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argos Card- when can i expect it
Hi there My card was sent out on Tuesday When has everyone received theirs? Thank you
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How long after closing down CC's can you re-apply?
Ive recently closed down 4 x credit cards i had for the 0% BT offers to clear up my finances for a mortgage application, i dont need any cards now but once moved and settled may want to apply to get any bits we need, how long after closing down completely CC's can you re-apply to get the various introductory rates/offers?…
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0% balance transfers
Hi, I'm thinking of transferring my credit cards to a 0% card. Can I add my wife's card to the transfer, or can I only transfer cards in my name, thanks:)
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Does using a credit card at at ATM to withdraw cash affect you credit worthiness?
Do credit cards report if you uses a credit card to withdraw cash? Is this looked upon unfavourably by other lenders even if you clear the balance in full every month? Thinking of getting a zero loading card to use at ATMs overseas, but won't bother if it gets reported. Thanks
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Best cashback card??
Am sorry for starting a new thread but doing a search and going through the results people are recommending cards which are not featured on the cash back credit card article by Martin. I am looking for a cash back credit card. Am not a high spender and i will clear off debts each month. Not sure if the fee free American…
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Halifax clarity: how is the interest calculated on withdrawals?
I am still not sure how is the interest calculated on withdrawals abroad for the Halifax Clairty. Let's say that I have a balance of 400£ and then I withdraw the equivalent of 100£ in another country. Then the same day I pay on the card 100£. Is that enough to pay just 1 day of interest or do I need to clear the whole…
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Debit card charge
Sorry if this is the incorrect section but I was wondering if someone could help me out. I recently missed a premium on my car insurance due to being off work sick.(I do have insurance but there is one months deferred period) When I phoned up to pay the outstanding amount I was informed that there was a £3 charge for using…
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M&S credit card with £30 voucher
Wonder if someone could help. There was recently an offer that Martin mentioned re applying for CC with M&S. If you spent just 1p on it, you had a £30 voucher. I applied, was accepted and used my card. What I cannot recall is when you have to pay off the balance by? Maybe end of Sept? I do remember that you are sent the…
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pay off loan with cc transfer to current account?
Hi We have a £15k loan with co op taken out 12 montgs ago for 5 years ar around £250 a month. Have been offered a 0% BT ftom mbna that is also 0% if transferred to currrent account. Does it make sense to do that and pay loan off early as at 8.9% interest or will loan amount not change? Thanks!
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Lowering credit limits with pending transactions
Has anyone else experienced this... I had a CC and I received a letter in between statements saying that my credit limit was lowered. However, I had pending transactions so that meant that when they were taken from my cc account I was over the new lowered limit. I know CC company's review accounts and can lower limits when…
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Request for Advice - Applying for Balance Transfer Cards
Hi - I'm currently chipping away at some credit card debt and have about £2,500 on a card at a fairly high rate of interest. Obviously I'm looking to move that on to a 0% Balance Transfer offer if I can. Any advice you could give me on the below would be much appreciated - things have been tough but I'm gradually getting…
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Getting the best protection (after the event) Car Purchase and Paypal
Hi all, I'm probably covering much discussed ground but my query concerns, car brokers, Paypal and Tesco Credit card. I recently decided to pay a £500 deposit to a online car broker. It's one of the big ones with a mix of very happy and not so happy customers, I had looked across the net and decided on balance to place the…
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Why a 0% Acceptance Chance on Amex Platinum Everyday?
Hi all, I've just completed the Credit Card Eligibility Checker for the Amex Platinum Everyday and I pass all of Amex's criteria listed on their website: I am aged 18 or over (I'm 23) I have a current UK bank or building society account (Main back is with Halifax) I have a permanent UK home address (Live at home with my…
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Balance transfer for "fair" credit rating
I have a fair credit rating (improved on last year) and a barclaycard at 34.9% APR with £800. I also borrowed an additional £1000 off my Mum (very foolish, but what's done is done) on her Barclaycard at the same rate. I'm looking to work towards paying these debts off and have been looking into any balance transfer…
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Credit card payment
Hi, first time posting on this forum and am having a bit of a dilemma and can’t find the answer anywhere on google. I have a credit card for about two years and can’t get credit at the moment so I have checked my credit file to find that I have 1 missed payment, the first payment after the payment free period now I have…
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Getting a Credit Card to improve my Credit Score
I've never had a Credit Card in my life. I've heard that using a Credit Card (and keeping up to date with paying it off) that improve your credit score. I've also heard that the credit score you have in meaningless. Which is true? Does it make any financial sense to get a Credit Card now (I'm in my thirties)? Would an…
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Stupid question about a credit card (Capital one, platinum)
Hi all, stupid question altert I've never had a credit card before but I needed one to pay for a course. I regret making such a rash decision without any research but here I am. I have the capital 1 platinum card, with a £200 limit. I used £199 of it about 3 weeks. Today I rang up and paid £80 on it. I'm just wondering how…
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Lloyds Credit Card Eligible
hi everybody, I had an enquiry with my bank lloyds today, and I was told over the phone that I'm eligible for a credit card with them. Does it mean that if I proceed I will get the card without doing a hard search on my file, knowing that they get CRA monthly feed, or it's an estimate and I should do a full application.…
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Goldfish PPI Claims Address?
Hi Everyone New to the PPI claim process and have found several cards we have had over the years which had PPI, which were pre-checked on the applications forms etc.. One of which was with Goldfish we had in 2000 and was closed off before Barclays brought them out. Does anyone know the address I need to send the PPI…
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Credit Card Claim for website con?
I have been really silly, I needed a Title Plan from Land Registry and thought I had ordered it from them and paid £32 - I then realised this was not Land Registry but Land Registry Agency. I requested an order cancellation and refund through their website but they ignored this. There is only a noreply email address. They…
