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Is it best to close credit cards that are not used any more?
Hi I have been doing the 'credit card shuffle' and have cards that purely were used for that. Is it best that I close them down or is it best to leave them open? Does it affect my credit rating if they are still open - or help it as they were managed well? Does it affect my chances of getting another card, the number I…
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MSE News: Balance transfer price war: New 18 months 0% and 36 months 0%
Save £1,000s on existing debts as the balance transfer credit card battle turns white hot... Read the full story: Balance transfer price war: New 18 months 0% and 36 months 0% Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro…
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Halifax Cashback Extras
Hello One of the offers on Halifax cash back Extras is 10% off at Sainsbury's online. The text of the offer does not specify whether the cashback is available online orders or only in store. The cash back extra general terms and conditions to not specify this, they refer back to each individual retailers terms. I'm…
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Balance Transfer Twice
I have an outstanding balance I would like to transfer that is larger than the credit limit available on Halifax's 0% balance transfer. Is it possible to take advantage of another balance transfer offer with another company or will it likely be rejected?
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Balance transfer issue
Hi all, Newbie here! I recently opened a First Direct credit card intending to process a balance transfer from a very high interest rate Capital One shop direct card. I tried this online and didn't have much luck so gave the very helpful team a quick call. After giving all of the CC details to FD they advised me that they…
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Marks and Spencer Credit Card Limit Below Stated Minimum
Hi I applied for an M&S card a while ago and I just received it. The first thing I see when I open the envelope: "your credit limit is £100". It's my first credit card but that still seems awfully low, especially considering the summary table on the back of my credit agreement (the same as the one on their website under…
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Can this be done - 0% money transfer
Been offered a 12 month 0% cash offer by Barclaycard as an existing customer. I already have debt on said credit card at a high APR. Can i take the offer and transfer money from the credit card into my current account and use it to then pay off the same credit card, leaving debt on the credit card at 0%? Is this allowed?…
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Paying an overseas wedding planner
Hi everyone I need your advice pronto please I am wanting to use my credit card to pay for our wedding in Cyprus however we are using a wedding planner. (We won't be getting ourselves into debt) I spoke to my bank and they said I would be protected should I do this but wasn't able to help with this question: My wedding…
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To close or not to close sub prime card
Hi all, I have been rebuilding my credit file since bankruptcy in July 2008. Part of this process involved having a Vanquis Card which I now am being charged an extortionate interest rate on. I am now in a position to pay the balance off in full and have two other credit cards which are interest free. My question is once I…
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Best Card to pay in Foreign Currency
Hello....I need to pay my hotel £1136.00 (4668TL) in Turkish Lira. Its an online rate only. I do not want to pay any associated credit card fees or charges, can someone tell me the best Credit card I can get to pay this money without in charges please? thank you ps credit rating is excellent
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Aqua / Vanquis credit cards
Hi all. I'm currently in the process of rebuilding my credit file. All adverse has gone, but one negative factor, other than time is that my credit limits are less than £1000. I've had my Aqua card since November and it started on a £600 limit. I pay it virtually in full every month and haven't had any problems. I'm…
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Credit Card to Keep or Not to Keep
Hi all - was hoping you could help me. I am due to apply for a mortgage, and I have 2 credit cards and an overdraft facility. One of the credit cards is an Amex, which does not have an interest because it needs to be paid in full each month. Also, it does not seem to have a credit limit - Amex has mentioned that it is a…
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Credit card advice
Hi All, I've always found this forum very insightful and helpful, and now I require some advice of my own. I've got a new job and need to be smarter with my finances as I'm 21 now (wish I started years ago!). I have an overfraft that I'd like to pay off, it's £1350 and I really don't like paying £30 a month for it. I…
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Paying xcess
Hi, I have just had my credit limit raised to £1,500? I owe £436 and have the minimum payment of £15 per month. Instead of paying next months payment of £15 would it be better to pay off the £436 using the same credit card?? Help Ps.Thanks in advance
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Credit card maxed out by someone else...not stolen but without permission
Hi guys, bare with me on this one! If this is the wrong place to ask something like this please feel free to direct me to the correct part of the forum. I'm writing this on behalf of my girlfriend. We've been together about 18 months. She has a 5 year old son with a man she completely despises. Over the course of their…
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Best card for moving credit card debt and money to pay overdraft?
Just wondered whether anyone could help. Was interested in moving debt from other credit card to Santander for 23 months, but not sure if this does balance transfer from bank too to pay off my overdraft as well. If not, can anyone point me in the right direction of a credit card that does both at the best rate. Many thanks…
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Really silly question on BT fees.
How does it work? When it says 3% fee to transfer, that'd be a £3 once for all fee on £100 transfer, yes? Not £3 per month? Nothing more will be added to the £103 if BTing to a 0% deal, yes? Told you it was a silly question! Thanks
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Transferring balance from Amex
I have an American Express charge card. The balance of about £1800 is due in 5 days. I am not normally short of money but this month, my employer will probably pay me late (a separate problem entirely!) meaning that I won't have enough in my bank account to pay the balance off. I'm trying to figure out a way of…
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Multi Currency Pre-paid credit cards
Hi I live and work outside of the UK and receive my salary in euros into a non uk bank account. I'm going to holiday to America in a few months and I'd like to take a pre-paid credit card loaded with my spending money. My question is, does anyone know of a company which allows the initial load onto the card to be made in…
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American Express Application - Platinum Cashback Credit Card
Hello all I'm a newbie - anyway, I applied for my first Amex Credit Card on Saturday. I completed a very short form and signed an online agreement. Wanted to another credit card - trying to rebuild my credit. I first went back to MNBA's platinum balance transfer card, during the application they said I wasn't successful…
