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Switching and switching back
I have a Tesco credit card with high interest, but they have an offer for 0% interest for new balance transfers. If i transfer my balance to my old even high interest rate credit card and then transfer it back to Tesco will that work for the offer? Will it be allowed? How long will i have to leave it between transfers?…
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Better To Phone Or Apply Online?
Hi All, Im in quite bad debt with not a great credit score so every application i do needs to count. Just wondering if anyone knows any "trade secrets" and could tell me if it is better to actually speak to someone over the phone, or apply online? Im going to apply for the Tesco Balance Transfer card if this helps? Cheers…
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transfer husbands debit
Hello! I'm new to MSE so excuse me if this is common knowledge and I'm sounding a bit dim. My husband has a long term debilitatiing health condition and has had to quit work. He has a credit card debit of £4700 with Barclaycard. I am now credit card debit free. I would like to apply for a 0% balance transfer and take on…
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Best way for multiple balance transfers?
Hi All, Bit of a complicated (in my mind) balance transfer issue. I have a couple of cards: Virgin Atlantic (MBNA); 12k limit, £0 debt; interest free balance transfer till Apr 2017, fee 3.0%. Money transfer 0% till April 2017, fee 3.0% MBNA Rewards Platinum; 13400 limit, £4500 debt, interest free balance transfer till Dec…
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0% purchase vs interest-free period
Hi, I've been reading quite a lot about this recently and I can't still get my head around it. If I get a credit card with a 18 month 0% purchase period but the T&Cs tell me I've only got a 52 day interest-free period, which one of the 2 statements is applicable? I thought 0% meant, well no interest at all for the…
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Increasing Barclaycard credit limit online
There is an option to increase my limit online. My current limit is £14K. On choosing "change my limit" it asked me for the limit I wanted, my income, employment status, why I want the new limit and to agree to a credit check being performed. I requested £20K. The following screen said they couldn't give me £20K, but they…
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Not confirming an application - Credit downgrade?
My husband has applied for a NatWest credit card to replace one he lost. (He didn't notice for a long time, and they closed the account in the meantime - they do this without telling you.) He was given the right information, but he did this on the phone when reporting the lost card. He has thought about this since and the…
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Purchases during 0% balance transfer promotion
Hi - I have a Lloyds credit card which currently has around a £10k balance which is all at a 0% balance transfer promotion. Normally I never spend on a credit card during a 0% balance transfer but Lloyds have contacted me to say that there is an attractive promotion during October whereby if I use the card on Android Pay I…
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Liverpool FC credit card from MBNA
Hi, I've never had a credit card before but have heard that it's good for your credit score in the future to have one and pay it back on time. I also saw this offer for a Liverpool FC credit card which offers a free Liverpool shirt if you spend or transfer £200 in the first 90 days (the same period which has 0% on…
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Two Barclaycards with two separate user login id
I have two login user ids for two cards. I want them to merge the second login user I'd with first one. That means when I login using my first user I'd I would see my existing card and new card in one login. Is this possible and anyone done this?
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Clearing down CC debt, advice
Hi all So my current situation is as follows: Barclaycard - 9k, 22.9% Cap 1 - 1.5k, 18.9% MBNA - 3k, 0% for another 16mths. I have this morning been approved for a 2nd mbna with a limit of 6k, I applied on the basis that it has a MT offer of 0% for 20mths. My thinking is that I will MT to my bank the full limit and then…
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Breach of contract s75?
Hi, is this a breach of contract? Having bought a used car with low mileage and full service history, (described as excellent condition) within 14 days i reported to the dealer there was a major fault, having then had 3 separate garages identify the same fault the dealer said they would have it repaired, the car was…
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TSB Credit Card Application
Having previously applied online and suffered a 'technical error' after appearing to be offered a Platinum 10 Month Credit Card I today made an application in branch. After what seemed like an age going through the application, including a phone call to confirm a number of details, I was offered the Classic Credit Card. I…
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Who are sst*stshld
I've just noticed that a company with the name sst*stshld has taken money from my account. I have checked online and can't find anything in the way of contact info etc. I have found lots of complaints about the same company taking a lot more money on multiple occasions from other people but no one seems to know who they…
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Which card to switch
I've got a card with £10k on at an ageeed rate of 6.9% for 2 years and one with £5.5k on at the same rate. I can switch £3.5k to a 0% but which one? Reduce the largest balance first or nearly get rid of the smaller one and clear the rest over the next few months?
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Credit Card before Returning to UK?
My wife and I have are planning to return to the UK after having worked abroad for 4 years in Asia. We are looking to get our first mortgage in early 2018 when we return. We have no debts, CCI etc and are starting to check credit reports which all look clean. I was wondering if it might be beneficial to get a UK based…
