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0% Balance transfers on cards used for purchases
I was recently offered a 0% balance transfer deal with a 3% fee on my Lloyds Avios Amex card. I use this card for all my purchases and then pay it off in full every month to keep it interest free. Thinking this was a good deal I moved some money over from my Amazon Mastercard. Having spoken to Lloyds I now realise that if…
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is nationwide soft check accurate?
I did a soft check and it came up with £1800 limit at 18.9 apr. does this mean I would be likely accpted or is there still a good chance that after doing a full search it could still decline? Its slightly misleading if so as it makes it seem that I am offered that and if I choose to accept then it will leave a hard…
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PayZone
Having failed to obtain any answers directly from PayZone, I'm hoping that someone here can offer some insight in to how this company operates. I use PayZone (PZ) to pay a few bills, as I'm sure do some of you. My problem is that out of all the bills I pay, there's only one company that charges for this service. I refer to…
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shopper discount.co.uk
the above people have been taking £10 a month from my credit card account. I have seen another post on this subject there the poster said he phoned them up and demanded his money back and he got it. Unfortunately for me his post has been closed I wanted to ask for the phone number. [TEXT DELETED BY FORUM TEAM] Does anyone…
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Cash interest caused me to go £1.59 overlimit (Vanquis)
Hi, First time poster, but unfortunately i dont have a happy story to tell (typical right:D), atleast not from my side. Well, ive had a Vanquis account for well over a year now, but have very rarely ever used it- ive actually used it for maybe 4 or 5 months in that period- which is nothing really. Anyway, i used it last…
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argos shopping acc apr being increased to 34.9 from 29.9 as credit rating changed
Hi all just had a letter _hubbys card that above is going to happen can either continue using acc at the new Apr or if not let them know by opting out no later than 27.12 then can continue to pay at current rate but card will be suspended and will not be able to make further purchases once bal is cleared card will be…
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Bailiff letter re warrant advice please
I read these forums a lot but need a bit of advice that I can't find any answers too. In a nut shell, 6/7 years back a ended up in a lot of debt at college that I couldn't cope with. Gradually over the years I have started to attempt to settle some of my debts, which are still considerably higher than I can cope with. I…
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which card for first time applying but low income?
hi I have just found out that to hire a car abroad DH will need a credit card. We live on a cash budget as far as possible and DH has never had a credit card. I do have a credit card which i got when i was employed (i am now self employed) but the card is only used for on-line purchases and is paid off by direct debit each…
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Automatic Credit Limit Increase
Hello all I hope I am posting this in the right forum (never a good start to a thread!). i.e. in Credit Cards rather than Credit Score. Barclaycard have increased my credit limit automatically along with upgrading me from gold to platinum My question is, will this affect my credit score and to what effect? The reason for…
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Credit Card help
Hi, I purchased a house at the end of last year. Yay for me! I got a tesco 14 month 0% interest credit card to purchase sofas, curtains etc and have been for the most part paying it off as much as possible. The credit card expires in January and my calculations show that I will still probably owe around 2k. I can pay it…
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Turned down for two 0%APR credit cards
I thought my credit was fine, so I used the wizard on here and it gave me 2 options (both said people who earned what I earn had a 40% chance of getting the card). I was turned down for both options! I paid the 2 quid for the credit report and other than a 'Settled' payment with my phone contract and the fact I'm not on…
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Barclaycard balance transfers
Just started paying interest on a card that had slipped my mind...dont usually do credit anymore so this is the only one I have. It's with Barclaycard, I have both Nationwide and Lloyds cards that have no balance on them. Can I call them and haggle for a 0% transfer or would I need to look at another provider or a new…
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Does anyone know the sort of credit limits Tesco gives out?
Does anyone know what sort of credit limits Tesco puts on it's 18 month 0% card? Basically I want to buy a car and stooze the balance. I already have two credit cards, one aqua (reward card) with £500 limit and M&S with a 4K limit (no longer interest free). Ideally I'd like 8 - 10K but don't really want to bother applying…
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how long and how much to pay off 1400 debt. stressed
I currently owe 1400 to customers on paypal for ebay items which were sold and now need to be refunded. I since spent the money. I am worried sick about this and its keeping me up all night thinking what im gonna have to do. I currently earn 984 a month after tax etc. After bills I have around 400 to myself I want to get…
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Credit Card purchase protection
Hi, We have paid the deposit for some doors to be replaced and fitted. The doors and fitter turned up and to be honest the doors are of dubious quality. We have sent 6 of the 11 back. We have three fitted which after the event are rubbish too. Now I was wondering if the Credit Card company will give me my money back as the…
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Student Credit Card, yes or no?
I get paid weekly, so if I want to buy something a 7 day wait is not bad at all and I don't mind. The only reason I'd actually want to get the credit card is that I've been told it would be a good idea to get one now and boost my credit rating as it might save me money in the future etc. I don't understand credit ratings,…
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Tesco's credit limit charges
Hi I am querying the charges made by Tesco's when I go over my credit limit on my credit card. I have set the limit so as to manage my spending but towards the end of the month it tends to go over. Now Tesco's allows me to make a transaction that takes me over the credit limit and then fines me £12. Then does not allow me…
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Help please MBNA
Can someone please help me? I have just been sorting out all my creditcards out and got a loan to pay off all balances in full however... Paid 1 MBNA card off the next moth they charges me interest so contacted them they said it was a error and refunded (ok good) Paid my other MBNA card off in full and same thing happened…
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Mystery of credit scoring
Hi ive been a regular follower of the forums for a while first time posting however, Im 22 years old with a mortgage with the halifax, i have a current account with halifax with £1000 overdraft, a jacamo account with a 500 limit, 2 telephone contracts for work and social in my name never missed a payment on any credit…
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applying for a credit card abroad
hi people, im currently in new zealand and need to do a balance transfer from my natwest credit card which i have 2700 on. i have a nationwide credit card but they will not give me any free months interest, they will only give me a low interest rate of 7.9% for 12 months don't know what the best thing to do is??? can i…
