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Consolidate credit card debts or not?
Over the years, due to poor management and various other factors I've built up about £18k worth of credit card debt. Amongst the cards I have, many of them were the big lenders with good 0% balance transfer rate. This means that I've ran out of lenders to apply to balance transfer and cut down the interest that is…
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Cashback-paying Santander 123 credit card closed to new customers
Card paying 1-3% on spending axed and replaced with one paying just 0.5%...Read the full story: 'Cashback-paying Santander 123 credit card closed to new customers' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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When to spend on which card
Hi all Simply question that I'm just not able to get my head around! I've got two credit cards that I pay in full every month. Card A statement is sent on 21st of each month. Card b is 2nd each month How should I spend using the card to get the longest interest free days?! Cheers
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Not sure if I've been accepted
Hello, I was wondering if you could help. I recently applied for a Halifax transfer card as I have a few balances I'd like to transfer. MSE had me down as 60% chance of being accepted. Went through the application process and it asked me for a credit limit, the offer came back less than that but that's ok. I filled in my…
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which new 0% purchase card
Evening everyone just looking for a bit of advice. At the weekend I cancelled my Santander 123 Credit card since the introductory 0% on purchases was soon coming to an and I was paying £3 a month for nothing really. So looking at getting a new 0% card on purchases. Been looking at two the Tesco credit card and M&S bank.…
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Credit Card - Paying It Off
Hi, I have a credit card and am currently saving for a house deposit and mortgage etc. I know that my credit card counts towards my credit rating and I always pay off more than the minimum every month but I just wondered - if I don't pay off the full balance immediately or soon does that count as a negative against my…
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Interest Free Credit Cards
Hi, I am currently a university student and will be graduating in May 2017 and have already signed a contract to begin a job in September 2017. Currently I have no income however as of September I will have. This means if I was to apply for a credit card now I would be rejected but would be accepted in September by most…
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non payment
Hi Looking for some advice please. I booked a holiday a 6 months ago and made the payment on my credit card and was making the payments monthly with no issues I have now lost my job and cant make the payments . I have so far missed 2 months and I have been told by a friend that as the holiday has not happened yet that the…
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Does a Balance Transfer count as payment?
Forgive me if this is a stupid question! Currently with Barclaycard and my statement generated yesterday with a minimum payment of £55 to reach them by 31 October Yesterday I applied for the Lloyds 40 months 0% card and was approved I will be transferring the balance on Barclaycard to Lloyds this week, obviously the…
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Credit Card data protection
I recently activated a new credit card. Since then I have used it to make several purchases. I have now discovered that the bank has been debiting my ex wife's credit card with my purchases. We both have accounts at the same bank but have never had a joint account there. Her statement shows my purchases and, more…
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MSE News: Ombudsman awards refund to owner of faulty Hotpoint dryer
A faulty Hotpoint tumble dryer owner refused a refund by his credit card firm Nationwide has had the decision overturned...Read the full story: 'Ombudsman awards refund to owner of faulty Hotpoint dryer after credit card company refuses to cough up' Click reply below to discuss. If you haven’t already, join the forum to…
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chargeback
I made a successful chargeback claim against tsb in the wake of the lowcosthioliday collapse. I was pleasantly surprised how quick my money landed back in my account however several weeks later I have received a letter from tsb telling me that the money will be re-debited from my account if tsb fail to recover it. does…
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Barclaycard interest
I have a Barclaycard (purchase) which I have stupidly let run beyond its 0 percent interest limit. I have been informed by Barclaycard that I will soon be paying 20 percent interest. Is there a way I can swap my card? Can anybody give me any advice? Many thanks. Stuart
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Halifax min payment calculation?
Hi all, I posted this yesterday - something that was confirmed on typing this up today as the original subject line was in my cache list but the thread is no where to be found so here it is again...! I'm trying to work out how much minimum payments Halifax requires...My current Barclaycard account is easy to understand…
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Overdraft? Credit Card?
Hi all, So I've got a few things like birthdays etc coming up soon and I am short in funds this month, so I was thinking maybe I should apply for an overdraft, or even a credit card? I don't have and have never had either, so it's all new to me. Basically I want something to use when I need it for small purchases and then…
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Balance transfer for CC £4k and Overdraft £2k
Hi there, I am in a bit of a mess - I have never really been good with money and have a overdraft and CC. I have recently realised I am paying nearly £2k per year in overdraft fees which I could in fact reduce my debt with if I was able to get a CC to cover both current balance of CC and overdraft facility with a long 0%…
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0% balance transfer and interest on purchases (Creation/IHG Mastercard)
Hello Money Saving Experts, Just wondering if anyone else has experienced an issue I just came across (or perhaps my understanding of how balance transfers work is incorrect). Managed to successfully obtain a credit card with Creation/IHG rewards which offered 0% balance transfers for 10 months. I transferred £3500 to that…
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MSE News: MBNA unveils new credit card brand featuring £20 Amazon gift cards
Credit card provider MBNA has today launched a new brand, Nuba, offering two cards that are among the top picks currently available...Read the full story: 'MBNA unveils new credit card brand featuring £20 Amazon gift cards' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure…
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Capital One Apostrophe
Friend of mine has an apostrophe in his surname, but at every step of the Capital One application it removes it. Anyone else had this ? Thanks JG
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I am an idiot
So, when I was younger, I very stupidly ran up a bit of credit card debt. And I have had my head in the sand about it ver since. I know it is time for me to sort myself out. I am in for just over £5k. I now have a mortgage and am in my lowest every paying job (just over £15k per annum) What is the best approach to this? Is…
