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0% Balance transfer limit? Advice. .
Hello people. . I have just read the credit card section / balance transfer guide on here but I can't seem to find any information on a maximum transfer value for each card. My situation is as follows; I currently have a vehicle on finance via the dealer (blackhorse) and pay around 8.4%apr from memory. I have only recently…
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Old Dorothy Perkins store card - help!
I got a DP storecard at university in 2006, and have still got it, although I haven't used it for years. It's showing on my Experian credit report under a very old address, so I tried to call DP customer services, and the automated line asked for the card number. I entered it, but it wouldn't accept it and there was no…
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Can I overpay my Halifax Clarity?
Not sure if that would work: to avoid getting charged daily interest on ATM cash withdrawals in the US could I overpay it (so it is in credit) before I go? Has anybody ever tried this?:p
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Over Limit Question
Hi all, please can someone advice: I went over my credit limit today and immediately made a debit card payment to the account to cover it. Will I still be charged an over limit fee?
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Multiple credit building cards?
Hi, I moved to the UK earlier this year and got a credit building card from Capital One (£200 limit) in August. Spending and paying in full every month... My "goal" is to get a prime card with rewards and a useful credit limit. Would it be helpful to have more than one credit building card, or should I just continue using…
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Am I cutting this fine
My current 0% on purchases card ends in early Jan next year. I have applied for a new 0% balance transfer card which has been accepted and have now sent back the signed declaration/contract so just awaiting the card. My plan is to transfer the balance from this current card onto new one but how long can I leave it before I…
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Credit card charges
Hi All, My wife used to have an Amazon credit card, now as we all know it has now changed to MBNA but I ask you this, Is it possible to use your new card from MBNA without activating it? because my wife has unfortunately clicked on her old card on Amazon to make a payment by accident, so she didn't know she had a bill to…
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CC to boost credit score
Hi MSE, I am just posting here to get some advice on getting my first credit card. Currently I only have a debit card, but with my credit report getting more and more important I am thinking of ways to enhance my report for the future when I need it. So my plan is; get a credit card with my bank (Santander), and just…
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How do lenders decide in who to send applications for people to apply for their CC
Say for instance Capital One...I never contacted them or knew they existed yet they sent me details/forms together with a reference number in how to apply.. Does this mean they know your credit file is decent enough for them to issue you at least a form/application for you to apply? do they check if your on the electoral…
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Aqua 9.9% Balance transfer offer for six months
Just to let people know that aqua are now doing balance transfer offer with a low apr. I received a letter today offering me upto 95% of my limit for 9.9% apr for six months also it says 0% transfer fee will be added to your balance. I have nothing to transfer but just to let people know. I have aqua advance credit card…
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Why does my ID/passport not go through for Nationwide Credit Card
Ok so I have visited my local branch 2 times now, both times they said they have verified me faxed off my passport, but on the credit card application team they keep saying it's not showing on their system or it did not go through...When I ring te CC people they keep telling me to fax passport again in your local…
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What counts as income for students?
So I'm considering trying some 0% for stoozing, but as a student, I have a low income. When applying for credit, what constitutes income: Earned income from employment (obviously) Earned income from extra work/websites etc Unearned income from savings? Student grant? Student loan? I have a £750 a year a student grant, and…
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Store Card Fraud
My partner signed up to a Burton's store card about 5-6 years ago.He has rarely used it over the years.His card expired in May 2014 and we didn't bother to renew it. We have just received a bill for £547 someone has somehow managed to get hold of his card and purchased these items.We still have the card that expired. How…
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DD Payment in Full and Manual Payments
Apologies in advance for the rather stupid question! I have a credit card that I've just recently started using, and I've set up a DD to pay the full balance every month. The description of the payment type is 'Last statement balance'. I can also make payments towards the balance at any time directly, through online…
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possibility of unauthorised card use
Hello. I am on holiday in thailand. I have a halifax clarity mastercard. Today ii went to an IT mall in bangkok to buy electronics, not having enough cash with me i went to the ATM just next to the store within the mall. I withdrew my money but unknowingly either left my card in the slot or dropped it on the floor at the…
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Credit cards.The biggest problem?
Was the introduction of Credit Cards the end of personal financial control?The best thing my wife and I did 25 years ago was refuse the Banks offer of Credit Cards. I wonder how many of the present teenage generation will have their future controlled by their former use of these cards?
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3 payments missed deafult clarity needed
I recently prevented a credit card default after paying my 3rd due payment and arrears in full (missed 2 previous) at the last minute. So far so good. Now i'm a month behind again. Selling up to pay off and start again - but don't want a default while that happens. If i pay last months but cannot pay this months aswell, is…
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minimum payment halifax clarity
I understand that with this cc I have to pay off cash withdrawals instantly so as not to acc rue interest. But is there any reason I can't leave the money in my current account and only pay off minimum payment each month? I can leave it all in my santander 123 that way and actually make some money? Be interested to know…
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Help required
Just watch the ML show can someone tell me if I've got this wrong. I had to cancel a budget airline flight due to illness. I paid on my credit card but the credit card co state they can't help. That's not what I thought I heard on the show am I going mad or have I been sold a pup. The budget airline won't even reply to my…
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Credit card limits and switching bank accounts
Hi, sorry if this is not in the right forum, I wasn't sure where to post it to be honest because it covers a few areas (credit cards, bank accounts, credit rating). Let me begin. Ok, from what I gather Martin and MSE are an advocates of ditching bank accounts when they don't pay anymore, e.g. when the interest rate drops…
