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Advice on Balance 0% Transfer
I need some advice on transferring the balance from two credit cards I currently have. I have the following: M&S with £2600 Halifax with £1500 I want to move both to 1 card so I can pay it off on 0% terns and its easier to manage. I tried applying for a Virgin card and was declined for what reason I do not know. I the…
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Paying a friend with a credit card, is this possible.
Normally when I pay friends ( gigs, tickets etc) I get their account no. and sort code and pay it straight from my bank account. Simple and easy. I need to pay a friend my share of a holiday. I've just received my Marks & Spencer credit card. Is there anyway I can pay her in maybe a similar way using this card? (My card is…
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Time to get a new credit card?
After some advice if I may? I have held a Vanquis credit card for about 3-years now and have gone from a limit of £250 to £1,000 within the first year, however I believe I need a credit limit of over £1,000 to help my credit record? I pay off my Vanquis card, in full each month and on average use 10% of my available limit.…
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Confused about terms on (first!) 0% card
So, this is quite possibly a very daft question, but with a lack of any prior experience, I thought some wise moneysaver might be able to enlighten me! Myself and my partner have just bought a house, and need to fit a new kitchen. We'd like to do this before we move in, so we were looking at a 0% credit card as a potential…
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Transfer debt for someone else?
I have purchased a car on a credit card (as I have a better credit rate and higher limit) and my husband is now going to take out a 0% fee free credit card and pay it off over the 24 months. So far so good, however I have kept my maiden name on this credit card so my question is Can he take out the credit card and transfer…
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0% balance transfers-what's in it for the banks?
I am considering a 0% balance transfers as a way of settling a debt at a lower rate. My question is what is in it for the banks to offer 0% balance transfers? Is it based on the assumption that a fair amount of people don't clear the debt within the agreed time? Any ideas? Thanks in advance.
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Paying off a cash withdawal Halifax Clarity
Normally we do not bother paying off the cash, but as we have internet access I thought we woud try to save a few pennies, Today (Sunday 22nd) we took out 100 euros in France. My next statement will be prepared on the25th, previous statement has been paid a few days back. I can see on the "pending transactions" the cash we…
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Credit Card Protection On Balance Transfers
Hi everyone, My credit card company have a 0% balance transfer offer. I want to make a purchase, if I transfer the balance to my current account and purchase with my debit card, will the purchase be covered by credit card protection (it's over £1000)? My guess is no, but I wanted to ask.
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HSBC incorrect interest charged
Please double check your HSBC credit card statements. The bank charged me interest on a purchase (I paid for my car insurance) which was paid off in full, while I have got another 12 months on a balance transfer. The money I paid covered the expense that month, plus I paid a little extra towards the outstanding balance…
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Cancelling credit cards, bad for credit?
When I originally applied for credit cards, I was successful with Aqua and received a phone call from vanquis a few weeks later saying they too, accepted. Fast forward to present... My experience with Vanquis has not been very positive. Calls to them are always very lengthy as they try to sell this or that. Similarly, they…
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Lloyds credit card
I was hoping to transfer onto this card and make one payment per month. I have transferred from Tesco and Santander. Went on holiday and used my Halifax Clarity card hoping to transfer onto the Lloyds when I came back so I only made a payment to one card a month. Discovered the account no for both banks are the same. Can…
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Applying for Credit Cards as Graduate with Little Credit History
Hi, I graduated from university last year and have been considering getting a credit card. I've never been in debt, never had an overdraft enabled on my current account, never taken out a loan with a bank, never owed any money really (minus the humungous student loan of course). I'm aware there's probably not much credit…
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MBNA Default 6+ Years
Hello all! Hopefully a quick one for you. I took out a credit card in my early 20's for a £750 MBNA card. It defaulted at some point and I organised debt management. Could have sworn I paid the final month, however turns out I didn't and moved out shortly after so no letters reached me. According to Noddle, it defaulted…
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Asda Credit Card: Manual Payments reduce DD?
can anyone confirm that they have an Asda credit card and that you can have a DD set up for the full amount, but that if you make manual payments shortly after the statement is produced it will reduce the amount that will be taken by Direct Debit? i have a DD for the full amount set up, as standard, for me, for a spending…
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Charge put back on card after limit reduced..now over credit limit.
Hello I made a purchase online with my barclaycard and as a result of me not receiving the item barclaycard placed a temporary refund on my account while an investigation was made .About a week later I eventually received my item and myself and the online company informed barclaycard of this . However inetweeen of the…
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Credit card protection for a new kitchen.
Advice and thoughts on the folowing much appreciated. I am self building a new house, although the sale of our old house and savings will (I hope) cover the build, purchases with credit cards will be an important tool not least for its purchase protection. I am paying for the new kitchen soon, I wanted to know from the…
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Halifax clarity card
Just ordered a new Halifax Clarity credit card to use abroad,any tips or not to do,s with the card would be helpful as I have always used my HSBC Premier card but it is expensive
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How do credit cards work with cash withdrawals?
In words I'll understand, like how does interest work on these kind of cards? And secondly, I'm wondering how much I'd be charged abroad to use mine.. I have the Lloyds Avios Credit Cards. I applied for it because I knew I was going abroad for a few months this summer, and the card allows for foreign transactions with no…
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How long did your Aqua card take to come?
How long did you Aqua card take to come and what was your first credit limit?
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Credit File Query
Hi, I was wondering about active credit cards and the taboo subject that if they are nil they can be a bad thing for your credit file. If you have say £3,000 worth of credit cards say 2 or 3 with £1000 limits, 2 had nill balance and one was max to £1k limit, would this have a negative affect on your file? If your file…
