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Credit Card advice
If someone has an Republic of Ireland credit card. They move to the Uk. How do they carry on paying their monthly payments, from a uk bank account? I understand you cant do a balance transfer from R O I card to a UK card! Any advice greatly recieved! Thanks
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Balance Transfer Fee Refund
Hello, I recently applied for a Halifax All in One Credit Card and did a balance transfer from an RBS Credit Card. I was advised that the balance transfer fee is 3% but they refund part of a 3% fee so overall a 0.8% fee is payable. This balance transfer has been completed and I have been charged 3%. Does anyone know when…
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Debenhams Credit Card
I have had a Debenhams Credit Card for years and as with all my credit cards pay the full amount off each month. Since Santander have taken over for payments I have received two late payment letters for which I have had to pay £12 on top of the interested added (the latest one was 54p interest but £12 letter!) The first…
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Mail
Put this here since it involves a credit card, but not sure if there is another thread / topic it would be better on. Today I received a statement from Nationwide, which is the first I've had since I opened the account: I have been Paperless for 18 months and haven't had a statement in 18 months. For some reason, this…
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Changed computer
I wiped my computer and installed Windows 8.1 and tried to access my wife's credit card account online. It won't let me as it doesn't recognise my computer. I tried re registering. The same. Phoned their help line but the customer rep does not think I am the customer so won't help even although I know all the relevant…
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AQUA Credit Card - extra interest of £26.78
Hello, I had an outstanding balance on a credit card of £996.94(apr 49.9%) on 18 sept, I paid just over the minimum payment £50 on 26th sept (it was due on the 30th) then had a stroke of luck :) and managed to get the funds to clear the entire balance 946.94 a couple of weeks later on 7th October. However I have just…
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What is Standard purchase interest in laymen's terms?
Apologies in advance if this is a repost but i did have a quick search and I'm pushed for time so I'll take the risk of submitting a frequent question in light that I'll no doubt forget to post at all. I have a Capital One CC, it's the 36.9% APR one if that's information that may be of use? Out of my £1250 limit i have a…
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Received a letter out of the blue from HFO Capital
Not sure if I am in the right place. I received a letter today from HFO Capital regarding a Barclaycard debt I ran up about 10 years ago. I was young and naive and ran up the debt which wasnt sensible. I had Barclaycard on my back for a while but it all went quiet and then another company contacted me saying they had taken…
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Shopping online with a foreign currency
I have been looking at ways to shop online where it is necessary to use a credit card number and pay in U.S. dollars. All the advice I read is for people using cards abroad and I assume that is the same as shopping in a foreign currency from the UK, is there any difference? I found out about Halifax Clarity card on MSE and…
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Denied Santander Credit Card Due to Employee Error
I've just recently moved to Santander from Halifax using their switcher service to try and take advantage of the 1-2-3 Current account and matching credit card. I went into my local branch to talk to an employee and have them walk me through the process of getting everything switched over and close my old account with…
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Transferring to 0% balance - the mechanics
Hi, sorry to ask a simple question but I know this is the best place for it with all the money gurus around! If I apply to transfer a balance to a new card with a 0% balance - does it automatically close the old one or can I keep that one for subsequent purchase? Thanks very much!
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CC company sent a letter!
I did an on-line zero rate balance transfer from one of my CCs and when I checked a few days later nothing had happened so I telephoned them to find out why. The call centre lady said that there was a note on the file to say that they had not done the transfer as there were insufficient funds as I had to allow for the…
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Best credit card to get after bankruptcy
Hi. We were made bankrupt in 2009, and discharged in 2010. We will be clear on our credit file in 18 months' time, and thought that we would start to try and apply for credit cards, so that we could build up a credit rating. I have been approached by Vanquis to apply for one of their cards, but had heard that some of these…
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Aqua Credit Card
Hi guys, first post here! So approx 1 week ago i applied for one of the high APR Aqua credit cards in an attempt to help build/repair my credit history. The inital online application said that further checks would need to be done and that i'd hear something back through the post. Well yesterday i recieved a letter with my…
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How many credit cards should I have?
Hi, Until very recently I was servicing debt on two Barclaycards (one used to be Egg) of just under £10,000. My partner recently got a large inheritance and has cleared that debt for me. I am very lucky in that regard and it's a huge load off. That's by the by though. My question is, now that I have them cleared I have…
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Tesco Balance Transfer Credit Card
Hi, Recently set up a card for this, first one. However, my partner decided to use this shared card for a gambling transaction. Now I know they are now classed as 'cash-advance' transaction, but I was wondered if once used this effectively rules out the 0% on all purchases for 3 months perk of the card? Or seen as it is…
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What do uni students need to know about money?
I've been asked to give a FIVE minute presentation :eek: to some first year uni students on money management. What do you think are the key points that I need to include? Student loans? Bank accounts? Credit cards? Overdrafts? Mortgages? Being responsible? Finding bargains? Not sure where to start, so your help would be…
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Is this normal for Virgin credit card?
Applied for a Virgin credit card on the 2nd. Called today for status and automated system told me something along the lines of "all our applications are looked at by financial experts and we expect to make a decision on your application within 3 days" - is that a standard message does anyone know? I ask because the online…
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Fluid balance transfer CC
I've just successfully applied for a Fluid Balance Transfer credit card - does anyone know if I'll be able to transfer funds from my husband's (non-MBNA) credit card over to the Fluid card please? Thanks!
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Credit Card debt help
I have someone that owes £7000 on their credit card. Their minimum payment per month is around £150 but they are paying just over £200 per month to try and clear it. They are a single parent so any advice on how to clear this quicker would be very appreciated. Ian:(
