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Asda credit card
So I have been using an Asda credit card as it gives cash back, Last month I never pad the full balance I left a small amount owing. I was shocked at the interest they charged so I rang up Basically if you spend £1000 and pay £900 well before the payment due date leaving £100 owing. You are charged interested on the full…
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How long?
Hi, just wondering how long between posting credit agreement would you normally get credit card/pin no.? The credit agreement was posted over a week a go and I haven't heard anything since. I'm starting to get a bit twitched that they could have been posted to the wrong house. I was going to give the company a ring when I…
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Lloyds bank avios rewards card
Once I have the card do I need to link it up with my avios account somehow? Have tried but can't seem to find anywhere to do it on the avios website.
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Halifax clarity credit card for purchases abroad
Hi all, I had a bit of a thought. I'm going to New York in January with my sisters and a friend and thought about changing up about £500 for eating/drinks/tips and £1,000 to spend on myself and gifts. However, I don't know what I'm likely to want to buy. I don't plan on going back to America any time soon or know anyone…
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help! Refused Credit Cards
Hello, I would appreciate any advice. I currently have 2 credit cards that I need to transfer the balances of. So far I've been rejected for 2 applications. I think this is because I've had to create payment plans for a lease car and my mortgage due to being on maternity leave. The interest on my cards is killing me. I'm…
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Moved from overseas - can't apply for an Aqua credit card?
I recently moved to the UK from New Zealand. I'm looking to build a credit history and according to the MSE eligibility calculator, would be 95% likely to be approved for one of Aqua's cards. Great! Except that when I go to fill in the application on Aqua's site, it insists on having my previous address (since I've lived…
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What do I do?
Hi - My Husband was about to apply for a balance transfer credit card to shift debt but had a massive heart attack last sunday. He is still in intensive care and will remain there for quite some time and will then be in hospital for several months. I am trying to get finances under control on his behalf as he has £2K…
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Using a 0% credit card to pay off a car loan
Hi, I have an outstanding car loan that I'd like to transfer to a credit card, to save on the interest. I've had a look at other posts; but couldn't find a clear answer to the question of what type of card to apply for? Would it need to be a balance transfer? Could I get a 0% purchase card and just ring up the company to…
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Which Amex? Can i change?
Hey guys didnt really think this through before hand, here goes. Applied for an AMEX Platinum card, said refferred didnt give istant decision, to be fair didnt think i was going to get accepted as my credit file isnt the greatest although last 2 years are good and getting better, still have a ccj to fall off just over 14…
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0% money transfer as a balance transfer loophole?
My Barclaycard is offering 6.9% lifetime balance transfer and 0% money transfer till Jan '18. Both have same transfer fees Is there anything to stop me transferring money to my bank account and then paying off my other credit card to in fact get a 0% deal?
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Rsa Security - 82p pending - again
Last month I had a pending amount for 82p from Rsa Security which I did not recognise my credit card. Contacted Barclaycard and they said it was an unauthorised transaction and cancelled both my cards and issued new ones. Now tonight I see the same amount of 82p pending from Rsa Security again. I will contact Barclaycard…
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How to build your credit score using a credit card?
Hi all, I understand that by using a credit card and paying the bill in full each month, you build your credit score. Is this correct? If so, does this apply to someone who uses a credit card as an additional holder? For example, if I am an additional card holder on someone's credit card account and they pay the bill in…
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Capital One statement during 0% period
Hi I've recently got a Capital One card for 4 months 0%, which they've confirmed ends in March. I've made 2 x purchase transactions on the card since I've had it. My last statement generated says minimum payment of £14 (just 1% of outstanding balance!?) will be taken by DD Under the 'interest rates' if the balance is not…
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Paying remaining balance/amount by DD or bank transfer when 0% offer ends
Currently, I have a 0% credit card with a direct debit payment that is set to minimum. 0% offer ends in April. I was thinking of which method is the best to pay off the remaining amount/balance:: Pay it bank transfer Pay it by DD (if this option is chosen, I will be changing the direct debit option from minimum payment to…
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To balance transfer or loan, that is the question?
Looking for some advice/suggestions please? I have 2 credit cards, capital one (balance of £2700) and barclaycard (balance of £7200). Neither are no longer on 0% interest so I'm paying minimum payments per month of £76 on one and £179 on the other. I need to transfer to either another 0% card or loan. My concern is that…
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Spending after statement date
I'm not really sure why I do this but I don't spend on my credit card after the statement date, so statement is produced on the 18th of the month and I won't spend on that card until I clear that bill on the 1st of the following month. I take it this is stupid? Think I may have started this trying to improve my credit…
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Limit transfer
I have a HSBC student card but the limit is only £500 and it can't go any higher. I was looking at getting an aqua reward card. Would I be able to transfer the limit over to aqua? So if aqua give me a limit of £500, I would transfer over HSBC and get £1000? Thanks :)
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M&s bank
Alarmed to be written to by M&S BANK Customer Services director advising me that my wife--an additional M&S cardholder needs to send extra identification--she has had her card for years! The letter is sent to ME for action- the main cardholder. There are two enclosed seriously complex documents that need attention and…
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Virgin credit card
Applied last sun after being told I had been pre-approved on here.didn't get instant decision and still haven't heard anything 5 working days later.anyone else has similar experience.I have excellent credit history.only been turned down once in past for john lewis card.
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Tool or spreadsheet to calculate how much to pay off when?
Hey, I'm trying to plan my finances to pay off my credit cards. I'll be honest and say i'm in way more debt than I should be. I currently have 5 cards - everything is interest free at the moment however. The issue is, i have multiple end dates for promotional periods for each card plus additional mixtures of promotional…
