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Interest when spending on a balance transfer card.
I'm a little confused about this, I have a Barclaycard with 30 months interest free on balance transfers and 6 months on purchases. It says on this site that if you don't clear the whole debt you get charged interest even if you have cleared the debt from the purchase (as I believe you would pay that first). And…
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New balance transfer application
I wish to apply for a new balance transfer card, naturally I'm wondering about my prospects of acceptance. Now, I *do* appreciate that lenders' assessment of people's prospects will vary according to the individual...but I am trying to work out the influence of two particular factors on my likelihood of success. In…
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Next store card balance transfer
If I get a credit card with 0% finance for however many months then will I be able to transfer the balance for my NEXT and VERY accounts? If yes then how do I go about it? Do I ring the credit card people or transfer it online? They're not credit cards just accounts. Thankyou
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Transfer to the current account
I need some funds urgently in my current account and considering borrowing on my credit cards as I will be able to repay in 6 to 12 months time. I know it is possible to transfer to the current account from MBNA, but I don't have that card. I do have few others though. Is there any workaround to transfer some money to my…
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balance transfer card - refused - next steps??
Hello, Hope someone can help. I have just applied for the virgin 0% bt card and been refused. I did the precheck and it said 90% so thought it ok as I have been scared to apply for fear of refusal - and its happened! I have £2200 on Barclays at 24% and £1200 on MBNA at 9%. Paying minimum amounts on both. Wanted to shift…
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Advice on Credit Card Fraud by F&F
Need some advice... In a position where we have just found out through rec a debt collection letter that a family friend has been paying of a credit card that her sister took out in our name... 7 years ago!! The only resason we have found out is because the family friend in question stopped paying the bill last year hence…
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credit card query
Can you have more than one mastercard?
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Interest charges on closed account
I had a virgin/mbna credit card for a number of years that I was paying minimum payments to every month, on 8 dec I payed off the full balance in a lump sum and phoned the company to close the account, I asked on the phone and was assured the balance was £0 and the account closed. Later that month I got a letter from them…
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Old credit cards
Many moons ago I took out Credit Cards with Frizzell-CSMA. I have not used these cards for years, and do not have any valid cards with a current date. I have searched on the internet, but cannot find any address where I can make contact with, so that I can ensure that my account is no longer active. Any help would be…
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Credit Card for charity to use
We quite often organised summer teams to Africa, and have to pay for flights several months before the trip (and several months before the fundraising has been completed). So typically we might have around £10k against the account for 3/4 months, with minimal use the rest of the year round. What card might suit us best,…
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Balance Transfers -- If I've already had a card with the company
Massive apologies if this has been asked before, but I'm getting all the wrong results if I search the forums :) . I've just realised the 0% has run out on a card of mine, so it's time to move on. However, is there a hard and fast rule regarding getting a balance transfer to a card/company you've already had? If you've…
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Credit cards and death
My dad died three weeks ago, and my mum has received some really quite formal letters, including one from a debt collection agency, for the two credit cards he had in his name (she was an additional card holder). While I appreciate they need their money, and while my mum has every intention of paying it, I wondered if such…
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paying off credit cards
I have stupidly built up a credit card debt of nearly £30,000. I pay just the minimum payment every month,and have never missed a payment, which is costing me a fortune! I have an excellent A1 credit rating. I now have the funds to pay off my credit cards in full. Is there any chance that the various companies would allow…
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Making sure direct debit payment is taken on the correct date
Hi all, Credit card newbie here, I've just got my Capital One Classic Extra. I have set up a direct debit to pay the full amount each month - but I really need that to be done on or just after pay day. When I filled out my application I had to state when my pay day was - can I assume they will take it on that date, or do I…
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HSBC - Credit Card - Nobody listens
Hi - I got behind on 2 months repayments of my HSBC credit card - which snowballed into late payments fees, lots of harrassment phonecalls from their telephone centre in Malaysia at all hours of day/night, weekdays/weekends. I did as wise owl Martin says - enter into conversation with them - advise them of your situation,…
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Insurance claim for malicious damage
The other night some overhead cable was stolen from the road outside our house, about a miles worth. This resulted in a power surge which has "fried" some of the electronics in some electrical equipment in our house. Our insurers, Lloyds TSB, have said our policy does not cover this as we don't have Accidental Damage…
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Improving Credit Score - Aqua Advance vs Capital One Classic
I have recently checked my credit scores and according to Equifax and Call Credit it is poor but with Experian it is excellent. I had a credit card when I was young (and stupid) and I defaulted in 2009 and settled in 2011, and haven't had any credit since which is obviously affecting my credit file. Me and my husband are…
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Missing fuel points for Tesco Clubcard Credit Card
Has anyone else noticed that they are missing points from Tesco petrol stations? The Clubcard credit card site states: Tesco fuel - 5 Clubcard points for every £4 you spend (excludes Esso Fuel). This breaks down to 1 point for every £1 you spend on fuel, plus an extra 1 point for every £4 you spend (as with all Clubcard…
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Improving Credit Rating and Experian Data Missing
Hi All, I have a couple of questions after receiving the code from Experian today for my latest credit report. The first one relates to data on the report. Firstly, one of my bank accounts (a Halifax Easycash account) doesn't even appear. I haven't used the account for a while - it just has a few quid in for emergencies…
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Halifax/Llyods Credit Card
Hello, I have a Halifax Clarity card that I use for travelling. I noticed Halifax are doing a 15month 0.8% balance transfer card which would suit me. I asked in branch about it and was told I can't have two credit cards at the same time with Halifax. Llyods are doing the exact same card, same deal and I was wondering does…
