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Moving house - best time to apply
Hi there, I'm currently in the process of moving home, and could do with a new interest free credit-card to fund some improvements to the property in the short-term. I am not selling my old place, just converting it to buy-to-let. Would it be possible to apply for a new credit-card now, at my existing address and be…
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Cancel 123 and go back to MBNA Amex?
My annual payment on my Santander 123 is just about to come to an end so I've just been doing some maths. I have an old MBNA Amex card which offers 1% cashback anywhere (where Amex is accepted!), so I was looking at the amount of cashback over 1% that Santander brings me. Last year it was just about £24 so worth keeping as…
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HSBC credit card - £25 within 60 days
Hi Has anyone received this yet? I'm on day 53 (of the 60 since the 'qualifying action') and nothing yet. Cheers
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0% Balance Transfers?
Hi There, I have a Credit Card Debt of £4,600 and MSE's Eligibility Checker tells me I have a 90% chance of getting a new (Balance Transfer) card at the 0% rate. I'm about to apply for this now because I've just started a new job and finally have the financial 'leverage' to pay my card off (in full hopefully/extremely…
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Rebuilding Credit
Hello I have a Vanquis CC with a 900 limit opened Sept 13 Capital One CC with a 700 Limit opened April 15 I have just been accepted for a Barclaycard with a 3500 limit so my credit has now improved but should I get rid of any of the other cards or will doing so negatively impact my credit score Thanks
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To shred or not to shred?
I'm disposing of a mountain of statements for closed credit card and bank accounts. Is there any need to shred them or can I just put them in the recycling? I presume the account numbers of closed accounts would be of no use to identity thieves?
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Should I use credit card to pay for Dutch Centerparcs holiday
Hi there, I have booked a holiday at one of the Dutch Centerparcs (priced in Euros). At the moment I have only paid the deposit - which I did using my credit card. I believe there would have been an additional charge for using the credit card on top of whatever conversation rate is applied to change from euro to GBP. My…
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using credit cards abroad
Hello, I hope I am posting in the right area as I am new to forums. I am planning on going abroad later this year and have previously purchased euros and travel cards but am fed up with losing out when I cash them in again. If I were to use my mastercard for making payments in supermarkets etc ( not cash machines) would…
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Tesco credit card cash advance
Hi, I'm look at buying a £700 car privately, I will need to pay using my credit card by cash withdrawal. I would be paying this off by April, would anyone know what the charges would be for this? I can't make heads or tails of their T&C's!
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Best way to get £2000?
Hi All, I'd like to get £2000 pretty rapidly. This is to add to money towards a car. Now, I can pay the card off easily in less than two years, but I'm wondering the best way to get my hands on that cash from the credit card with the least bit charges or interest. Should I withdraw £2000 from the credit card over 8 days?…
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Mortgage application credit limit increase
I've been sent a letter by Barclaycard initial that my credit limit is increasing from £1400 to £1800 on the 1st March. My DIP with nationwide is on the 12th March. Will accepting the credit limit increase be ok? My credit limits are Capital One: 1300 Barclaycard: 1400 or 1800 with increase Will 1800 look better for a…
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Credit Card Utilisation - Credit Report
Myself and my husband are thinking about buying our few house and are hoping to get our finances in order prior to doing this. My husband has 2 credit cards one with a balance of £5,500 and the other currently has a balance of £7,000 is he better off paying one in full and leaving the account open with a 0 balance or…
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Making the most of a season ticket purchase
Hi, In April I will be renewing my rail season ticket that I use for commuting, at a cost of £6644. My wife and I are planning on taking a summer holiday outside the EU (not sure exactly where, but thinking the US) and were hoping to somehow leverage the season ticket purchase, plus subsequent spending like weekly shop, to…
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Amex Questions
Hi All Just applied for an Amex Platinum Everyday card on Monday and the card has arrived today. This is my first amex card and first application for one. I currently use a barclaycard and nationwide card. My question about amex is do they ever drop the Apr rate for their customers? When I got my nationwide credit card it…
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Vanquis/Lowell debt letter - possible fraud/scam
My parents called me yesterday saying that they had received a letter for me that they thought I should know about. It is extremely rare for me to get any mail sent to my parents’ address these days as I have not lived there since around 2006. At first they assumed it was junk mail but when they opened it found it to be…
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contactless fraud
http://home.bt.com/lifestyle/money/money-tips/beware-of-this-new-type-of-contactless-card-fraud-11364041111515 Start looking for a screened wallet, people.
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argh - forgotten 0% period!
I switched a balance to a Barclaycard in Jan 2015 - but I've forgotten how long the 0% period was for. I've searched back through all the emails I've had from them, and all my statements, but there's not a mention of how long the 0% is for anywhere. I've made very good progress paying off my balance but I need to know how…
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balance transfer dilemma
I applied today for a 0% balance transfer card with Barclaycard.Eligibility checker suggested a 95%chance of acceptance I put on the application that I wanted to transfer just under £20000 in total from 3 other credit cards. They accepted me for the card but only offered a credit limit of £3800 with a maximum balance…
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Barclaycard - Anyone else not able to access their free experian credit score
Just as it says really. Got my Barclaycard last month.Opted into to the free experian service, received an email the following day saying it was avaliable, but when I try to view it keep getting a message about a technical fault. This has been for 3 weeks now. Barclaycard can't shed any light.
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Tanked my credit rating trying to stooze
I have over time built up a stooze pot of around £5000 whilst my credit rating stayed steady; however clearscore and exqualifx have shown a huge drop recently. My report going from above average to poor/very poor in a month. My only assumption is this is because I maxed my out credit cards. How can I fix this? Should I pay…
