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Timing of credit card purchase
I have a simple (I think) question about the timing of a credit card purchase. My credit card has a statement date of the 18th of the month so is due to be generated tomorrow. I have a purchase which I want to make but would like it to appear on the June statement rather then the May one. Due to work commitments it would…
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Post Office Platinum Mastercard
My advice is don't apply for a Post Office Mastercard. My recent experience with their inability to set up a Direct Debit has been appalling and resulted in a deluge of ill informed letters warning me of late payment which was entirely due to their error. Even worse is when you try contact them as its not run by the Post…
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I shifted my CC debt to a loan, should I keep or close the CC?
Any advantage to keeping the credit cards at 0? Or should I close them so they start sending me fresh offers?
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Nationwide 0% Interest Offer
Hi, in the small print it says I have to continue paying in £750+ into my Flex Account (excluding internal transfers) to continue receiving this offer on their Select Credit Card. However, I want to switch my work payments to my Barclays account, will I be able to transfer £750 from my Barclays account to my Nationwide…
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Credit Card Eligibility Calculator
I used the Credit Card Eligibility Calculator to look for a new cashback credit card as my capital one card has stopped doing cashback. It did say that it won't affect your credit score. I have had a new search entered on my credit file, by HDD-price comparison-Barclaycard (two entries on my file) on the same day I used…
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Need a little cash shrt term
Hi chaps, my redundancy has run out, just a few months from my state pension (65 Aug 1st) I have £500 a month income so shall need some cash to tied me over ... I have a Co-op account but I think the c/card is 25% apr on cash withdrawals ... any of you clever chaps can recommend an option for me please ? Regards Roger
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Capital One Card - When does the 1% discount end ?
Hi All Can anyone confirm when this actually ends ? Will i still get cashback for this month ?? If so when will get paid as it used to be every January so does that mean i need to keep the card active until then ? Thanks
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Bedroom credit agreement
Hi We are looking to shift a bedroom credit agreement to a credit card Do I need to look for a low rate balance transfer or a low rate money transfer It's a bit confusing Thanks
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Transferring another persons debt
Do you know of any lenders that will allow you to transfer your partners debt onto another persons card at 0%?
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Best "non-Amex" reward card for £10,000
Me and husband are having £10,000 spent on the garden over the next year so I want a new card that has cashback or rewards. The shop don't take AMEX though so I can't use that. Any ideas the next best one to get. The 10k won't be paid on one go so the limit isn't important. Thanks Karen x
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Confused by what credit card to get!
Currently have a Amex Gold Rewards that I use for 95% of daily spend. Looking to switch to something that will give me at a minimum 12 months of 0% spend. I also need to balance transfer about £400 from an older Natwest credit card, ideally I would like that to be part of a 0% offer too. Would love to only get one new card…
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Cabot defaulting me but say dont hold account
I recently obtained my credit score file, and found that Cabot Financial were defaulting me for an account I don't remember having. No payment has been made to this credit card since august 2009. I sent off a letter asking for a CCA and deed of notice etc, along with a cheque for £1 Today I received a letter back from…
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Is this a 'Purchase' for 0% purposes
A Balance on a Next Catalogue / Store Card, not eligible for a balance transfer as not a credit card, however I have a 0% on purchase promotion, if I login to the next account and 'pay' the balance using the card is that for all intents and purposes a 'purchase' I can't think why not? Or am I safer paying the bill with any…
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Balance transfer time
Hi I've applied for and been accepted for a capital one card, it's to transfer my balance to have a short interest free period to help me pay it off How long does the process take to do the transfer? My card should be here in the next few days, I gave cap one my other card details and the amount I want to transfered. I've…
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Cashback vs savings vs 0% Balance transfer
With all the current long periods of 0% balance transfers and cashback offers, eg the Santander 1-2-3 card, I'm wondering whether these actually work in your favour vs just saving money in a account? I'm thinking of using the 1-2-3 card for weekly supermarket and petrol and spend around £100 a week on them..... thoughts…
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Nationwide Credit Cards
When it comes to credit cards I am a self confessed rate tart. Once the interest free period runs out, I close the credit card account and replace the card with another. I have just closed my account with Nationwide and received a letter of confirmation. in the letter they said that should I wish to apply for a Nationwide…
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Getting UK Credit Card while not living in UK
Hi, I applied for a credit card at my old address in the UK because I wanted to have a CC to use abroad. I haven't lived in the UK for over 4 years and I have no plan to ever return. I was accepted and the person living there now forwarded the card to me (as I happen to know the person who lives there) I used the card and…
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Supercard Financials
Still don't understand how Travelex make any money from this product but I have to accept Martin's explanation that it is a loss leader. As they back to back transactions with your credit/debit card, they need to pay their acquirer a fee which will exceed any interchange they make on the transaction, they also need to pay…
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Paying M & S credit card statment in store
Please would anyone know if you can pay your account in cash at a local M & S store? bought something for my daughter and it would be easy if she could just pay the cash direct to clear the account. Thanks
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£ Prepaid Credit Card advise
can anyone advise on a prepaid credit card in pounds to use for everyday transactions in the UK? A family member is coming to visit for few months and it'd be easier to have a card in local currency. Ideally the card should be: - reloadable - for non resident - modest/fair fees any ideas? Thanks
