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credit card or loan?
hello everyone I am just wanting some advice, I have a car on finance and the APR is 16.7 % I am looking at trying to get a new loan at a cheaper rate or getting a credit card and doing a money transfer to pay the finance off, problem is the balance is £12000 to clear the finance, would I be able to apply for 2 credit…
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Balance transfer for a business account
Can anyone tell me if there are different rules about getting a balance transfer for a business account? Currently with Barclaycard Commercial who said they couldn't change our % interest unless we emailed etc SO looking at the Santander 0% and no fee 15 month balance transfer account.
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Does purchasing things on credit impact your credit score?
Let's say I bought some furniture from one of those vendors where they allow 3-years' monthly payments, interest free. Does that impact my credit score in a negative way (for buying things on credit)? Thanks.
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Capital one application
Hi i applied for a capital one card last night and it came back with i had to send ID to them. I have applied a few times over the last couple of years but normally get a no. What does this mean?
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Aqua card
Can anyone advise me I was accepted for an Aqua card yesterday the confirmation page said You have been accepted your pin and card will be posted out with details Of your credit limit and how to access it...nothing else no email or any other confirmation does this mean I have. Defiantly been accepted or could it still be…
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Any leg to stand on?
Hi all, I have a quandary regarding credit cards and fraud... namely I have an item, an unused wedding dress, which I placed for sale on a relevant website. My wife received an email from a disabled Scottish lady, who wanted to purchase, but needed us to blah blah blah, we were scammed to the tune of £300 approximately.…
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Balance Transfer from a closed credit card account
Hi all I have a Halifax Credit Card account which I elected to close a few years ago and retain the interest rate before there was a hike. My question is this - can I transfer the existing balance (or part of it) to a 0% card? Thanks
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Aqua credit card good for first timer?
Hello all, I am 21 years old and I have a credit score of roughly 780 according to Experian. Despite this being average, I have not been able to be accepted for a credit card at my main bank; Halifax. Experian has suggested that I get a Aqua credit card which I'm eligible for but I have some questions. Is this a good…
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Chargeback (defective holidays accommodation - absence of water)
I rented and prepaid the accommodation for 7 nights by Visa Card. There were a lot of misleading information on the website about the accommodation. Anyway in order not to screw up our holidays we accepted this. However, on the third day of staying we met the absence of the water. So it was not possible to use bathroom and…
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Balance transfer and back again...
... A Hobits Journey I was wondering if anyone knew if this was possible? I have two credit cards. One that is maxed out by MBNA but that is currently running a 0% balance transfer offer. And one that is empty but no balance transfer offers. Can I transfer the balance to the second one. Incur transfer fees and interest for…
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Amex Platinum Vs Santander 123
I applied for the 123 cashback card in Jan, was approved instantly. After having that for a month I applied for an everyday cashback platinum Amex, which I also got instant approval for. They both have a similar limit, now the question is, would there be any negative consequences to my file if I closed the 123 account down…
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How long does it take for a cash withdrawal to show.
I have just had a mis-fire on an ATM but the amount I intended to take out has not yet shown on my online account. How long does it normally take? Didn't get the cash, but concerned it may have been debited. Thanks in advance
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Stolen CC Details!
Hi all, I've just got off the phone from Nationwide who told me my card has been used to attempt to buy £400 worth of goods online from Target.com, plus something called Sherman Oaks, AND they even got themselves some McDonalds with it. I don't have to pay for any of it, and my cards been cancelled, but I'm now very…
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Account balance disappeared during switch
I've switched my account from TSB to Barclays. Today is my switch date and in a letter from Barclays, I was told that any remaining balance in my TSB current account would be transferred to my Barclays account by midday. I have logged into my TSB online account and my remaining balance of just over £3000 left my account at…
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help! :(
Hello, Ive been reading the forums for a while but i have never posted.. I have got myself into a little debt, mainly due to paying for post grad and unable to get career development loan.. Nationwide, £5000, 15.9% apr £6900 limit tesco, £740, 17.5% apr £1000 limit asda, £2060, 0% until may then 24.9%, £3200 limit…
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Borrowing then balance transfer.
Hello. My current situation is that I need cash for the purchase of a car (privately). I have two credit cards, one with Lloyds and the other with Capital One. If I borrow the cash on my Capital One card, and then do a balance transfer to Lloyds, with an 18 month respite period on interest, would Lloyds find that…
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Balance transfers between different people
I think I know the answer to this one, but just to confirm: one of my lads recently got a 0% BT on a new Barclaycard and I would like to transfer some balances from a couple of my cards onto this new card of his. I assume there's nothing wrong with this, based on my understanding of the subject, and on other threads here.…
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Dumb question - overpayment.
Sorry i feel i should know the answer to this but i don't! I have a DD to pay off the minimum on my card. If i want to pay extra does this leave my DD unaffected, even if i pay more than the minimum for that month. i.e. minimum by dd £130, a week before thats due i pay a spare £150 i have will they still take the £130? (i…
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credit card balance transfers
Hey guys I have a Barclaycard. I'm currently paying 100£ per monthbut 50£ is just on iinterest. I was wondering if someone can explain to me about balance transfares. If I get a new credit card can I still pay off 100£ per month. Also will i have to pay off my old card interest from my balance. Many thanks Sammy
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Vanquis - Repayment Option Plan
Hi all, I'm new here so if this is in the wrong place then let me know. Backstory: I've been self employed for the past 8 weeks. I offer services and expertise in my chosen field normally contract based work. I am currently taking 3 - 4 weeks off my normal contract work to develop some software that I can sell. I break…
