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Using credit cards for as apposed to a small business loan.
Hi all, I'm looking at acquiring a franchise in a small business. The cost involved is relatively low, at around 16k. A small business loan would be the obvious way to go but I'm wondering if it might be worth investigating a 0% spending credit card deal, spread over a couple of cards. The business loan would be 9.9% over…
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Bait and switch promotional BT rate
***Disregard this post, barclaycard were very good scroll to the bottom for update*** Hi I use MSE balance transfer page to get the best deal. Went for barclaycard which was state <1% BT fee on balance. Well after going through the forms it sprung up 3.5% as the fee. I should have declined and applied for another card…
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Balance transfer & overdraft?
My husband and I have a credit card each and a joint overdraft. The interest on my card and the joint overdraft is quite high and I'm paying a lot of interest so we were considering applying for a 0% card to transfer the balance of the 2 credit cards on to and get them paid off. Is it possible to include the balance of the…
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What to do with Amex cashback after first year
I was just wondering what people do when their Amex cashback/points cards come to their anniversary date? My OH has a card, on which I am a named cardholder. He originally got a Platimun Cashback card with a £25 fee. That card gave 5% cashback for the first 3 months, followed by 1% cashback up to £10k spending and 1.25%…
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BA Amex premium plus
Hoping to sign up for this end of Feb. This is the earliest I can do it, as will be six months from cancelling the gold card. My main aim is to get the companion voucher, as well as the usual sigh up bonus incentive. I see the fee is now £195 annually though.:( Do people think the companion voucher plus the other benefits…
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Starting credit limit on a Tesco foundation card
Hello, is anybody who currently owns a Tesco foundation card able to share what their starting credit limit was/is? Everything I read seems to be £250, just wondering if anybody has been given anything more?
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Barclay Card
Just wondering if anyone can point me the right direction. I have a Barclaycard credit card which has a small balance but I do pay interest on it. I was looking to get a 0% balance card and when doing this on here it comes up with Barclaycard 0% balance transfer credit card. My question is what is the best way of going…
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Unrecognised transaction - LIANYIN*TODAPPARELU SHENZHEN CHN (Sainsbury's)
At the start of each month I go through my accounts to see what my total balance was at the end of the month. I've just done that & found an entry i don't recognise on my Sainsbury's credit card. I've been in touch with Sainsbury's just now to see if they can provide more information. They were very quiet on the phone but…
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Beware Tesco Credit Card and their "offers"
Tesco credit card is normally my everyday card. Spend everything on it and clear in full every month. Never pay interest. Currently have been using a couple of interest free on purchases cards so the Tesco card has been a bit redundant bar the monthly netflix payment. So in November we bought a small chair from Tesco…
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Best Card/account to use for Android Pay?
I am currently a Barclays customer, and they have gone their own way with mobile NFC (contactless) payments. When Barclays own app works for contactless payment it works brilliantly. The one gripe I have is that it too often requres me to go through the sign-up registering process too many times. I understand the security…
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Credit card to build average credit score?
Hi All, I took a look at my credit score and the only "Negative" I have on it was that I don't have a credit card. My score isn't bad so I don't need a credit card that is only tailored for those with bad credit but I would like one which will build my credit (I'm just going to put petrol on it and pay it straight off…
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Money transfer cards: effects on credit rating?
At the end of last year I was experiencing some mental health problems which led me to some truly foolish spending behavior. I never defaulted on anything or went over any limits without any permission, but I had to negotiate two emergency overdraft extensions in as many months to be able to pay essential bills. Now I’ve…
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Paying a loan off with a credit card help
I have been looking at my finances and i was planning on repaying my loan extra each month hopefully reducing the term by around 6 months. Anyway today i stumble across tescos no fee balance transfer card , i checked topcashback and if my application was successfull i would get £35. I applied and it was accepted straight…
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Are they just chucking credit at people now?
So i have been paying off all my debt since 2012, £55,000 :eek: and its all gone now except my Lloyds credit card, with a balance of £3300 (down from the £8200 i owed back then). I do have 4 defaults still on my file from 2012 :( I'm a lot better at managing my money now, and since i do all my shopping at Tesco and fuel…
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payments on MBNA money transfer/balance transfer combo card
Hi I have just applied and been accepted for an MBNA balance transfer card. The money transfer is 0% for 20 months The balance transfer is 0% for 43 months. How does MBNA apply their payments when both promotions start at the same time? I can pay the whole balance off in 20 months, but it would be nice if I could have a…
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Contactless cards
Is anyone else annoyed at the lack of opt-out for contactless payments? I cannot find a card, credit, debit or charge where I have an option not to have the contactless facility. It is my account that the banks and card companies are making vunerable to low level fraud or accident, I now have to look at every transaction…
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I think my Lloyds Credit card is still open?
I contacted Lloyds Bank around September/October time to close my credit card down with them, they accepted this and told me I wouldn't be able to reopen it and so fourth in which I know, and then that was that. Although I just received an email telling me that I haven't checked my online statements in three months, and I…
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Suspended credit card account
Oh dear - 2 days late with a payment to my MBNA card and my account has been suspended. 0% promotion stopped ... will take longer to clear my debt. Is it worth me appealing to MBNA to reconsider the suspension??
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Claiming back cost of air flight from credit card provider
Hi there - Would anyone know whether I could claim an air flight delay from my credit card. I was delayed last Friday at Gatwick due to fog and was six hours late arriving at my destination. As the delay was due to weather I understand I cannot claim it from the carrier or my travel insurance. The all-in flight cost…
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What should I do now
Just tried to apply online for a Halifax credit card to do a balance transfer. I filled out the form and confirmed then waited 45 minutes for it to do the credit clearing.it said it would take a few seconds. I got fed up of waiting, it just kept on telling me to wait. Eventually after the third time of asking me if I…
