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0% Credit Cards vs Savings
We have just been given an amount of money that would clear our debts (very lucky people I know). However, all our debt is across 3 0% credits cards and we have been transferring between cards for a number of years and slowly but surely reducing the balance. Are we better off continuing to pay off the balances and…
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Argos Credit Card Help
Recently i went into my local Argos store with the thought of picking up a PS4 using the Argos Credit card with the view to pay the £399 over the 6 months they give you. After she explained all the bits and bobs, she asked me for my address and my debit card details, i gave her both without hesitation, she continued to…
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Shall I close it or not?
I am going to University and will hopfully get a PT job, I currently have 2 Creditcards; Barclaycard Platinum @ 21.9% - £2400 Limit Nationwide Select CC @ 15.9% - £1500 Limit I currently have £1100 on the Barclaycard on 0% until August 2014 (hopfully pay it off in full by then) £0.00 on the Nationwide CC. Shall I keep both…
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Credit Card Interest
Hi, I recently came into a bit of money and decided to pay my debt off. :beer: However, with Credit Cards I assumed that if the balance was paid in full before the due date that was it, no more interest? My Capital One was paid off and I received the latest statement no more money due, completely paid off. However my…
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NatWest: Direct debit takes payment 10 days before due date
I pay the full amount on my NatWest credit card by direct debit every month. Natwest take the money from my current account ten days before the payment due date, and despite speaking to several members of NatWest staff I haven't received an explanation of why they do this, other than a) they've always done it and b) it was…
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Authorisation holds
How long does an authroisation hold take to drop off an account?
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Smile SAR request
Hi, I recently sent off a SAR to Smile requesting details of everything they hold in relation to my credit card account with them. I specifically asked for - amongst other things - details of all communications between us, including records of telephone calls between us and the messages sent within their online banking…
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I'm in credit.....not sure what to do
I recently received a refund from a retailer to my M&S credit card. I had already paid off the balance on the credit card the previous month and as such my card is now in credit by a significant amount. I could really do with these funds elsehwere and would prefer not to have to use this card all the time until the credit…
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Credit cards for self employed
Anyone have any advice on where is the best place to apply given that I am self employed. My credit rating is good but I know a lot of companies charge ridiculous interest rates.
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RBS credit card repayments horror
My first post so apologies if this topic is covered elsewhere. Am paying £200 a month via standing order on an £8900 credit card balance. Account hasn't been used for two years as just want to pay off balance. But about £145 of the £200 is taken as interest so only £55 is deducted from the balance each month. This seems…
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Which CRA does MSE eligibility checker use?
I know MSE uses HD decisions however does anyone know which CRA(s) they search?
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MBNA Plat application issues ...website down??
Anyone had an issue applying for an MBNA plat card? Been trying since yesterday and the process appears to freeze at the point of submitting the eligibility check...tried on Google chrome browser, IE8, couple of different PC's, phone, tablet...all see the same issues??
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Inland revenue taking 3 days to clear Billpay tax payment
I paid my Inland Revene self assessment account on line today for the first time (Usually I do my return just after Christmas but I was struck down with flu this year so am running late.) On the HMRC site it said you could pay online with a debit card using BillPay/Santander but it would take three working days to reach…
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Good Idea to Boost Clubcard Points with Tesco Credit Card?
Hi I just had an idea to boost the number of Clubcard points on my Tesco credit card. I've asked family member, when they are purchasing any high ticket items, e.g. holidays etc, to use my Tesco credit card details (providing they pay me back!) Cheers PennyPincher3562
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If I Already Have A Halifax Credit Card, Can I Also Apply For A Halifax Clarity?
Getting mixed reports regarding this question, was wondering if anyone could shed some light on it. Currently have a halifax mastercard, was told by halifax i can't have a the halifax clarity as well as my current card! Is this the case?
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New cashback/reward credit card
Well now that my aqua card has died I could really do with another credit card giving me something. Just been declined for the amazon one as I'm a student, and they've said that'll be the same for all MBNA cards (fair enough, though they could have told me that before doing a credit search!) and I currently have the old…
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cancelling credit card to get a new 0% deal
Hi all, I have a tesco credit card with no balance outstanding. My 0% interest runs out next month. I would like to have a new card with another 0% deal. Is it just a case of closing my account and applying for a new 0% card if so do I have to wait between closing old card and getting a new one?
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New Credit Card???
What is the name of the new credit card that Martin Lewis mentioned about on ...I think it was " This Morning's" Programme approx 2/3 weeks ago...for people with bad debt????Havent seen it advertised ....i dont think on TV.
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Halifax - losing proof of id
Hi all, Has anyone else had trouble verifying their ID? Applied for a clarity card online and was asked to take proof of ID into branch. Have done this twice now and neither sets have made their way to head office. This is becoming far too hard task - may just have to try elsewhere at this rate. cheers
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"Overpaying" credit card with low limit for large purchase?
I have a graduate credit card with RBS with a £500 limit, which I pay off in full every month. I am hoping to book a holiday next month, and the combined bill for flights and accommodation will be £600 at least. I have this money in my current account, but I'll be booking the holiday online so would prefer to use my credit…
