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Balance Transfer - Close Old Account?
Dear All, I have just been accepted for a Halifax balance transfer credit card with 0% interest for over 3 years. I have a small balance on an Aqua card that I want to transfer over - by doing this does anyone know if closes the Aqua card down? Thanks
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Credit Card 0% spending warning
To fellow forum users please be aware that certain transactions on 0% spending cards are chargeable. I hope we all aware that drawing cash on 0% credit cards is chargeable but are Money Savers (MS) aware that using a 0% card for online betting also incurs a charge? Please read the T&C's carefully when using a 0% card. I…
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Credit Card in South Korea
Hello All, I'm wondering if you could give a travel newbie some un-complicated advice? I am planning to move to South Korea for 12 months early next year. I've never had a credit card before but i've been told it will be cheaper to take on holiday. As I am not going on holiday but living in a new country I am not sure if…
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Getting credit card to pay partner's debts
Hi all, Do not want to get into a moral or social argument here, but just wondering about the best way to pay off debts in my partner's name. They have a few high interest loans and credit cards. We have a mortgage together and getting married in 3 months. If I was to get a credit card in my name, could I then use that…
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Virgin Money Credit card
Hi, I did the virgin money eligibility check on their own website and it suggested that I have a very high chance of getting approved and invited me to continue my application, This was done on Sunday evening and today I got an email that I've been rejected! I know if I ask them they're going to say please refer to…
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AMEX Points
Hi All, I got an AMEX rewards gold card sometime back but after a year i had to change it to a AMEX credit card as I didn't want to pay the £150 fee. Anyway I have accumulated 54,085 points. Whats the best way to take advantage of avios points from this? I did read somewhere that I could take out a rewards gold card again…
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Credit Cards without associated bank account
Hi all, this is probably a stupid question but I couldn't find the answer elsewhere on your forum. My Santander 123 current account is no longer good value for money for me, but I'm getting lots of cashback on the credit card. If I automatically switch the current account will I lose the credit card too, or are they…
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New credit card interest rate
I'm just after a little advice please. I have a credit card for back up emergencies which I needed for something personal. It says APR is 34.9% and interest is also 34.9%. But as it's my first time using, I don't know how repayments work? I need to withdraw 600. Does this mean every month my interest is 34.9% extra a month…
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Will S75 cover a holiday from hell
Hi, Just returned from a weeks all inclusive holiday with Thomas Cook. Unfortunately there was a sickness bug going round and 4 members (6 in total) of the family became ill, we reported this to the reps and they did nothing. To add insult TC had known about the virus for a few weeks but again did nothing to warn us. Off…
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post office credit card
I already had a post office credit card and when they offered a balance transfer to clear another card I took them up on their offer. I am well aware of the golden rules to follow and made sure I always pay the amount due, never late. They encourage you to use the website, which I did. They always ask you as you log on…
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Slider scale calculator missing
When researching money transfer cards yesterday I was able to use a really helpful tool that allowed me to enter the amount I wanted to transfer, together with my chosen monthly repayment. This then calculated whether I would repay the amount within the 0% offer period. I have looked again this morning and cannot see this…
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MBNA - credit search for Money Transfer?
I've had an MBNA All Round credit card for a year. Last month I requested a £750 money transfer to my current account which went through with no problems. I received notification yesterday that my monthly Noddle report was available and it shows MBNA ran a search on the same date I made the Money Transfer request. I was…
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Credit card at mums address
Hi all Is it legal to have a card at say another address. I have one at my mums which is to stop me from abusing it as I have had debts in the past but I have learnt from my mistakes. But someone at work says they have to be at your own address, as something under the terms and conditions state this,? any advice…
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Section 75 credit card installer or supplier
I hope someone may be able to provided advice on my situation:- we are experiencing issues with a double glazing firm for some windows we had installed. For the job,I paid £100 deposit on credit card (provided card number to installing company) .....however when I now look at my statement, the deposit was debited to a…
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Section 75 Fun - Merchant Pursuing Me?
Alright, I feel this might be a fun one. Alternatively I might have completely misunderstood something here... I had a truly shocking experience with a property management (read boiler repair) company last Christmas. In short they missold their services and thus couldn't resolve the issue. They did eventually fix it but…
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Paying off a loan with a credit card
Hi guys, My wife has a loan with a balance of £4,400 and has 16 payments left. I thought it would be a good idea if she could find an interest free credit card which is also interest free on cash withdraws. That way, she can pay off the loan with the credit card, make similar payments but just minus the interest. Can…
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Cards services for start-up or small business
It is impossible these days to run any sort of business without accepting card payment but for a start-up or very small business the charges can be crippling. I'm paying over £22 a month for a business that is so small that we only have around 25 card payments in a whole year. Can anyone suggest a cheaper service?
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Balance Transfer from Vanquis to Aqua possible?
I have a balance on my Vanquis card but my Aqua is empty. Aqua keep sending me emails to transfer a balance. Can I transfer from Vanquis to Aqua or are they the same company? Thanks
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Getting a new deal on existing card
I have a Lloyds credit card which I have just cleared as the 0% was coming to the end. What are the chances of being offered a 0% purchase deal on this card if I ring them to cancel or don't Lloyd tend to do that? I have never got an offer when cancelling a card in the past but this one has a 'healthy' credit limit I would…
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TSB credit card
Hi All, I'm a new TSB credit card holder and have recieved the text below in an email. I know the Classic Plus interest rate is soon to be cut, but it makes no reference to it and I'm wondering whether those with both will enjoy a better interest rate? Alongside your other benefits, you also earn 1% cashback with your…