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Purchase CC or Balance transfer easier?
Hi guys is one of the above easier to get accepted or are they both pretty much the same? Also how many credit searches are ok before it affects your credit score? I have a 999 score on experian, tried the credit card checker on here and gave me 90% chance but got turned down, I know it could be a number of things but I am…
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Is a 0% card my best option?
Hi everyone, I'm after some advice on whether a 0% card is the right choice for me. Basically I want to borrow around £5000 to buy a second hand skydiving rig and I'm trying to find to cheapest way to do it. I've tried to read up on it and it seems like my best option might be to get a 0% card and buy the rig! pay it off…
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Which pay off first
1) Have credit card £2400 on it. Maximum £3200, so another £800 available. 0% on purchases until August 2015. 2) Just about in credit each month on current account, but have arranged overdraft £2000 to use if needed. Cost 50p per day. 3) Paying off £5,000 loan at 5.9% over 2 years. Approx £219.00 per month. Currently can…
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Help with credit card
Hi everyone first post on here. Basically have bad credit from years ago and I'm trying to get a credit card to build my credit rating up. I am full time employment and earn around £700-£900 per week before tax I currently went into am IVA and pay £110 a month to all creditors. advise from my bank manager was to get a…
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Swap money from secured loan to credit card
Hi I'm currently paying £273 a month for a loan that someone has left me with ( moved to Australia ! ) I was wondering if I can get a credit card and pay off the settlement figure which is around 8 grand and then slowly but surely,payoff my credit card ? Obviously get a 0% card and keep swapping over so I never pay…
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MoneySupermarket Debiting Funds?
Hi there, Yesterday I was having a mooch around MoneySupermarket.com for the best Credit Card. I picked one and have been approved for it, just waiting for the card to come now. However, I've just checked my online banking and MS.com have debited £14.15 from my bank account? They aren't open to call and I want to know what…
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Balance transfer between partners
Hi, likes my others I'm a newby to the credit card world..I have no credit cards and my only debts are two interest free pay monthly purchases..my husband on the other hand has three credit cards, one of which he is now paying a massive amount of interest on. I've read about balance transfers through the mse email but he's…
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credit cards- newbie question
Do you get charged if you don't use your credit card? Forgive the silly question but I'm thinking of applying for my first one & have heard this but never really thought about it until now!
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Identity Theft & CC Issued
Apologies, this thread has descended into speculation and spurious accusations. As I had joined these forums hoping for knowledgeable advice towards answering my question, I will be terminating my account. Therefore I cannot leave this information in the public domain. Thanks again to all those who genuinely tried to…
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Going abroad - Halifax Clarity or Post Office Credit Card?
Hello all, Wondered if you could tell me which is the best card for spending abroad out of the Halifax Clarity Credit Card and the Post Office Credit Card. If I paid off the balance in full each month with the Clarity card would incur no interest? Thanks I advance :)
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Money saving expert pre application check.
Hi guys, I'm new to posting on this forum - I'm a financially secure & financially competent 18 year old. I have had a credit card since the start of this year (A barclaycard Freedom Rewards card) and recently got a charge card (Amex Green) and applied and was accepted for the Gold the other day for the fee refund (after…
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Money transfers
Question: Hi I currently have an mbna platinum card and saw this new deal of 0% for 32months with a 4% fee but can't understand why as an existing customer I was not offered this deal but told I would have to apply again as a new customer? Confused
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Barclaycard inital closed
Hi I had applied for a barclaycard inital 2 years ago and got one. However in January I had been struggling with my finances so I decided that last month I would set the minimum payment on a direct debit which was for 104. Come tuesday of this week I was able to pay off the full balance and went online to do so. To my…
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Credit Card Question
Hi, I have a Barclaycard inwhich part of the balance is 0% until November and part is 0% until June2015. If i pay off the balance required for the November 0% will it clear that dept first, leaving me with only the 0% until June 15? Thanks for your help.
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credit card / balance transfer help
hi all, i am not financially astute whatsoever so any good advice anybody can give me is gratefully accepted. i have just bought a car for 11,795. i put 2000 down leaving me 9,795 on the balance over 5 years. i was lead to believe i would only be paying around £250 a year in interest but when i have done the maths (59…
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Can you part balance transfer?
If I had a card with 3k spare on it with a 0% balance transfer offer. And another card with 6k spent on it, can I transfer 3k from it to the other? Or does it have to be the full amount?
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Balance transfer question - shift then shift back?
Hi All, Just after a bit of advice. I've just been offered a 0% on balance transfers for 18 months deal on my existing Virgin credit card, for any transfers I make in the next 2 months. I have roughly £5k of debt on this card already, none of it currently on 0% :-( I also have a Capital One card open with a £2k limit, but…
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Correct credit card usage
I was explaining to a friend a few days ago about my current financial situation and ways to try and get out of it, when they came up with some advice which I am not sure whether it is correct or not. For the past 6 months I have been going through the following routine: - Get paid - Pay off interest on my credit cards…
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Sainsburys cancelling credit cards
Just received letter Sainsburys cancelling credit card even though with them for over 5 years and for something that happened over 10 years ago. ridiculous :mad::mad::mad::mad:
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Lloyds TSB is suck
Hello, folks! I recommend you to do not try to use this piece of crap. You asking me why? Well, that's because they offen doing many stupid things. One of them - i can't loggin into my interneting bank account. But why? I don't know. They don't telling with a phone. I have to reach lloyds bank. But there is one little…
