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0% Credit Card vs PCP Used Car Finance
Hello, The Situation: * Need to buy a used car as we are losing the company car (around £13000) * Have savings to use as a deposit (Upto £4000) The Plans * Plan A We get a 0% purchase 27 month credit card for £10000 and then pay off double the expected depreciation of the vehicle over the 27 months. At 27 months we either…
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Cash balance transfer
Hi i was looking for a little advice please. i have several credits cards that we are paying down. My barc card has some of the balance at 0% and some at 15.9% (about 4.5k) now they are offering a 0% to sep 17 cash balance transfer with a 2.9% fee. all my remaining cards are at 0% My question is can i take the offer and…
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Timescale for section 75 claim handling
I partly paid for some windows and doors on a cc. Some are faulty but the firm have gone bust. I contacted my cc company about making a section 75 claim and supplied all the info they needed on 3rd March this year. I've kept asking what is happening but was told they would be in contact "shortly", then in 2-3 weeks (6…
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MBNA/Virgin Credit Card
Afternoon All, Years ago I applied for a virgin credit card which I had for years with no problems. This was then changed to MBNA, I'm sure they sent me bumf on why but I can't remember. Anyway had my MBNA for a few years and have a balance to transfer, could I apply for a Virgin card again or are they still affiliated…
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amounts in dispute
Last year (September) I raised a dispute with my credit card company over a charge by the notorious On The Beach travel firm. The charge was reveres but still appears at the foot of mys statements as "amount in dispute". Does anyone know how long these amounts stay in dispute before the charge is either cancelled or…
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Poat Office Customer Services anyone spoke to someone who is effective?
Are post office credit card customer services a few people sitting in a room without a clue? This is the impression I have after four telephone calls, all with conflicting information, all questions are met with I don't know, or I don't know which department does know, and all calls are ended with you will need to wait and…
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big ticket item
My credit card is rarely used and has zero balance, but I'm about to use it for a £4k item, just to get the extra insurance if things go wrong. However, the retailer has informed me there is a fee of 2.5% for using my card, and this amounts to an extra £100 on the bill, which seems extortionate to me. Is there any way to…
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Creation Card yes-no ?
Hi everyone! I am new to this forum and need some help regarding applying for a credit card. Thanks for reading my message! As I read through topics here I kind of lead me to the idea that a Creation card is hard to get. Anyone of you has an experience with them? What about their different card types? Is any of them easier…
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Loading pre-paid debit cards with Amex credit card - purchase or cash advance?
I'm looking at paying a HMRC VAT bill (circa £4.9k) and wanted to use my BA Amex to hit the spending target and collect avios. HMRC don't accept Amex, so I'm looking at perhaps using the Amex to purchase and load a pre-loaded a visa debit card, and then pay this bill. 1. Will this work and what pre-paid debit cards can you…
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New Credit Card Enquiry
Due to a recent bereavement and having to use any savings to get back on an even keel I now find I have nothing to fall back on if something goes wrong (car, home, etc.). Enquired about a credit card with Santander - they started to ask the usual questions including have you any CCJ's or bankruptcy in the past 6 years. I…
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Getting a new credit card
Hello all, I am thinking of getting my first credit card and need some advice. The reason behind my decision is purely for improving my credit rating. I already have a TSB classic plus bank account and use the 5% contactless cashback offer on roughly £100 every month and my remaining monthly spend is usually quite low, say…
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Credit card before mortgage
Evening all, I'm looking at getting my first credit card. It's purely for cashback purposes and having just opened the Halifax Reward Account I'll be trying for the Clarity Card. Me and my partner are, however, also in the process of looking for a house. It could take a month, but it could take a year, we're not in a…
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4.9% for life balance transfer advice
Hi I hope you guys can give me some advice. I have the following cards on the go: - MBNA 4.9% for life Halifax 18.9% (this card is closed with a balance as I rejected them linking my interest rate to bank base rate) Virgin - 0 balance and they have just offered me 4.9% life of balance transfer I really would like to take…
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Shifting mastercard to mastercard?
Hi, This is my first post on here so here goes.. I'm paying off a £3500 Tesco MasterCard which is on a 0 per cent purchase rate at the moment. Needless to say I realised before hitting the credit limit I needed to stop spending and start paying it back faster! I know the 0% is ending soon and want to shift the debt to…
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Halifax Clarity CC used to pay off loan?
Hi all, I have a Halifax Clarity CC. Do you know if i can pay off a bank loan (With Santander)? Then i want to do a CC transfer to the AA CC i have which is 24 months at 0%. Is this possible?
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Halifax Clarity C.C. and Halifax Rewards account
I clocked this today on Martin's site - My highlighting of text in red. I've never previously made a connection to a £5 cash reward for using a Clarity card where the holder also has a Halifax Reward account with a £1,000 monthly pay in. To my knowledge the Reward current account has a £750 minimum deposit for a stand…
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Min payments on credit card
Hi Got a letter from Halifax the other day saying they have noticed I have only been paying minimum payments on my card for a few months. This is true, balance is about 250 pounds have have just left it after bringing balance down from about 2500 from about October last year. Them sending me this letter, is that a problem…
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First credit card bill in UK
Hi everyone, This is my first post on this forum. I moved to the UK about 4 months ago. I'm originally from Australia. A month ago I got approved for the Aqua Reward credit card, with a starting limit of £300. My first statement arrived today and the minimum payment required is only £5. The main purpose of getting this…
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Balance Transfer advice
Hello, I was wondering if anyone could provide some advice please (it's my first time writing on a forum so apologies if this has already been asked - I have tried searching for the answer). Do you know if there is a limit on the number of balance transfer credit cards you can have? My reason for asking is because I have a…
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First time credit card
I'm trying to decide if it'll be a good idea to get myself a credit card. I've never had one before, so I was thinking if it'll be wise to get one. All I know about them is that you can borrow up to an agreed limit, and you get charged interest if you don't pay back in full. But all these terms and numbers like APRs and…
