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Balance Payments or Close Account?
Hi guys, Just need a quick bit of advice regarding my CC situation. I currently have 4 credit cards, two of them have zero balances. One of these is a Vanquis card and the other is a Barclaycard. What I want to know is what's the best thing to do to improve my credit rating, making the odd purchase on both these cards and…
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MBNA 'additional payment' Problem
Hello First time poster longtime lurker in need of a little advise please I have an MBNA card which I have been making additional payments to as well as the minimum. I was looking to pay a little more when I made the following discovery. Every time I make an additional payment, they reduce the amount taken for the minium…
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Should I Shuffle?
I currently have 3 credit cards – with HSBC, Barclaycard, and M&S. A couple of years ago I had issues with paying my credit card bills and often defaulted. It didn’t get as far as CCJ’s or anything, but due to this my credit rating is not great, and for a long time all I was able to do was make the minimum payments. In the…
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Lloyds Bank credit card mess up DD
Hello all, Just a note from a unhappy experience. As background, I have been 'doing' 0% stoozing and good credit card use for years (about 9) and this is the first time this has happened... Long/short is: Lloyds 0% BT offer expired this month. They did not take the last minimum direct debit payment (just before the 0%…
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What is wrong with halifax ?
I have never been rejected the credit card with any lender but when ever i apply with Halifax which is my main bank they always reject me. Dont know why is that ? My salary also comes into my halifax account but i transffer it to my other account and left little into it. Any Advice.
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0% 18 month
I'm looking to make a one off purchase of £3000. I've been looking at the Tesco 0% for 18 month card. I was hoping to make the one off payment, cut up the card and pay the 3k off in 17 whilst its 0% months with monthly direct debits of about £180 - which I can happily afford. Scrolling through the cards terms, it says -…
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Ex partner stole money via old DD on Credit card
I'm currently at a loss and am hoping for some help / advice please... Amount taken: nearly £11,000 From Feb-Dec 2013 By an ex partner via an old credit card We had a joint bank account and two separate credit cards with the same bank. The balances were paid off each month by direct debit from the joint account. During our…
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Best 0% credit card for cash
Hi. I'm not experienced with credit cards and looking for someone to give some advice if possible please. I would like the best/longest 0% interest card available that allows me to withdraw cash. Do they all allow you to withdraw cash or is it only certain ones? Would appreciate if anyone can help...thanks.
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Travelling
Can someone help me, I am going travelling and would like peoples opinions regarding getting a credit card. I have savings for my trip in my bank account, am I best to use my visa debit card for all my spending and get a credit card for emergency use, or have a credit card and use it for all my spending and set up a direct…
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Under paid credit card in error
Hi, new to this please go easy. I paid my credit card bill on time but in error I underpaid by £3.00!!, I corrected this the following month but having just checked my credit file I now have a 'late payment' on record. I have never missed a payment or under paid in the past and I'm worried that it will have a terrible…
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Halifax Card and paying in Yen (Japanese website)
Hi I got accepted for the above card recently. I was going to use it to pay for a memory card from a Japanese website as it is one of Martin's recommended cards for spending in foreign currency (no loading on the amount paid or other hidden fees). Got to the checkout and they are putting up the currency in everything but…
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Clarity Card
Hi, Just got this card so yet to receive a statement, but was wondering does anyone know if I wanted to send a faster payment to the card which sort code and account number to use? I'm guessing in the reference fields I'd just put my card number. Thanks
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0 percent. next move?
My Barclaycard 0 percent finishes in March 5k limit, paid it down to 350.quid, Is it worth switching it to my other cards; virgin or Halifax Who both have balances on Halifax 250, virgin 1844 But have 0 percents until march 2015 and December 2015 Or if I leave it will just revert to a standard card, I'm a bit confused On…
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Are retailers breaching merchant rules by imposing minimum spend to pay by card?
I have heard retailers are breaching merchant rules ( for Visa & Mastercard) if they impose charges or a minimum spend for card usage. Is this corrrect or are there loopholes?
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World cards
I've a Capital One World MasterCard but wonder if it's the same as the Capital One Aspire Elite Mastercard? Difficult to compare are the one I have now is a former product.
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default charges
hello everyone, just wondering if you can still claim back default charges from credit cards? regards Eddie.
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Halifax mastercard
Hi Just got a Halifax Mastercard as Im going on a trip to New York next month and was planning on using it for my purchases as there is no foreign fee. The card terms state that I will have to pay interest from the first day however my question is this Currently there is zero balance on the card, if i were to make a…
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Euro credit card or prepaid credit card
Hi all I am a UK expat working in Belgium. We do not know how luck we are in GBR having free banking, over here they charge and even charge for credit cards! Fortunately I have do not have to pay for my banking due to a perk at work but I really could do with a credit card or a pre-paid card as I don't fancy wondering…
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CC to fund purchase of car - advise
Currently looking to purchase a car (Private Seller) for between £1k to £1.5k using a CC - as this will require cash I am looking at a card which will allow Money Transfer transactions with a 0% period of 14 months+ Using the Eligibility Check I think that the MBNA Platinum is my best option. Does anyone have any…
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Balance Transfer with Tesco
Hi there Has anyone had any experience with transferring a balance onto a Tesco card from a CC where they are not the primary cardholder? My Dad has kindly taken out the 29 month 0% balance transfer card with Tesco to pay off a debt on my MBNA Credit Card (the debt actually belongs to my sister), however they asked if he…
