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Credit Card improve Credit Score or Bank Strategy
There's a lot of reasons I think we all want to build up our credit score, and I've read multiple different sources - including this website - that using a credit card and paying it off in full + in time with a direct debit improves this. However, I'm uncertain if this is just a bank strategy to get their customers using…
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Halifax Credit Card Lloyds Banking Group Section 75 Slow
So its been over 2 Weeks since I sent the required Information to Claims Team. Today I received this email. " I have checked with management and your file is still under review and hope to have a decision to you by next week. Should you have any further queries, please do not hesitate to Is contact us." Really not happy…
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Confusion with credit cards
Earlier this year I did a balance transfer to a Barclay card as there was an interest free offer. I didn't realise that this wouldn't apply to my purchases since then. :eek: So now I owe £2800 that is coming out of it's interest free period soon. What can I do to avoid paying interest on this? I'm sorry if this has been…
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AA Balance Transfer Credit Card
Good morning, I've received an email this morning with an offer for an AA Balance Transfer Credit Card. I've copied some of the information from the email as I didn't want to click on any links. I can't see anything on the forum regarding it and wondered if it was legit. Balance Transfer Credit Card No transfer fee and 0%…
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Got Amex now regretting it, advice please...
Hi, I did the eligibility calculator and decided on the Amex Platinum Cashback from the list available to me. I was pleased to see I have a limit of £3000 straight off, never owning a CC before, however, I didn't realise that Amex isn't accepted everywhere like Mastercard and Visa are. I know I could use my bank card if…
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Charged interest after paying off all purchases
I have a Virgin CC that I got for a money transfer to my bank account (0% for 36 months). After the money transfer, I took the balance plus fees, divided by 36 and rounded up to the nearest £10 and set up a direct debit to pay that amount each month, which ensures my money transfer is paid off with a 2 month buffer. Over…
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Clarity Application for Mexico Use
I'm eligible for the Clarity Card at 21.9% which was a disappointment as I'm a safe bet for 18 I reckon, anyway. I'm heading to Mexico for a family holiday at the end of June and was thinking of taking £600's worth of Pesos and the Clarity Card to pay for trips etc and as an emergency back up for cash. Is it any good for…
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Barclays is now on Apple Pay!
I just tried today and both my Barclaycard and my Barclays debit card have been added to Apple Pay :)
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Unable to increase limit
For some reason I am unable to increase my credit card limit, although I have been with Barclaycard for the past 12 months. The initial credit I was given was (and still is) only £400, so I struggle to even rent a car for a couple of days, as they often require a bigger deposit. Payments always made in full and within time…
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Paypal Credit
Hi All, Does anyone else have a Paypal Credit account?, if so have you used to to purchase goods from eBay. Their website states it can be used on eBay however I don't want to proceed to purchase something and find out Paypal Credit isn't an option, or can't find the option to purchase using Paypal Credit. They have an…
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How many transfers of same credit card OK?
Thinking of buying a car and whilst I do have the money in the bank I'd rather as much of it as possible sat there earning interest than have to use it. Was thinking of getting a zero fee 0% credit card (likely Halifax or AA) and then transferring my usual monthly credit card balances to the 0% credit card rather than…
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LTSB Letters
I have been making token payments towards my balance as I am in dire financial situation, they sent me a letter that they will either pass onto a debt collection agency or court action. which one do they normally go for?
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£4K credit card...transfer it?
Hi all, I have £4K on my Halifax credit card and am paying it off roughly £6/700 a month. But the APR is around the 18% mark. So every month getting a small chunk added back on. Therefore what are my best options to clear the credit card ASAP and the cheapest way. I already hold 2 other CC both cleared and not been used…
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Credit card money transfer to buy car...
Getting a new (used) car over the next few months and looking at ways of paying for it. I'm after some opinions on this method of paying because if done right I think it could save a lot of money. I currently have a Barclaycard with no balance and a decent credit limit, almost enough to cover the cost of the car I have my…
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Should I Cancel Card After Balance Transfer?
Morning! I've had a bit of a read through the website, but still unsure. I've had a barclaycard for about 5-7 years, I've just balance transferred everything to a halifax card (who I personally bank with) Should I keep the barclaycard on the back burner or contact them and close the account? I'm 6 months into my first…
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UK Citizen in other EU country and Repayments
Hi, I will be moving to Belgium soon and I am a UK citizen, born in Scotland but have lived in London for the past 4 years. Since I left university around 5 years ago, I have had credit cards and loan debt that I have been slowly working through repaying. I had a bit of a rough bump a few years ago job wise and got a bit…
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Prettygal.co.uk scam
I ordered a dress from Prettygal.co.uk on 2nd March. Wrong dress wrong size arrived 3 weeks later. No instructions enclosed on how to return item. Contacted mobile and email on website at least 10 times.......of course no reply. HELP PLEASE!!! I paid by credit card £23.95 thanks in advance :(
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Po credit card application
Hi guys, recently applied for a 0% 27 months spending card but been asked to provide a lot of documentation which I think is a joke. After doing a search I see it's quite common from boi and to be honest I'm not really interested in pursuing it. I think the request to see bank statements is wrong. Problem is obviously it…
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Halifax CC fraud
Hi I am posting this on behalf of the hubby, he has got a CC with Halifax which since before December has been sitting over its limit due to a reoccurring payment which keeps going out. Now he didn't realise this (daft I know) until February as thought it was due to him overspending at Xmas. Now we have gone through his…
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Should I get a credit card?
Hi all. I was wondering whether it is worth me getting a credit card and was hoping for some advice of people a little more experienced than I am. I'm quite young, not in a particularly well paying job but my outgoings are very little anyway. I don't have a problem with spending and I'm confident I wouldn't get into debt…
