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use balance transfer to pay off overdrafts ?
just got the 0% 33months barkley card, would it be a bad idea to also clear and get rid of my overdraft? currently costing me £34pm
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Slightly confused...
Hi guys, I was wondering if anyone can help... I've just applied for a MBNA emirate card as i'm planning on going traveling at the beginning of next year and flying with Emirates :T I got to the end and they advised that they can't give a definite answer now but they will contact me in 7-10 days, I understand that this can…
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Third credit card - good or bad idea?
I've had a credit card for a couple of years now. Then a couple of weeks ago I applied for a Tesco credit card, was approved instantly and received everything this week. Today, after reading about making more interest in a current account than in an ISA I opened a TSB plus account...again was approved straight away and now…
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conditions for £20 amazon voucher on Aqua
I applied and received an aqua award card using the moneysavingexpert link which promises £20 amazon voucher. My question is: what are the conditions for the vouchers to be sent? I believe it says there is no missed payment, but there is nothing which indicates that I have to use the card at all... My question is…
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Being changed a Barclaycard Platinum
Hi I am just checking something with you fine folk. I have had a Barclaycard for many a year, it used to be an egg card. I have just recieved an email saying that my card is being changed to a platinum card, as my current card is no longer available and I cannot opt out of this. I spent years owing £10,500 at 29.9% and…
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Chargeback for non-Delivery
Hi Just wondered if anybody knew how long Barclaycard will expect me to wait for an online delivery before instigating a chargeback. The order is only 2-3 days overdue so far but the lack of response to phone/e-mail makes me think I should be prepared. I ordered a £25 lock from hardstore.co.uk on Sunday. According to their…
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Santander123 credit card 3% cashback query
I am aware that the 3% cashback is valid on fuel and transport and is a subject to a cap of £9 each month. My question is what this 'month' means? Is this a calendar month or the billing period month? Anyone sure about the answer? Tried to look into the T&Cs but can't find anything specific mentioned apart from saying…
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Halifax decreasing CL
i have a Halifax card with a BT balance on it, which runs until Feb2016. good deal on the account, but the limit was only £3500. they edged it lower, to £3450, and have now edged it lower still, chasing the minimum payments down to £3350. this isn't a problem...all i plan to do is clear it at the end of the 0% deal & then…
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Cancelling a card to improve credit
Hi guys, Long time lurker, first time poster. Just looking for opinions on whether to cancel a credit card or not, I tend to get conflicting answers when I’ve done my own research, so thought I’d ask you guys. Bit of info about my credit in case anyone cares... No missed payments in 4 years and recently taken out an…
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Best way to Improve
Hi, I have a shot credit rating and have resorted to a Luma Credit Card... £200 introductory limit. My income is high and my disposable is just as high, so i am wondering which is the best way to go about improving my credit rating 1) Keep under a certain % of the available limit and pay less than the full balance, giving…
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Pre-paid Euro Card Stolen
Morning, Wasn't sure where to put this as I can't see a specific forum for it. I ordered a pre-paid card ahead of a holiday next month. Loaded it with £1000 (1221 euros). I haven't actually received the card, but this morning had an email with a number of transactions totaling the entire amount on the card. Luckily all…
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Credit card without being on electoral roll?
I already have a credit card. However, I think I got during a period of time when I was on the electoral roll. The landlord put my name down as I'm a refusenik when it comes to these sort of things. I want to apply for a second credit card, with a different bank that I have a current account with a overdraft that was…
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Aqua - Fraud and phantom default
My current issue: Aqua/Experian have incorrectly labelled an old CC as being in default (£400+). The card was used fraudulently, the balance cleared and a new number issued. I have statements showing that the account was settled (ZX code). Aqua have insisted that I pay for a copy of my credit file and post it to them…
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Order card payments are applied.
OK. Got balance of £3000. A) £1000 of this is at 0% reverts in August. B) £1000 of this is at 0% reverts in December. C) £1000 is on lifetime 3.9%. Am I right in saying that for all credit card they get credited in the following order:- 1. Highest rate. 2. Earliest balance transfer. So, now any amount less than £1000 would…
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Tesco Clubcard credit card
I have tried looking for the T&Cs of the Tesco Clubcard credit card but cant find them on the website- does anyone have a link? Is there a time limit for making balance transfers for the 0% offer- do the transfers have to be requested at the time of application, can they be made at any time in the 0% promotional period or…
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Balance Transfer Issue - Different Names
Hi Guys Hoping for some help... I currently have about £2,300 debt with 3 credit cards (Vanquis, Luma & Barclaycard) all on about 37% Interest. I wanted to move this debt to a 0% interest card so i can start paying it off and not just the interest but i unfortunately do not have a sufficient credit rating. My Mother kindly…
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Newbie Credit Card Question
Hi all, just got a credit card and used for the first time, unfortunatly being a bit naive I changed money at a Travelex thinking it would be a purchase not a cash transaction. I have the Barclays 14 months 0% and 19 month balance transfers. As soon as my statement came up, I paid the entire thing off so I wouldn't get…
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MBNA Low Rate Credit Card
Hi all, Couldn't find another thread about this new card. Just applied for one and got accepted. This is my 4th MBNA after a Celtic Mastercard, Emirates & Fluid. Phoned to confirm rates as didn't say online or in email they sent. For anyone interested they have 3 rates, 6.5% (one I got wheeee!), 8.9% & 11.9%. Really a…
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Business Credit Cards
Hi All Just wondering if anyone here can help me. I recently set up my business accounts with Lloyds and they have supplied me with a debit card for the business. My problem is i want a credit card for my business with a limit of £2,000 per month. This way i can control costs and everything like hotels, flights, travel…
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Vanquis card
I wrote to Vanquis bank about my PPI and got a letter telling me that some customers confuse Repayment Option Plan with Payment Protection Insurance. Please what is the difference between the two, and what do I do now as I do not have any terms and condition from them. Can they also say they Repayment Option Plan has been…
