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balance transfers
if you have a 0% balance transfer on a credit card for say 24 months do you have to wait for the 24 months to be up before you can transfer your remaining debt to another 0% card or can you do it after say after 18 months ?
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Can you transfer between Lloyds cards?
I have a Lloyds BT card which has ended. I want the new Avios cards. Can I transfer between products and still get the welcome bonus and 0% purchases? Or is it better to cancel and reapply (how long to wait in between?) As my income has doubled since I took out the BT, I would like a bigger limit too which may not be…
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Mistake booking with credit card
Hello, I made a mistake booking of a hotel through booking.com for £135. Unfortunately, it's non-refundable; however I did use my credit card. I've rang my credit card company (Halifax) - they're unable to do anything until a charge is made to my credit card. I expect this will happen in the next few days. The reservation…
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How do I activate my Halifax Credit Card Online
Hi As above. My card gives out a web address on the card or to ring a 0845 number. (it wont let me post the web address name here because I am a new user) I never use www when searching via Google as keywords are normally enough but I'll be damned if I can find where on Halifaxs site you are supposed to go!! I am already…
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Balance transfer query
Just want to run something past you I would like to make a purchase on my credit card then apply for a 0% card and balance transfer to new card. However I. Just a bit bothered I will be declined for new card after already making purchase on existing card( although I don't think I will ). Can I apply for the card first,…
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What is the point of American Express cards?
American Express cards. They're not accepted in that many places and yet they still exist, still have heavy promotion, and people are clearly still getting them. Why? OK. So they have rewards but then so do a lot of cards. Why do people go for American Express rather than a bank and Mastercard/VISA? A lot of American…
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Local Travel Agent and paying deposit with credit card
I booked a holiday with a local travel agent and paid the deposit with a credit card as they have no credit card surcharge on deposits. Of course they have a 3% surcharge on the balance when paid by credit card. I suppose they have to make a profit somehow. So I intend paying the balance in cash, 290 £10 notes withdrawn…
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How do I find?
I'm looking for some guidance folks. I think I may have had PPI on two "extinct" Credit Cards. One was a GM Platinum card, the other a MINT card. The GM card was current around 2004 and the MINT card from 2004 to at least 2006. I have the card numbers in both cases, but haven't got the T&C's. Can anyone give me a steer to…
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Do you think my plan to avoid overseas credit card fees will work?
This summer I am travelling to California and St Lucia. I have seen that the Halifax Clarity Credit Card has no usage fees: No cash withdrawal fee No fee to use it anywhere worldwide No annual fee My plan is to bring only this card, and use it to take out local currency from an ATM once I am there. The obvious pitfall is…
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How long to wait after cancelling a CC to apply again?
Hi to everyone at the MSE Forums! I recently visited my local Halifax branch to obtain more information on the Halifax Clarity credit card and to make an application should it suit my requirements - which it does. Unfortunately, as I already have a Halifax All-in-One credit card I was unable to apply unless I cancelled my…
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Petrol station took 10x payment, CC won't refund
Hi there, I recently put £10.20 of fuel into my car from a jet station, I didnt fill up as I had a discount voucher for a supermarket and only needed enough to get me about until I was passing it. When I checked my credit card statement a week after I realised that the petrol station had taken £102.00. I phoned Santander…
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Barclay card
I am thinking about transferring my present credit card debt to a Barclay card low interest one, how will I know what apr I will be given when the 0% period ends without applying or if I apply and are given a high apr can I just cancel the card? the paragraph below is pasted from the web site You pay interest when the 0%…
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Eligability checker tool - wrong
Hi there, can anyone shed any light on this? I used your Eligability Checker Tool to check my eligability for the 15mth 0% interest on purchases credit cards. Then I applied for said card with my own bank of 14 yrs Natwest - which was scored at 90% liklihood of eligability - and they refused my application. How does that…
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Pay CC with another CC?
My wife got a CC which we are transferring/paying all our balances onto (0% 30 month barclaycard). All done expect i have one remaining card (2k) which is also a Barclaycard. As its not possible to transfer balances in this situation is there anyway of getting round it?
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guaranteed acceptance from Santander 29 month 0% card
Hi after some advice please.... Received a letter from Santander offering me guaranteed acceptance on their 0% for 29 months BT card. We are tackling our debts this year and I currently have 3 active Credit Cards all on 0% paying a bit over the minimum - total is £7619 on my cards. I also have a LLoyds card with 0 balance…
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New to CC
Hi there, I got a credit card to start me out with Aqua, I got a £300 limit and spent it throughout the month on generic daily stuff. I got the first statement in and it says the minimum payment is £15.32 and estimated interest is £6.44 if I recall. I plan to pay the entire balance so am I right in thinking I will not be…
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Do I need a credit card? What are the benefits?
Hi all, I have been dabbling with the idea of getting a credit card but I keep coming back to the 'What is the point for me question' I don't understand them at all, maybe that is a sign I shouldn't get one. I only own a debit card. So what exactly is the point? It just seems like a debit card that you have to pay interest…
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Decline or not?
Hi All, I have a Platinum Barclaycard with a current credit limit of £3900. It's my only credit card. Within the last 18 months this has been increased twice by Barclays (I started at £1200) but it has been over 6 months since this was last increased. I've currently got about £3500 on the card, but pay off roughly £500 per…
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Transferring loan and OD to a credit card... Help!
Hi, we have 2 overdrafts and a flexi loan which we seem to pay quite a lot of interest on. I was wondering whether we can transfer these to a 0% creDit card. I have heard of transferring balances from one credit card to another to keep a low interest but didn't know if it was possible to transfer other debt to credit…
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18 mths 0% credit card for one off purchase
Hi there, I want to make a one off purchase of £2000 which I can pay back in a couple of months. To do this I want to get a 18 or 15 mth 0% interest credit card (instead of being tied into a loan). My question is: will a card company (who I've probably never dealt with) let me max out a card on a one-off purchase? Also…
