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Aqua Card Interest hike
I have had an Aqua credit card for 2 years, with an original credit limit of £250 and an interest rate of 29.71% APR. My credit limit is now £2,500. I have always paid off my balance in full each month with the exception of this month (£370, of which I have paid back £230 today, and the rest will be paid back within 14…
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Halifax credit card - creamy white color
Saw someone having/using a creamy white colored Halifax credit card at a checkout. Anyone have this card? Don't think it's part of their credit card range. There website still shows their credit card color as black or blue if it's a Clarity catd.
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Ex Egg Barclaycard order of payments?
I have a Barclaycard that was originally an Egg card. I am interested in their money transfer offer (0% to end Dec 2016 for a 1.9% fee). If I also spend on the card, and pay off what I spend, do the payments I make go against the spending, that would attract interest if not paid off, rather than the 0% offer? Eg - transfer…
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Current MBNA deals & policy re 2nd card CL merging
Got a Barclaycard deal coming to an end mid-Jan, and want to transfer the balance. Couple of good new deals on the market but limits from those two could be low, or non existent. But have an MBNA card with a good CL so wondering how to take advantage.. potentially with a second card, and then merging limits.. 32m 0%i…
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Using Halifax Clarity CC for Euros
The travel money app http://travelmoney.moneysavingexpert.com/?_ga=1.130963279.1378405868.1451377600 always shows the Clarity card as the best exchange rate for Euros. Using a CC for cash is not normally a good idea so what is the best way of getting the best rate using the Clarity CC and not paying a premium for it when…
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Help clearing my CC to a new CC 0%
Hello everyone... I am new to all of this and I need some help! 1. I have a credit card of 7000, i have been paying interest on this card for ever at 21% ...I need to transfer this bad date to a 0% card. I was offered more credit on my original card, with this extra money I would like to clear a car finance of 3000. Should…
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Merging credit limits with Tesco
Tesco allow you to open two separate credit cards with them. Does anyone have any experience of merging these two cards? I know this is something a few providers will do if asked. i.e. If I have an existing card with a £7,000 limit and zero balance, I open another to get an introductory deal and get a £3,000 limit, then…
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Chargeback possible over a paypal purchase?
Hi all I'm looking for some advice and hopefully reassurance! I collect rare books and autographs and I recently used my Visa credit card to specifically buy a rather expensive book through Ebay and Paypal - my paypal account had zero pence in it when I made the purchase and therefore I used the card to specifically…
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Credit card for travel
Hi I could do with some advice on which is the best credit card to use when booking a holiday. We are going to America next year and already have the money saved so will be paying the credit card off as soon as it is booked but I'm not sure which to apply for, are there any which are better in terms of benefits or…
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Available to transfer
Just out of curiosity, as I'm not currently looking to do a balance or money transfer.... My new offers have appeared on my Barclaycard account for January - 0% balance transfer until 04/17, same for money transfer. However the amount they are saying "available to transfer" is £1000 which is less than half of my credit…
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Is Great Unspoken Credit Card Fraud Rife now in East London and Elsewhere?
Just thought I'd share a Christmas shopping experience: I was in a large major name supermarket in East London and as part of my shopping, I bought a couple of gift cards for two young families in our extended family (they particularly can use the money far better than I can choose). So the first thing I put through the…
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Visa Infinite
Picking up my Visa Infinite card tomorrow. Is there any advantage to this apart from the Harrods Black Membership and Hilton Gold and concierge?
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New credit card - confused with payment options
Recently I applied for a Vanquis Card in order to improve my credit score. I'm a bit confused at how the card works. Apparently the available balance is updated just minutes after the purchase, but the list of movements doesn't show up for quite a few days. So this month it tells me my minimum payment is £0, despite having…
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Section 75 of the Consumer Credit Act.
I have a curiosity about Section 75 of the Consumer Credit Act, if I buy something off ebay over £100 using my credit card and it isn't as described or item not received and seller has just done a bunk can I claim under Section 75 of the Consumer Credit Act Bearing in mind I wouldn't have used paypal to pay, paid straight…
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I would like to apply for new credit card for money transfer please suggest the best
Can anyone suggest a best credit card for money transfer for up to 12 month in 0% interest rate and i would like to know what is APR if APR is 6.5 how much will be the APR for 5000 for 12 month ?
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Current Balance vs Balance on Statement Date
Hi all, another newb credit card question again. My current Credit Card Balance is showing as £294 which is fully what I expected. However, when I open my latest statement (due for payment 4th Jan 2016), its £423!? The statement shows me transactions between 7th Nov - 8th Dec. I think this has happened because during…
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Cash transfer cards - keep 0 balance cards live?
I have two credit cards with £0 balance on both but I have a mortgage reserve account with £7000 at 4% that I wish to transfer (in part or wholly) to 0% cash transfer credit cards. Depending on credit reference agency I have either a very good credit score or a fairly poor credit score because of a small default 4 years…
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$2000 dollar purchase from US, what's best way to go about paying for it?
Hello guys Anyone have any advice on how best to go about making a $2000 dollar purchase from USA. I'd like to minimise the currency costs. And maintain some form of buyer protection if goods become faulty in future. As items in question do have a spotty build history. Any advice from anyone who has done something similar?
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AA 0% no fee
I am debating whether to apply for the above card. I know the limits will vary based on my personal circumstances. What are the typical limits that have been agreed for the guys that have applied?
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Should I close an account before opening a new one
Hi guys, just wondering, I am a reasonably frequent flyer and looking to collect some airmiles and also perhaps a cheeky voucher as well when I spend enough. I currently have 2 barclay card accounts and 1 virgin money account which I have had for around 8 - 10 years. I am looking to open this british airways AMEX card.…