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Using 0% card to pay off car
So I was reading the MSE email and saw the "Longest-EVER 42mth 0% debt shift" section... normally I skip over this as I have no credit card debts that I can't pay off during the month, but it suddenly occurred to me that I do have a debt for my car. I'm using VW finance and probably have about £10k left to pay on it…
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Best credit card advice ever!!
Go into the kitchen, open the drawer get the scissors. Get your credit card, place between scissor blades. CUT ONCE, cut again and again. Gather the pieces and place in the bin. YOU HAVE NOW GOT RID OF YOUR CARD. NOW YOU HAVE TO STRUGGLE FOR A BIT, BUT SAVE A FEW HUNDRED £. THIS SHOULD BE SEPERATED FROM YOUR MAIN ACCOUNT.…
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Damage deposit on credit card section 75
Hi all Hopefully a quick quick question with an easy answer. I paid £500 for a hire vehicle a few weeks ago on credit card, which consisted of £250 for the hire and a £250 damage deposit. The company have had the vehicle back, confirmed it is in good condition and claim they refunded the money to my credit card on 30th…
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Billing address Credit Card
Hi, new to the forum. I was hoping anyone could help me out. I am wanting to get a credit card in the UK but with my billing address registered in Kazakhstan as i will be using the credit card over there. I wan't to make sure that this is possible before applying and knocking my credit score. Any information on this…
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Part transfer of card balance
Hi all, apologies if this is a daft question, but, lets say for argument sake I have 2 credit cards, one with a zero balance and one with (for arguments sake) £5000 owing. Lets also say for easy reckoning that the oldest £2500 of that £5000 balance is already on a 0% deal which I want to leave where it is. Recent…
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Amex unrecognised transaction
Hello everyone, This website and forum has been very helpful to me. With all your advices, I managed within two years to go from no credit cards to multiple mainstream and premium credit cards with very good limits. All managed responsibly. I own an Everyday Platinum Amex credit card. I do not use it much anymore, because…
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Bike stolen - paid on credit card...
My bike was stolen today, have reported it to the Met Police but I'm not confident anything will come of it. Bike was locked up outside Greenwich Uni, I paid cash from my account to the CC to boost my limit then paid the bike company direct from my CC for the bike less than 90 days ago. How do I go about claiming the money…
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using more than one card for paying holiday
Hi all Here's one for you....if I pay a deposit on a holiday using one credit card and the balance using another later on (because a good offer comes along) if something happens to the company, what would happen in terms of liability. Is it proportional or what? Yes it's probably not a good idea but what's the reality…
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Nationwide Select CC for travel
I wondered why the Nationwide Select CC isn't really rated as a travel CC. It has no commission so that's a bonus. Any reasons why it's not more highly rated?
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Paying off car finance - Cresit Card or Loan
I would like to pay off my outstanding debt for my hire-purchase car with either a Credit Card or a Loan because of the current high rate of interest. Is it better to do this with a credit card or a personal loan? The outstanding amount is about £3,500 and I've been told that the finance company (Motonovo) charge a 3%…
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Needing a balance transfer, due to high interest on credit cards
Hi there guys, desperately looking for some advice as I have two credit cards which both are high in interest. Am currently paying £400 a month to them and really only about £100 of that is coming of the actual credit and the rest is interest. It's just taking me so long to pay off and becoming very frustrating. I've…
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Contactless Technology
Last year my bank sent me a new Debit Card which had contactless technology embedded in it. I do not want, nor will I accept, contactless technology, so I phoned them and they sent a replacement card without contacless. Today the same bank sent me a new Credit Card and the same thing happened. In discussion I was told that…
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Purchasing privately with Credit card
I have one of the current post office credit cards. I am hoping to use it for part payment of a car which I am purchasing privately. The seller has no credit card facilities. I'm aware that there are interest charges on cash advances and I want to avoid any additional charges if possible. I,ve thought of using it via…
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Bravo Nationwide!
Got a text at 2am this morning from Nationwide asking if a transaction for £300 odd was mine - the usual press Y for Yes or to phone a number. Went back to sleep as I wasn't going to phone them at that time. Got a phone call at 10am asking the same thing - was it my transaction or not? I said no and after going through…
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Credit Card T's and C's question
Hi, first time getting a credit card. Need it for buying a rail season ticket which extends over several months (so a big expense), and I want to make the minimum monthly payments on this spend so as to lessen the impact on my bank balance. It's a Virgin Credit Card which offers 0% for 27 months on purchases (then 19.9%…
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Amex protection on a card payment for a holiday?
Paying for a holiday abroad. 50% is paid by one Amex card 50% is paid by another Amex card. Any issues with claiming from Amex if the villa does not materialise? Will two cards / accounts complicate matters? I am not going to use a 0% rate card just in case of any issues as I would rather have Amex to fall back on to.
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Credit Builder Card with a CCJ
Hi, I was just wondering as I've set up a DD for my CCJ to be paid off, I have about 6 months left on it and I'm looking to rebuild my credit back up. My question is should I apply for a credit builder credit card now or wait until the CCJ has been paid off? When they say CCJ no longer than 12 months, do they mean the date…
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Aqua - Payments Wrongly Claiming Late Payments
Hiya My wif has a issue with Aquacard but she does not like asking this question online so I said I would do it on her behalf. She has had a creditcard with Aqua for several years now and always made her payments on or around the 16th-19th of each month so they have the required payment on the following due by date which…
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Transfer
Hi, I have a barclaycard which I have had forever it has a £14500 limit on it, I have around £3k owing on it which I can pay off in around 4 weeks. I am looking to change to a 0% interest card, my question is if I change would I still have that size credit limit or would it be reassessed? Thanks Ian
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Best way to use my credit card?
Just a quick question to see if i am using my credit card in the best way to 1, increase the credit limit and 2, increase my credit score and improve my credit file. I have a capital 1 credit card with a £200 limit. what i am doing is using it to pay for a full tank of diesel for my car. i do this twice a month which adds…
