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Cashback and 0% purchase credit cards
Just wondering if there will be any issues on a credit rating if you were to have both a 0% purchase and a Cashback credit card. For example, use Cashback card on everyday spending (like fuel, shopping, etc) then the 0% purchase on any larger purchases? Thanks. (From a newbie to all this stuff :) )
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American Express - black file reset
Anyone know the expiration period for a prior cardholder on the Amex blacklist? I had an account about 7 years and entered into a debt management plan to pay it off. About 3 years ago, I received an offer through the post to settle for 50%. I took it. About 6 months I applied again, and was told they wouldn't consider the…
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Credit card off your own bank.
Is it easier getting a credit card issued to you, off your own bank. After all they know your income, outgoings etc from the current account you have with them.
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Santander 123 credit card - using abroad
One of the main advantages, for my family, of the 123 credit card is that it doesn't attract the 2.95% loading on the exchange rate when using abroad. Trawling through the small print(FAQ) on another matter, it appears that this arrangement will cease on 31 Dec 2016 and the 2.95% loading will apply. A call to Santander…
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transferring balances
Say i wanted 10k so i applied for 3-4 credit cards and maxed them all out for the 10k could i then immediately take out a balance transfer card and basically have 10k interest free for 30-40 months?
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What is the balance to pay off card in FULL?
Just want to check that my understanding is correct: The start balance of my credit card at my last statement date was about £300. My current balance is about £1,000. I.e. I've spent £700 since my last statement date. In order to pay off my card in FULL and not incur any interest I believe I need to pay £300 before this…
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Credit rating (not returning application?)
I have no problems getting a credit card and was just about to take out a good 0% card pre Brexit to make some electrical purchases from Hong Kong. I have received the application to sign but since leaving the EU prices have shot up and I'm going to wait until the end of the year and reapply for either the same card or…
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Natwest Credit card
Hello I applied for a credit card on Monday morning. It was accepted and was told i would receive in 3 - 5 working days. I was also told it would appear in my online banking before the card arrives, but this hasn't happened yet. I also haven't received any emails stating my application decision :/ even though i was given a…
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Nattiest Credit card
Hello I applied for a credit card on Monday morning. It was accepted and was told i would receive in 3 - 5 working days. I was also told it would appear in my online banking before the card arrives, but this hasn't happened yet. I also haven't received any emails stating my application decision :/ even though i was given a…
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First credit card
I am currently banking with Natwest but upon advice from a friend decided to try and get my first credit card from Metro Bank. Unfortunately I was offered no credit limit. I am living with my parents and have no direct debits etc which could be a reason why but my credit score itself is very good. My income was again fine…
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Is my new bank account affecting my ability to get a credit card
Hello Everyone, I used to have credit card but the monthly payments were getting very expensive so when I came into a bit of money I paid them off in full and then cancelled them. Since then I switched current accounts. From Barclays to Halifax if that makes a difference and Barclays werent doing anything for me despite…
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Best way to use a CREDIT CARD
What is the best way to use a credit card to boost ones credit? Im hearing conflicting ways SOME people use their credit cards... (i only use it for emergencies....) some use it EVERYDAY (like a bank card) so right now I am not too sure how to use a credit card... as I have every intention on paying the total sum in full…
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Additional Card Holder - Statement Breakdown
Hi, looking at adding the wife to my credit card account to collect air miles together. We want to pay for our own spending and clear the card at the end of the month. What do the statements show? - All spending across all cards lumped on one statement (users go through and split spending manually). - Spends by each card…
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Credit score help 🤔
I want to transfer my existing credit to the 0% 40 month credit cards to help clear to debt down. I'm worried this would seriously affect my credit score. I have checked my eligibility and I can get the up to 40 month via mbna. Which the time limit could change or I have a 95% chance at the 40 month with virgin money and…
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Apply Now links not working
After doing the eligability checker on credit cards, when you click the 'Apply now' button nothing happens. Firefox just simply closes the page, IE shows page can not be displayed.
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Re-apply on current 0% credit card ?
I was wondering, I currently have a 0% Barclaycard in which I did a balance transfer. I still have about 18 months left on this which is good. I wouldnt mind transferring over another credit card to the Barclaycard one...can I do this and still have my 0% interest rate ? by just re-applying with them ? Or would it be…
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0% Money Transfer Balance
Hello, This is my first post in the MSE Forum. I have a question regarding 0% Money Transfer Credit Cards. If I sign up to one of these offers e.g. Tesco Money Transfer Credit Card @ 40 months 0% interest can I then do a 0% balance transfer to a new Credit Card before the 40 months expires? I hope I have explained this…
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Euro payment card
We have received confirmation that we are due a refund of 500 euro's (we had this all agreed before the referendum but its still not been paid to us) is due from Ryanair due to an 11 hr plus plane delay at the beginning of the Month. Is there a way to open a euro account that this can be paid into so as we don't lose out…
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0% HSBC Balance Transfer Card
Hi all, I've noticed an offer this morning from HSBC offering a 0% balance transfer for 32 months. The fee is 1.4% but then this is reduced to 0.75% due to a refund within 60 days. The balance needs to be transferred in 60 days but it doesn't mention anything further about transfers after that initial 60 days. Does anybody…
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Who is a credit card master?
I have money in my 123 account making 3%, thanks MSE. but rather than using the money to buy a £3,500 kitchen. Should I get a 0% credit card to pay it off monthly. I don't fully understand if I can just pay the minimum payments for the 0% period or not. Will I have to pay any extra charges for the one purchase. The Amex…
