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Cash Transfer 0% period ends; how is interest incurred on outstanding balance ?
With no additional spending, just the balance transfer. At the end of a Credit Cards 0% Cash Tranfer offer, transferred directly into a bank Account, does any remaining balance incur interest at the standard rate on the original amount transfered or is the interest incurred on the current/remaining outstanding balance ?
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Lloyds to buy MBNA?
talk of Lloyds buying MBNA.. which would significantly change the credit card market in the UK. http://www.dailymail.co.uk/money/markets/article-3958520/Deal-hike-credit-card-bills-Lloyds-7bn-swoop-rival-control-one-four-card-debts.html in the interests of a competitive, varied marketplace, i hope that Cerberus win the…
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Aqua card application
Good evening Yesterday I completed an online application for an Aqua card via the link on MSE. It appeared to go ok but the last message I saw stated that they couldn't give an answer at the moment and would send something in the post shortly. Fair enough I thought. Then this evening I received a text message stating that…
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Transfer Balance
Hi all, I want to transfer a balance of £3500 from my Lloyds Master credit card. I've looked at MSE entered my details, and seen a few cards that look like they may be ok. However this is my first time transfer, and not sure which card is best. I don't use the card often, but may still use it to purchase things. All the…
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Is Visa Electron still useful for anything?
I got one of these for Ryanair back in the day - is there any point in still having it?
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Credit card after IVA completion
Hi, Am hoping someone can help. I've just been accepted for a credit card after completing an IVA. In an ideal world I wouldn't have one but know that I need to improve my credit rating. I will only be using it sparingly for petrol. I want to pay it all off as soon as the bill comes in, however OH reckons that I should pay…
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Halifax Clarity and Halifax Debit card
Hi, Anyone know what is the maximum amount can be withdrawn with Halifax Clarity credit card and on Halifax debit card? Consider to take out 5k on Clarity card and 5k on my Halifax debit card. Thanks
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Which of these is the best to do?
I have 3 credit cards that have outstanding balances on them. For the purposes of improving my credit score, would it be better to pay each one off in turn, or pay a little bit off each one at the same time? For example, instead of putting £250 on one card, would it be better to pay off £85 on each one if you understand…
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Credit Card to improve rating - Lloyds
Hello, I am just going to use the credit card for fuel etc and pay it off straight away to improve my borrowing rating (?) Is there a particular one I should apply for or does it not really matter?
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Santander Everyday Credit Card 0% balance transfer no-fee time limit?
Hi everyone, I've read Santander Everyday Credit Card description on MSE, on Santander and also in Summary box and in Compare our range. Some of the descriptions are worded implying no-fee balance transfer time limit is the same as 0% on balance transfers e. g. 15 months which is kind of unprecedented ("0% on balance…
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Statute Barred Debt
I am being pursued by Lowells for a Capitol One credit card debt. I have neither paid or acknowledged this debt since 2010. I have sent Lowells a standard stature barred letter advising them to stop contacting me etc I have received a response from Lowells saying that as default date for the account is April 2016, it is…
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Vanquis card design
Sorry to bother people with my silly question.. I'll be quick It says on the vanquis website "if you don't select a card design you'll automatically receive a default card design Which card is the default design? Just wondering
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Cancel, Continue or Increase Limit?
Hey all, In an odd situation here. Earlier in the year I took out an aqua card so I could get fee free spending when I went abroad. As I was a student I was given a £250 limit (Pretty useless). Now I have a job I decided to replace the card with the Halifax clarity (much greater limit for any spending aboard, contactless…
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Creation card - balance payment question
A couple of days ago I used my Creation card - and my frst credit card ever - for the first time - by withdrawing £10 from an ATM. Today it showed in my balance. I clicked "Make a payment" to clear it. This took me to a debit card payment form (which seemed to be the only payment option). I entered my debit card details…
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Santander 123 Credit Card - how much am I paying?
Hi there, I have a Santander 123 Credit Card and it is linked to my 123 Current Account so that in theory, what I spend on my credit card directly comes out of my current account. So how does Santander benefit from this? I am paying £2 a month but the 12% Standard interest rate confuses me. How do credit card work? What is…
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Weird problem downgrading Amex card
After thinking long about it I decided to downgrade my Amex platinum charge card to the preferred rewards gold one, had a chat through the amex secure message centre where they asked me a few questions and told me to call over the phone for the downgrade. So a couple of weeks later I called for the downgrade and another…
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Clairty card In scotland
Forgive me but this is probably going to be a stupid question. Can I use my Halifax clarity credit card in Scotland without any extra fees added on. Haven't been to Scotland before as an adult. Also do they accept England bank notes as well
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Have TSB discontinued the Avios credit card?
I had the Lloyds Avios credit card earlier this year in preparation for a trip away in Europe for a few months, and the general card itself was very useful for me and I used it quite a lot. Though for the £24 yearly fee, once I was home, I didn't really see the point in paying that fee. Plus when I was abroad, I asked…
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New 0% credit card Questions
Hey there Forum, I just wanted to ask a few questions about applying for a 0% credit card. I have signed up with the credit club and I am very likely approved with many banks. The primary reason for this credit card is to buy a new phone (my cheap but reliable lenovo phone died and fixing it was a bit of a disaster) and…
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Tesco foundation card
Anyone know what the criteria for the Tesco Foundation card is? It says it's a card for people new to credit or rebuilding credit but I'd imagine it requires a good history? Anyone been accepted and what was your credit situation at the time? I'm new to credit cards and hesitating to apply or not Thanks!
