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Barclaycard transfer
My Barclaycard interest free period is coming to an end, but I have an chance to do another balance transfer on by Barclaycard that will be interest free until May 2016 Can i pay off my Barclay card with my nationwide credit card then transfer the balance back to Barclays to take advantage of this interest free until May…
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Help - credit card interest question
Hi All My partner is in a little bit of trouble with her finances, she has a number of credit cards, due to debts in the past, and also she is a mature student doing a medical bursary at a hospital! She has a child also! She is really struggling to pay these off now and getting into more debt each month making the minimum…
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Balance Transfer Not Accepted.
So I have a Barclaycard of which I owe roughly £3500 on. I got this card with the 30 month balance transfer deal and I am now out of that 30 month deal so am paying a lot of money each month on just the interest of the card and am struggling to pay it off as well as paying off my debt. I think with meeting the interest and…
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Barclaycard Platinum - Offered different card
I applied online for a Barclaycard Platinum Purchase (14 months 0% purchase, 23 months 0% balance transfer), however it was referred. I received a letter stating they could only offer me the following deal - a Platinum card, with 7months 0% interest on purchases, 11months 0% balance transfer, and 29.8% APR, which is fare…
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How best to pay for a hotel in Spain?
Hi for the first time we have booked direct with a hotel and cost is around say 1700 euro's. What is best to pay for the hotel with the Euro rate so good? Do I put the 1700 euro's on a prepaid card and then pay for it when I get there? Do I pay for bill on my existing credit card now? When rate is good it just wait until I…
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Credit Card debt
Hi, Ive got about £7500 of credit card debt, on different cards. I'm struggling to pay the minimum amounts at the moment. Ive tried getting another card to put all the debt onto to get lower interest but with no joy. Ive tried getting a debt consolidation loan, but no joy. What are my options? Bankrupt? If I could just…
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Emirates Skywards Elite Credit Card
Hi every one, I have used the site a lot however this is my first post.. I have searched quite a bit on the internet looking for information about MBNA credit cards, more specifically the Emirates Skywards Elite Credit Card without much luck. Due to this I thought I would share my experience, having had one of these…
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Section 75 claim rejected by CC Co and Ombudsman adjudicator, Appeal timescale
If wrong forum please let me know. I made a Section 75 claim against Tesco which was rejected. I appealed to the Ombudsman and their adjudicator also rejected my claim. I was advised that I could ask for this to be reviewed by an actual Ombudsman. I was given 14 days to ask for a review and supply any additional info, or…
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Applying for a Credit card with previous debtor
Hi I'm not sure if anyone can answer this but I thought I would ask anyway and see how far I get with it I would like to apply for the Barclaycard with 35month 0% but I am a bit worried because I got into some bad debt with them in the past which since been removed off my credit file because its probably close to 9 years..…
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First time credit card??
Hello, I've never had a credit card before and was looking for any help please? The only reason why I am getting a credit card is because I am hiring a car abroard and they need to keep a credit card on file 'just in case'. So I don't want to use the card and want to get rid as soon as I come back. Can anyone help by…
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How do you start to build a credit history for an 18 year old
Good morning, I hope you don`t think this is a daft question but trying to think to the future for my daughter and we haven`t got a clue where she should start. She is 18, in full time education, (does not want to go to Uni), has a Saturday job, Lloyds bank account with a healthy balance (the one you can have until aged…
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0% Balance Transfers for UK Expats?
Hi, I'm a UK expat living in Germany and I have some debts on my UK credit card that I'd like to transfer to a 0% interest card. I checked the "balance transfer eligibility calculator" on the MSE website, but I think the details required to complete the fields only cater for UK residents... Does anyone know of any 0%…
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Best Credit Card for Rewards
Hi, Could anyone please advise. I am going to be doing a lot of spending over the next month on big house hold purchases. I could use my debit card but thought trying to earn some cashback / rewards might be a good idea. Does anyone have any ideas for the best card to apply for?
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Fluid credit card - designed to catch you with default sum for non payment?
I've had the fluid card since november and I've had two default sum notice. Both instances the last payment date was on a Sunday, I paid on a friday after 4pm and they consider this late as I need to make payment before 4pm on Friday to count within deadline. Furthermore. They don't go by calender month, they go by some…
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Santander refused a CC & offered £55k loan at the same time!
I applied to Santander (123 CC) and others to manage my balances on the 0% offer. Only a couple of grand but thought it was worth it. They refused me, quoting information provided by Experian. Surprised I temporarily joined Experian and after getting 996 on the score called them to ask why Santander had refused. Experian…
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Paying off the overdraft with credit cards
Hi, I have a £5,000 overdraft with Halifax that I am being charged £100 a month for. Without looking closely enough on this site, I applied for a 36 month 0% balance transfer card...only to find out that I can't use this to pay off the overdraft. So, having looked around MSE.com a bit more, I've seen the card I need is a…
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About to transfer my balance to 0% - should I tell the bank I have the debt with?
Hello! I hope that this is not something already covered elsewhere but I am wondering if it might be prudent to let Natwest (whom I currently have a Mastercard with) know that I am about to perform a balance transfer, or that I am am looking to perform one. Might this lead them to lower the interest rate permanently or…
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Nationwide Introductory Rates When Reapplying for CC
Hi all. Over the last few months, I have paid up and closed 4 credit card accounts. 2 of these were used for stoozing, the others just no longer required. Each company acknowledged the account closure. But only one; Nationwide (which was closed after introductory period ended), stated that if I wanted to re-apply for a new…
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Cash advance on credit card
Hi all, Due to some unexpected news, I need to withdraw some cash from from credit card. I know this is TERRIBLE but it is unexpected and will be for approx 4 weeks at most before I pay it back in full. I need to take £400 and my cash rate is 30.34%. If I were to borrow the same amount from Wonga (I know, I know, bad to…
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Halifax decreased my clarity credit limit
Found out in my monthly statement that Halifax decided to decrease my limit by two thirds (£3000), leaving just £47 above my current balance. Meaning I can't really use it until after I clear the balance, which I always do just before the date required. Just so annoying to reduce it by so much when my circumstances haven't…
