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Vanquis card
Hi All I have around £670 (limit of £1000) on my vanquis card at the moment, Im paying it off bit by bit but plan to make bigger payments now Ive sorted things out. However what I am wondering is if there is a suitable card out there which might offer a lower interest rate for a balance transfer but is suitable for those…
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Problem with online payment to Aqua.
I have been trying-for the first time to pay Aqua online. My bank is Barclays. When I type Aqua in as the payee it predicts the rest of the details. It fills in the sort code and account numbers, both of which are wrong. They must be the old details. They are not the new ones shown on my Aqua statement. The trouble is that…
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Halifax Clarity card
I can't get a sensible answer from Halifax re their Halifax Clarity credit card (which MSE says is the best card for spending abroad). All I want to know is: if I make, say, a £200 cash withdrawal abroad, using the Halifax Clarity CREDIT card, and then log in to online banking a few days later and pay back the full £200,…
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Cancelling CC and re-applying for new one with same company
Is there a general rule as to how long after cancelling a card you can apply for a new one with the same company to get the benefit of balance transfer offers? I am specifically looking at Barclaycard and Sainsburys. Thanks
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How hard is it to get an Amex?
Out of curiosity, how hard is it to get an AMEX card? Also is there no chance if you have an income of less than 20k?
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Need to borrow 10K credit card or personal loan
Got car issues, its dying fast. Need to purchase a decent car, have savings circa 3K, but need to borrow 8 - 10k to top up cost. I tart regularly with balance very small, pay regularly and have a good creidt rating. Current card 0% interest for 12 - 15 months, want to pay in lump sums over a 3yr period. Should I credit…
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Which one should I pick?
Having been persuaded to the benefits of a credit card I have decided that I would look into it. There are many different types of cards and I currently need some help in plain english explaining what each of them do. I do not plan to spend excessively and I wish to set up a direct debit to pay it off every month to avoid…
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To balance transfer or not
Hi All, Sorry if I'm asking in obvious question I'm new this place. I have two credit cards with money owed on them. Tesco Credit Card £4.5K Limit = £2384.15 (Got 9 months interest free left) Barclay Credit Card £6.5K limit = £4135.50 (Currently paying interest @ 18.7%) I've set the Tesco card to minimum payment to pay off…
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Two Cards Too Pay
Hello, as the title says I currently have two credit cards. Both cards are capital one, capital one classic card and capital one progress card between the two I have roughly £1000 to pay off. I only work part-time so am struggling to pay off the two cards (interest and minimum payment equal what I can pay) Due to this…
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Can I pay my rent using a cashback credit card?
Hi everyone I realise that there's no such thing as a standing order for a credit card, but I'm looking into getting a cashback credit card and was wondering if it's possible for me to use it to pay my monthly rent to my landlord, ie to max up the amount of cashback that I can earn? How could I do this? Any thoughts…
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Loads of credit cards!
I have about 4 existing credit cards and have just successfully applied for a Halifax Clarity Credit Card. However 3 of my existing credit cards I haven't used for years as I've forgotten my PIN number. These cards though are 'active' but have 0.00 balance on them. My other current 'daily' credit card actually has a small…
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10 year old credit card debt
Hi, my first post on here, hoping I can find someone who had perhaps had a similar experience and how they got out of it! Ten years ago, maybe even 11 years ago, I took out a credit card with Alliance and Leicester, and managed repayments perfectly well since I was employed full time. Then was made redundant. I phoned A&L…
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Amex Customer Service / Problems
I got the Everyday Platinum Cashback card recently. I noticed it wasn't applying the 5% bonus cashback, which it should for the first three months. Only the standard 0.5% I gave them a call, they said it should show as im going along and it was a technical error so they would get it fixed. I phoned 10 days later, then the…
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When to pay credit card?
I used my new select credit card a week ago and it says on my online banking that payment is due on 7th Feb but balance £0, next statement 21st Feb. Does that mean I can wait until I get my statement dated 21st Feb before I need to make a payment or should I pay the balance on 7th Feb?
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Setting-Off when the bank has sold the debt
I have on old credit card debt to RBS from about 7 years ago that was defaulted and sold to a debt collector. I am and have been paying this debt collector ever since about 2010 and have another year or so before its cleared. The default has dropped off now. However I have an account with Natwest (who are of course part of…
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Balance Tranfer problem with Amex 15 digit card no.
I'm trying to transfer my existing balance from Amex card to Halifax but they can't do it because Amex card has only 15 digit card number while the standard card number is 16 digit. I did it both online and call customer service but no luck - they said I need 16 digit number only! Does anyone have the same issue and how…
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Can Balance Transfer Cards Be Used For Multiple Transfers?
Hi, I am looking at consolidating my debts (overdraft, credit cards) on to one single Balance Transfer card; providing I can get one of the cards with around 2+ years interest free. What I want to double check before I go ahead is that I can make maybe 4 transfers during the introductory rate and then have all that debt on…
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Issue with PayPal or my credit cards?
I'm trying to buy something for 211 euros on ebay paying through paypal. Normally paypal lets you pay in the non-GBP currency so that your card issuer does the conversion which in my case means 0% loading fee as i usually pay by clarity mastercard or lloyds avios amex or mastercard. But for someone bizarre reason today,…
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Late payment cahrge on 0% interest card ??
Hi All I have ALWAYS paid my cards of in full each month, however last December i had cashback on a Barclaycard at 0% for 6 months and had the small interest cahrge added to load amount. I was informed on the phone that i would not have to pay ANYTHING for 6 months. I have just had a letter stating i have a charge of £12…
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settling credit card debt
just settled some accounts. Must say Barclay card were ace. account was upto date etc they gave a gesture of good will and allowed me to settle. HSBC on other hand.. What a joke. Been paying an account for many years (12 years in total and only been late a few times. )balance is interest and they said that should I only…
