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0% Credit Card affecting Credit Rating
Hi all! I am aware that with a normal credit card, any balance left over at the end of the month is liable to be charged interest at what ever rate agreed and this will affect your credit rating/score. My question is: is this the same with 0% credit cards (credit score being affected)? I have read that you should at least…
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Balance Transfer
I am wondering how it works when I have debt on my credit and want to do a balance transfer to a 0% credit card but I am a new mum and no longer working so when it asks about my annual income can I put my husbands salary down or do I just say £0 and I'm guessing this would leave me no chance of getting one?
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using credit cards abroad
Hi I want to take a credit card abroad to pay for meals and then pay it off when I get home any ideas in which one would be best. Thanks
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Balance transfer payment
Hi. This might be a stupid question but Does a balance transfer to a new credit card count as a payment to the previous card? What I mean as as I have to pay monthly payments does the transfer count as a payment. I will make a payment as well but just curious.
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MSE News: Amazon unveils new rewards credit card
Amazon has rolled out a rewards credit card that allows cardholders to earn points that can be redeemed for gift cards...Read the full story: 'Amazon unveils new rewards credit card' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Balance Transfer Error
I recently order a tesco card and was doing a balance transfer when I was activating card from the other card to the new tesco card. However I did not realise that I had already requested this on the application. I have contacted tesco about this as soon as I seen that and they were able to delete the second transfer.…
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Query Credit Card "High to Low" Repayment Allocation
I am currently trying to get to the bottom of a mystery with my credit card provider regarding my credit card interest rates and how payments have been allocated over the years. I think they might have been allocating repayments Low to High % instead of the other way round and wondered if anyone had any thoughts about my…
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Advice on consolidation CC debt
Hi all, New here and i'm looking for a bit of advice on gathering all my CC debt into one place. A little background, I've currently got 3 CC's Tesco, £3,272 with a limit of £3,600 - this currently has 0% interest Lloyds, £4,978 with a limit of £5,200 Barclaycard, £0 on it with a limit of £6200 I also have a loan with…
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Balance transfer deals?
Looking to trasnfer 2.5kto a balance trasnfer card. The longer term at 0% and lowest fee would be ideal. (Up to 1 to 2 years) Any suggestions ?
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John Lewis card on Apple Pay
Last I read , I think on the John Lewis page on Facebook, was that the support for Apple Pay for the John Lewis Partnership card was 'early in the new year'. I realise it's only January 15th so I'm not getting too excited yet(!) but has anyone spoken with them recently regarding this? Finally got my replacement contactless…
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Capital One Credit Cards
We had an advert come up on our computer today saying that you can do a sort of pre-approval on a credit card that won't affect your credit rating if you apply. Went onto the website and got this wording: Our QuickCheck tool can tell you with 100% certainty if you're approved for a Capital One credit card before you apply.…
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Credit Card / Building Credit Rating
I really don't want to be in debt, but I have a low credit score and one day want a mortgage. Is this correct? I get a credit card, with eg: £1000 limit. I spend £50 per month on that credit card. When the statement arrives it says I only have to pay off £5 (as an example) but I pay £50. Do I get charged interest if I pay…
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debt taken away from wescott?
Hi i have a mint card which wescot took over i have now had a letter saying they no longer manage it? What now please? Thanks btd
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CC Newbie - how best to pay off 0% purchases?
I'm planning to make a few big purchases on a 0% interest card with a very low minimum payment. I have been budgeting to pay off these purchases in a set amount of time (ranging from 6 months to a year); this seems the 'sensible' thing to do - pay it off as soon as possible and be done with it. However I can't escape the…
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Making multiple balances transfer between two cards
Hi, I'm new to the forum and I have a very specific question, I have searched around but can't find an answer. My question is can I do two BT between two cards within a month. I have a Halifax card with £700 on it and an HSBC card with £2000. Both have a £3000 limit.. HSBC offer a 20 month 0% interest BT (2.3%fee ) that i…
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Amex £10 cashback on £2.25 insurance policy
I noticed that Amex are offering £10 cashback on gadget insurance. To get this, you need to save the offer to your card and take out one of their policies. You need to keep it for 14 days (so you don't get a refund) and cancel it before the end of the month when it renews. You need to pay with the Amex. The policy can be…
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Question
Evening, Late and im thinking about my debt! I have a Argos card with monthly fees etc. Haven't had a credit card in over 20 years due to not ever needing one. Can I apply for a Credit card and pay off my Argos card? Sorry to seem stupid but this is all new to me and looking to save money where ever I can. Thanks for…
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Will I need the PIN number?
Hi all Not sure if this is the right place to post this. I bought something online using a Mastercard which I only ever use for online purchases. The item is not what I wanted and I can take it back to the store for a refund which would be easier than posting it. However, I dont have the PIN number for the credit card and…
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New Amazon credit card
New Amazon credit card launched this week with a £10 sign up bonus, and between 0.5% and 0.75% 'cash back' in the firm of Amazon vouchers when you reach £10.…
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Aqua Gold card
Has anyone got upgraded to an aqua gold card?
