Hi, Five months ago I got a CapitalOne card in order to balance transfer part of my overdraft debt onto (one of my accounts with and overdrafts stopped being interest free). I've now paid this off, and the 0% ends in January (I think), so I'm not sure it's worth shifting any more. Should I now close this card? I understand…
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Barclaycard - Foreign Cash Withdrawal - this is a bonus!
I am going away and after buying currency etc, I was looking at the best deal on drawing cash abroad, from the cards I have available (Debit and Credit). I checked out what my debit card would cost and stumbled on something completely by accident about Barclaycard, so I asked them online about it. I have the Barclaycard…
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Santander 123 Cashback card question
My wife and I have recently got the 123 Cashback card and have instantly been charged the £24 annual fee. I have set up a DD from our 123 current account to repay the full amount but does anyone know when the £24 fee is refunded? TIA.
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Barclaycard money transfer
Hi all. I have just done a BT from a fairly high interest card to a 0% for 18 months barclaycard. I want to use part of the remaining credit to pay off a high interest loan (there's no early settlement charge). To pay off in the interest free period would still save me £85 a month, and save me paying some of the interest.…
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New to this. Help!!!!
Hi, I am 22 years of age and currently renting a property. I make roughly £19,500 per year before tax and I am trying to settle into the way of paying for stuff!!! As a student I opened a bank account and was given a free overdraft of £1150 ( which of course I maxed out!!!) As I am now working full time I think it is…
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AQUA late payment question
Hi everyone. My girlfriend made a payment on her Aqua credit card in a halifax branch on the 19th, she paid via cash and the bank clerk said the payment would get there on time (21st) as she specifically asked. Today her credit card got declined at a shop so she rang and asked and they said she hadn't paid off the minimum…
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Better card than Tesco?
Is there a better credit card than Tesco for cashback, points etc. given that the applicant is female, 67 and has an income from pensions of £600 per month? And most of the grocery shopping is done in Tesco, average spend on the card £300 per month, not all from Tesco?
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MSE Blog: Can my wallet go digital?
Hi all, this is a thread to discuss the MSE blog: Can my wallet go digital? "My wallet is bursting. Not with cash, but with cards... Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Minimium payment markers..
Hi, I have balances outstanding on 2 credit cards. They have been owing for a while and I have only ever made the minimium payments. I am now in a position to pay both amounts off in full. Looking at my experian report I see that both of these cards have 'yes' written in the minimium payment boxs. Should I make one more…
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Santander credit card limit process
I applied via a secure message to Santander for an increase on my credit card limit.I have used the card for over 7 months. They replied with what looked like a pre prepared answer saying I was not eligible for an increase as I had only had the card for 1 month. They say we need to have the card for at least 6 months. Then…
