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0% balance transfer manuver
Hi, I have a question about the priority of a 0% balance transfer deal over debt that is incurring interest when paying a card off. I have a maxed out cc that I'm paying 0% on (card A) and a cc that i have lets say £300 that is incurring interest and has a limit of £700 (card B) . Both these cards i am being offered a 0%…
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Amex card to build credit history
Hello, I've done some research into this and I'd like to check with you that I'm not overlooking anything. I'm in my mid twenties and I don't have any debt. I'm likely to be getting a mortgage within the next few years. When I ran a few checks last August I had an almost perfect score on Experian and around 800 on…
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Credit card...HUGE CONFUSION
This is my first thread so firstly hello all 😘 ok so im majorly confused with the credit card. i did a balance transfer and it made the balance at £240.00 so i thought oh i best pay that off now,paid it and ive just checked it and its now gone up to about £500 balance i.dont understand someone please help lolx thank you
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Santander CC
I closed my Santander CC last week and at the end I asked when can I reapply the 15months offerand CC I was told 'stright away' Can anyone confirm that is the case and got accepted?
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0% Balance transfer and AMEX
Hi all, I just tried to do a balance transfer from my AMEX to a Halafax card but I was informed that they can not do that with AMEX. Is there any 0% balance cards that do work with AMEX? Thanks a mill Les
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Help?
Hey everyone! New user, so I throw out the generic forum etiquette apologies if i mess up etc etc... Pleasantries (kind of) done with I'm going to jump straight into it... I've found myself in a position where I need to reach out for help and I figured you guys on here would be the first and best port of call. Situation:…
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How do contactless cards work?
Hi all, sorry if this question has been asked before. I have a couple of contactless cards now. Like the speed and ease of use but do have some concerns around safety. Do these cards constantly emit a signal and can they be a potential risk to human health if they are emitting a radio signal like a mobile phone for…
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balance transfer to reduce debt
Good afternoon all I wonder is someone out there could help me. I have a very poor credit rating and have a MBNA credit card with a balance of £6400. I pay £200 minimum payment each month but am just servicing the interest and not reducing the debt. What I was to be able to do is pay £200 per month but bring the balance…
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Tesco CC repayment on weekend now accepted on that date?
We pay our Tesco CC repayments manually. In the past, if I missed the due date was a non-banking day and did not pay early, we were charged all late payment fees. This happened again in April, and I made an online payment on Sunday, expecting the payment date to be Monday and all the fees on May's statement. But they are…
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Overpaid CC
I have messed up. I have a new Aqua CC with a limit of £600. This is a reward card, so I try to use it as often as possible. I even made a debit card transfer in order to spend more than my limit (paid £150, so I can use £750 limit). After two weeks I used almost all of my balance (£600 + £150), so I transferred another…
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Silly Question
This is maybe a silly question but does the term balance transfer just mean transferring from card to card? I would like to pay off my loan with a 0% card, is this possible? I have done the eligibility checker and seem to be ok to be accepted Thanks Jenni
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Transfer Error
I transferred the balance of two credit cards onto a new credit card. When filling out the form I got a little confused and have transferred 2 x £3,000 instead of 1 x £3,000 and 1 x £2,250. My old credit card now have a balance of -£750. I'd like to just return this to the new card, and reduce the balance on that. Is this…
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New CC! Call up and cancel or just not return the agreement
Got a new CC that I now no longer need (applied for 2) The search will be on my file now but the intrest rate is 28% and I needed it for a balance transfer but now don't. They have sent me the credit agreement to sign and return to complete the application. So do I ring up and cancel it completely? Or just not return the…
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is it a rip off?
Ok so its not a credit card questions that's because I found nothing relating to debit cards. A parking charge notice from a private car park (for shoppers) was sent to a disabled friend who thought blue badge holders parked free as there was no indication on the bays disabled had to pay. They could have paid on the…
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Limit cut to below balance
Balance transferred some money to 0% card from Halifax two months ago. DD set up so minimum repaid each month, and no additional transactions made, just the one balance transfer. Halifax have now sent a letter saying that they're reduced the credit limit to an amount below the current balance. Odd. Is this going to cause…
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First Time Credit Card for a Personal Career Development Loan
Hi Guys, I'm lucky enough to be relatively secure as I am now, but as I am also wanting to move forward with life, I've been looking into as much information as I can about the costs of moving out and living independently. As such, I’m reducing as much as I can from my outgoings, especially if I’m unnecessarily paying more…
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A quick question about off a credit card
Is it better the pay 2000 pounds on to a credit card then use it for 1000 worth of bills everyone month to work the balance down, or is it better to keep 1000 in your current account and only put 1000 on the credit card and not use it at all. Edit: Sorry for being unclear, if you owe 5000 on a credit card and are working…
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Barclaycard 25/25 Plan
Hi Guys, :) Just seeking some advice, which I'm sure ill get more than i did when i actually rang up yesterday to Barclays help line. Basically I am looking at purchasing the Barclays Credit Card 25/25, 0% interest / 0% purchase for 25 months. But just need to know in my own mind there terms and its right for me in my…
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0% BT and 0% Pruchase from same provider
hi i currently have 0% BT card from MBNA which is nearly clear, but would like some 0% spending power, using MSE application pre approval checker i'm "100%" eligdable for the MBNA 0% purchase card, does any one know if is it is possible to have both with the same provider? Thanks
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Mixing balance transfer with purchases
Hello. I am little confused how my future payments will be allocated. I know that mixing BT with purchases on the same card is not good idea, but it is already done, so need to handle it. I have Tesco CC and have balance of £250 which is from purchases. And another £1250 is BT at 0% for the next year. Am I right of…
