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Credit card or loan???
Hi everyone I currently have around £5k debt (car finance, overdraft, 1 store card) that I want to consolidate. Could this be done with a credit card??? Any advice would be really appreciated I am eligible for 0% balance transfer cards and other credit cards but not sure I could use these for my debts??
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Barclaycard Indian Call Centre..should I regret my choices now?
So I was using the Lloyds Avios credit card for most of this year, but I figured out that they also have terrible customer service, but at least their call centres are English! I chose Barclaycard Freedom Rewards because I use a lot of their partners so earning points will be quite easy, easier than Avios. Although I just…
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Balance transfer - which balance?
Hi folks, I have a question...I have a credit card with a balance on it where part of it has interest on it (the oldest balance) and part of it is interest free. Now, my question is, if I balance transfer from this card to a 0% card, but can only transfer some of the balance, is it the oldest balance on this card that gets…
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Creation everday credit card for abroad
Got approved a creation everyday credit card as i wanted something abroad friendly, for both withdrawls and spending. Everything seemed great with creation, mastercard set the rate you get for both purchases and withdrawals. And there is a transaction fee on both spending and withdrawals. I decided it would be cheapest to…
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Direct debit not debited?
Ola! I have a 0% balance transfer Hallifax credit card that has a balance of just over 1000. About a week ago, I made a payment of £300 against the card which has been debited from the balance. My normal direct debit of 100 has not been taken as normal. I always thought the DD would be taken no matter what payments are…
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Can I use a Broker to get a credit card?
Evening all, Have been going through the MSE website for balance transfer cards, using the handy credit card eligibility calculator. I need to increase my credit for a substantial purchase and this will have to sit on a credit card for now. Applied for my first Credit card in 8 years (Sainsburys) and got accepted as per…
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Two Balance transfer promotional 0% end dates on same card
Hello Forumers! I currently have a Barclaycard with a balance of £3,000, and a promotional 0% on interest ending in November 2017. They have now offered me another balance transfer on the same card, where the 0% interest on this transfer would end in April 2017. I'm looking to transfer another £2,000 onto this (giving a…
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Balance Trasnfer Card - Confused!
Hi all, Really hoping someone can help. I'm looking to help my girlfriend shift her debt from her current Barclay Credit Card.. She currently has a debt on the card of around £3,000. I have read the MSE post regarding 0% balance transfer cards and inputted her details into the eligibility calculator, she had a 90% success…
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Barclaycard potential new features
Existing customers should get a survey by email regarding Barclaycard introducing one of the following new features for their cards, and tell them what you think about it: * Getting 0% for 3 months on any purchases of £150 or more made with a Barclaycard. * Paying a fee of 1% on purchases of £150 or more made with a…
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Error message when using Visa for online payments
Hi there, Hoping someone may know the answer to this, as Visa, MBNA and SagePay all seem completely clueless about an error message that keeps happening when trying to use a Visa Credit Card. After clicking to confirm a payment, instead of the usual Verified by Visa page, the follow message comes up You cannot access this…
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0% credit card help
Looking to use a 0% credit card to purchase a car. Approx value of £10k. What would be the minimum monthly repayments roughly? Then at the end of the term I'd want to transfer the balance to another 0% car - is this possible? Thanks
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John Lewis Partnership Card
Hi all JLP card is our 'everyday spend' card, everything goes on it unless its cheaper to pay by direct debit or debit card. They have recently upgraded their website. Just wondering if others are experiencing the same as me. Pos: can now view and export transactions between selected dates, rather than just the statement.…
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Which is actually the better credit card? First Direct's Card or their Gold Card?
I'm just curious, they have two cards, the normal one and the gold one without much of a difference in what they offer.. Or is there?
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What is a planned overdraft?
Hi, I currently have a £100 overdraft on my TSB current account. I am considering asking them to increase this as I think I may need to use it in the next few months. I am really struggling to understand what it actually means though, as their help website is confusing me. It says that a planned overdraft can only be £25…
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Credit card help needed URGENTLY
Hi im new to the forum and have a serious problem with my card and any advice is greatly appreciated, so 3 yrs ago i started a credit card with mbna and used it to finish repairs on my uk home so i could rent it and move to france to be with my partner, i have paid some of the card off but still owe £2700 and the interest…
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Barclaycard Fraud Check
HI everyone. Just wondering if anyone ever experienced this from Barclaycard. A few days ago, I made a few purchases online, and I was asked to create a Secure password, after which my Barclaycard was blocked. After a quick phone call, everything was sorted. Yesterday, I made another purchase and was asked for this Secure…
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capital one - existing customer deals?
had the card for years, limit over 2k just owe about 300 squid (35% apr I think) which can probably pay off in the next couple of months or might balance transfer elsewhere, is it worth phoning them to a try get a deal, either now to reduce the apr or maybe when its cleared to get a balance transfer offer to clear one of…
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Virgin Money credit card - how long did the application decision make?
Hi, I applied for Virgin Money credit card this morning (first credit card). After completing my application, I received an email that said: Thank you for applying for a Virgin Credit Card. We are considering your application based on the information you have provided, and will be in touch again soon. Just wondered what…
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Barclays Infinite Credit Card?
Hi guys, I was wondering if anybody had a Barclays Infinite credit card. I know it has recently been relaunched (and i'' not referring to the barclays wealth version). It has some awesome perks, similar to Amex platinum, for a lower fee. Seems like that nobody knows much about this card at barclays (Premier relationship…
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Closing down 1 CC to open another?
Hi, seems like a simple/daft question but I've only ever had one proper credit card and never needed anything more. Currently have a Tesco CC which had an attractive 0% period for a number of months. That's long since passed and I continued to use it for the bulk of spending out of convenience. I'm wanting to shut this CC…
