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Unsure on what to do !!!
Hi all Im looking for some advice please on the following if possible: I currently have 3 credit cards with the following companies and im deperate on what to do next. Capital One £1550 balance £700 Aqua £1150 balance £775 Vanquis £3000 balance £ 2800 Do i use all available monies from the Capital One & Aqua card and pay…
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question regarding barclay card
hello, i have checked my account online with barclay card and i have notice a contradiction. i paid off the balance of £39.00 and on the main page if says "payment recieved £39.00 no further action required" i paid it on the 26th of oct. if i go to my statements it says " statement for 19 oct 2015 balance -£39.00 payment…
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Vanquis interest rate reduction
Just had a letter from vanquis with a rate reduction from around 50% to 41% , due to me managing the account well Had the card for a year, always paid in full, no limit increase still £250. Thought this might be of interest, as past threads have suggest vanquis don't drop rates
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Nationwide Visa credit cards compromised?
I had a payment declined today so contacted Nationwide card services to discover my card had been cancelled (14 day grace period) and a new one sent out back on the 27th October. I Was told it was down to the TalkTalk breach although when I pointed out long numbers weren’t comprised and I had never been a TalkTalk customer…
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Cleared 90% of balance; how long till offered BT deal?
Hello all. I did ask this question in the 'Unofficial balance transfer for existing' thread, but I thought it may be worthy of it's own thread for those that are clearing balances and looking for answers on when they may then be offered a BT deal by that same provider. Basically, I had an £11,500 balance on my Barclaycard.…
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Barclaycard Email - changes to interest rates - or phishing?
Just got an email from Barclaycard which has been rejected by my virus checker as a "phishing attempt". Looking at it via another route (but not clicking on links) it's about how they're going to link CC interest rates to the BOE base rate, starting in February 2016. The email seems in order, but has anyone else had this?
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Balance Transfer Credit Cards not offered enough credit!
Hi, I currently have a Barclaycard which I had with 0% promotions on balance transfer and money transfers which I used to get rid of my Capital One card. My limit was increased and used it for my recent wedding. I knew my 0% period came to an end in March and May 2016 so was always planning to do another transfer to a 0%…
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Help
Hi, I have been a long time lurker on this site for a few years but never had the courage to post anything. I have three credit cards with large balances, HSBC 6800, Creation 7700, Barclaycard 7400. In total I am paying approximately 600 pounds a month just on the minimum payments on these and of course the balance is…
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£2000 limit £700 balance
I have a nationwide select credit card with a £2000 limit and a balance of £700 and want to purchase something costing £1500. If I pay £300 today by bank transfer will I be able to buy my £1500 item tomorrow or should I just use my £10000 limit Capital One card and forgo the .5% cashback?
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Balance Transfer Question
Quick question regarding balance transfers. My wife has a 2K debt outstanding on her CC that we have been paying off for a while now and the 0% deal on her card ends in February. She doesn't really want to apply for another 0% offer as she already has 2 other CC's(both with no balance) and we simply don't use them. Only…
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Dollars. Change before I go or withdraw from ATM over there
Hi Travelling to New York on Tuesday and wondered if it's better for me to change the £1700 I have into dollars before I go or use the MBNA Amex card and withdraw the cash over there and use my savings to pay it off. Is there any benefit or better exchange rate by doing this?
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Barclaycard Freedom points
Not sure if this is better posted here or in the Shopping forum but...anyone with a good balance of Barclaycard Freedom points, they are running a double up weekend starting tomorrow (Friday 13th Nov). I think you can buy vouchers from your points half price too. Check the leaflet from your last bill for details! Does…
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AA 0% Purchase Credit Card - Hidden Costs!
The AA 0% purchase credit card seems like a good deal, but beware you have to jump through hoops to get it and pay up to nearly £16. This card is underwritten by Bank of Ireland and as part of their money laundering procedures they require certification of 4 separate documents to prove that you are who you say you are.…
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Should I take out a balance transfer credit card?
Here's my situation: I have a Vanquis 39.9% APR card with about £1,000 on it and an 18.9% APR student credit card with £500 on it. Altogether around £1,500 of debt I'd like to clear. Ideally I want to be in a position where I have one good card with as low an interest rate as possible i.e. neither of the two cards I have…
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Unknown transactions on Barclaycard - how?!
A couple of weeks ago I tried to buy a camera on Jessops' website for £899. I ordered online for delivery to my home address and had to use my Verify By Visa password but the transaction was blocked and I had to prove my identity before the sale could go ahead. Clearly me but very much denied. Then today I notice three…
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Barclaycard rate to be linked to the Bank of England base rate?
I've just had an email from Barclaycard telling me that from Feb 2016, the card interest rate will be linked to the Bank of England base rate: It seems to me like they're doing the same as the utilities! I notice how in these recent years of low rates that I cannot recall them lowering the rate. Now there's a chance though…
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Barclaycard transaction charges
Hi, I recently paid for holiday accommodation in full via expedia website. However, when I arrived at holiday accommodation, my Barclaycard details were requested, which I assumed were just in case I racked up any charges like phone calls, room service, etc. I discovered the accommodation had charged my credit card in full…
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Paying off in full -> Paying less
Hi there I usually pay off my c/c in full, every month (and use it only to receive cashback). I'm in the process of buying a house and money will be a little tighter for a couple of months, so my question is, will my credit score reduce (I know it's a proprietary number/kinda meaningless) if I start using the credit…
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Cancelling Post Office Credit Card - Postal Address?
Tried telephoning to cancel my Post Office Credit Card and on two occasion's I've been told that their 'system is down' and the address I need to cancel is on my statement, As I've not used the card for 2 years I don't have any statements and I'm really finding it difficult to find an address to send my cancellation letter…
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Travel credit card - paying off quickly
Hi, Sorry to ask a dumb question, but Martin says the trick with the Creation card is to pay it off in full via internet banking. I have my card set up so it's paid off in full by direct debit (or standing order). Is there some way to do this e.g. the day you use it to buy something or the following day so you only pay 1…
