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How should i divide it up
I have 3 credit cards Barclaycard 26% £8450 Lloyds 25% £2750 NT WEST 22% £900 My credit rating has improved to such a extent i have got a 36 month balance transfer . now over the next 2 years i will come into around £5 - 7k from company bonus schemes i believe 2008 2009 . but intially what would be the best division of the…
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Vanquis - 'Once a lifetime' card
Phoned Vanquis after my application got the 'cancelled due to duplicate app' page. They've said on the phone that I had an account in 2013 (correct - this defaulted in Bankruptcy) and that I can't have another account as it's a 'lifetime card'.... unless they send me a pre-approved mailing offering me one then sod off Is…
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limits on fees by UK companies?
Hi, Is there now a legal limit on how much a UK company can charge for use of a credit or debit card? I know of one ( Event Travel) that charges at least 2% even on debit cards! Is this allowed? Or can they charge whatever they like?
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Barclaycard initial for Student
Hi I am a second year uni student who has recently been bombarded with Barclaycard initial letters. That said, parents have suggested applying so that I have some credit history rather than none (as I do currently), so just to use now and again really. However I have done their eligibility checker and it says I'm not…
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Credit Card to Pay off Another Credit Card
Hi all, I've currently got a credit card with a high interest rate. Is it best for me to take out a second credit card with a low interest rate and 0% balance transfer and use that to pay off the existing credit card? I'm not sure whats best as this is all new to me. Asking on behalf of someone else, and ive never had a…
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Refund to expired credit card - will it come through?
Hi all. I bought an electrical item from Amazon in December which is faulty and they've today put through a full refund for the item. The trouble is that this credit card expired at the end of March and I'm using the new one that Tesco Bank sent me earlier this year. Will the refund still reach my credit card?
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advice needed RE credit card
I have a finance agreement through a company called creation which I want to pay off using a credit card, would this be classed as a balance transfer? or a purchase? Sorry if this seems a stupid question but I know nothing about credit cards. Thanks in advance.
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Should I get a credit card for rewards and credit rating?
Hi, I consider myself very financially responsible. I have never needed or had a credit before and don't need one now as I have sufficient savings and am not planning any big purchases however I am considering applying for one, as the title states for the rewards and also for credit rating. A friend of mine told me some…
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Section 75 help
Hi I purchased 4 sets of kitchen led lighting which are modular and where purchased to go in as a single unit, they are faulty and the retailer refused to help, so I submitted a section 75 to Halifax, they have refused it stating that the individual items are less that £100, (4 packs at £35 ea) is this the correct…
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Can a credit card company 'call in' the debt?
Hi, Currently running the rule over the best way to finance some home improvements and to my surprise a Money Transfer on an existing card is looking quite good ( @ 0% for a year + a 2% transfer fee). My main questions/query over this is do credit card companies ever reduce their credit limit with you and then expect you…
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Credit builder cards after the job is done
I've had the high rate credit builder cards @ 40% 35% cards but my credit is on the mend now and they have done their job is it best to leave them dormant or close the accounts, how would this affect things in both cases
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Delayed Fraud Reporting Due To Extended Travel
Hi all.. In June 2014 a cash withdrawal was made on my post office mastercard that I don't believe was by me. I was travelling, but not in the place where the withdrawal was made. I can also prove this. My travels were over a long period (1and a half years), and I did not log into my credit card account due to security…
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Applying for a first credit card whilst employed on a zero hours contract.
To expand upon the thread title, I have never had a credit card before, but I feel like it's about time I start to build some sort of credit file. My plan is to apply for a credit building card (Barclaycard Initial or Tesco Foundation, probably), use it for a few basic monthly purchases and pay it off in full. I am…
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Which of these credit card providers are the most genrous with credit limits?
I know this is tiered to the personal finances of the applicant, but hopefully some seasoned card holders will have an idea at the type of limits offered. Which would you say offered the most generous credit limit of TSB Nationwide First Direct Bank of Scotland (I have newly opened bank accounts with all the above) For…
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Halifax Clarity Cash Withdrawals Abroad
We are off to the USA for 3 weeks in May and will take some dollars in cash but if we need more later on I am looking at the best way to do this. We have a Halifax Clarity Credit Card already but will be using it for card payments purchasing meals, tours, fuel etc. Cash withdrawals are free but interest is charged straight…
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Advice please: Credit Card vs Overdraft
Hi MSE community, I'm about to go on a 3 week holiday to the USA and have saved up £1,500+ in spends for when I'm there. I've got a credit card with a limit of £1,500 but have a balance of £975 on it. I'm worried that if any emergency arrises I'll need a little bit more of a cushion that £525 on the credit card. I applied…
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How many credit cards is too much?
I have 3 credit cards totalling £14k limits. Utilisation is close to full on all so roughly £13.5k outstanding (house renovations). I pay just over the minimum payments each month as they're all 0% and I have the money in the usual 'savings' accounts, so no affordability issues. Now they're all full I have had to start…
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Balance transfer card
Hello guys, I just wanna make sure I understand balance transfer card correctly. I'll be very grateful if someone can explain me all about it. If I'll be accepted for balance transfer card 0% interest for 30 months and 3% transfer fee that's mean I can transfer my balance to my current account and then just pay more than…
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tesco credit card upcoming t&c changes
Seems tesco in a bid to get their profits under control are activating numerous negative changes to their cc conditions. I will paste below. Note regarding the balance transfer fee's I think if currently in a zero rate interest period the fee increase does not apply as its a promotional period, but don't rely on my opinion…
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Allocation of Payments.
Hi. I'm hoping someone could help. I can't quite find the exact answer.. I have a credit card which I transferred a balance to. The 0% promo rate ends in 2018. I've been offered a balance transfer on the same card but with a 0% promo rate that ends 2017. Let's say (to make it easier to explain) that I transfer £100 onto…
