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Cancelling credit?
Hi all In the past we have tried to shift debt to lower or 0% cards and ended up spending on the old cards (I know!!! I know!!!!) so I'm trying to be good now and work out how to get out of this rut! So what I'd like to know is, can I close or cancel a credit card, whilst it still has a balance? I would continue to make…
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Are Charge Cards the same as Debit Cards?
I tried googling for an answer but didn't find one for this so I'm hopeful someone here knows about it. Thanks.
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Interest free credit - consumer protection
Hi there, just looking for some clarification. As someone who uses my credit card for just about every large purchase I have made, I enjoy the safety of knowing I am covered by Section 75 protection on my card such that if something went wrong with my purchase and the re-seller was not prepared to help, I could claim the…
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Money Transfer, and back again?
Currently Tesco have indicated I have the chance to do a 0% Money Transfer (with a 2.99% fee) until March 2018 I have an outstanding Balance on this card which i believe the interest free period is going to expire (approx 3.5k) If i take out a Money transfer to my current account of say approx 3.5k, then pay it back to my…
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Garage can't take credit card
Hi All, I had to take my car in for emergency repairs at a cost of £400. The garage have just called to say it's ready to pick up but the Internets down and they can't take card payments. I am annoyed as although I have the money in savings I had taken out a 0% credit card to cover the cost as I have a move coming up and…
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Advice for paying off credit card
Hi, I've had a Very Good credit rating (Experian/Credit Club) until now. We recently redecorated our entire house, and decided to make use of some 0% credit agreements (kitchen via Barclays, bathroom stuff via PayPal). I also made some payments on my credit card, and for the first time will need a couple of months to pay…
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Barclaycard money transfer to bank account
Hi all, Quick question...if I do a money transfer from my Barclaycard to my bank account (they currently have a good promotion on, low fee and interest free until 2018), does that show up on my credit file in the same way that a cash machine withdrawal using credit card does? I remember when I applied for a mortgage they…
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Amex Platinum Cashback thresholds
Apologies, I assume that this probably has been asked before but I can't find a relevant thread. I have the Amex Platinum Cashback credit card where it pays cashback of 1% on the first £10,000 then 1.25% on purchases over £10,000 but can anyone clarify whether the £10,000 spend resets on the anniversary date, or is it on a…
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Section 75
Hello all, Im after some advise. The story begins by us purchasing a boiler to be installed at our house due to the old one conking out. After installation we were happy with the job and then decided to go out for the day only to come back to the house being in 4 inches of water. This has been caused by the pipework the…
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How to quickly reach spending requirements
I need to reach £10,000 for my Amex BA Platinum Plus to get my companion voucher. I want to spend that as quickly as possible so I can cancel the card and get a pro rate refund on my membership fee. What are some good way to do this? Some ideas I had: HMRC taxes. If you have your own business, you can pay certain taxes…
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Credit Club - 0% Cards
OK, I have a genuine reason for needing a new credit card - my wife wishes to pay for her Open University course on a 0% repayment rather than OUSBA which is a credit account (5.1% APR) and as the "Credit Club" (well worth it btw) offered me a decent handful of 0% cards, it was easy to take the one with the longest stooze.…
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Very.co.uk
Hi, Have had a few things on buy now pay a year later at Very. I have paid most of them off and have roughly £600 left. Now I could afford to may it off in the next couple of months but there is a high chance i will be moving and want to save as much as I can for that. On my ClearScore account I have a CR of 507. I have…
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Balance Transfer advice
I got an Aqua card and Ocean finance last year to start building my credit, was doing ok till xmas then unexpected home repairs meant I spent more than I could afford to pay the full balance each month. I've still being paying more than the minimum and nowhere near my max limit. I don't like paying interest especially at…
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Starting a business using credit cards
Hello everyone In the last months i`ve been thinking to open a business but feels like i am not ready financially (never ) saved a little but not even 10 % for what i need . Would you think that financing a new business with money from a credit card would help for the start , or i`m gonna bury myself in debt
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Pay credit card with other credit card linked to Curve
Hi, Does anyone know if I link credit card A to Curve, can I pay off credit card B with Curve? And if so, will it count as a purchase or cash withdrawal? Many thanks
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Halifax 0% credit card, 2.98% transfer charge do we pay it straight away?
Im looking to transfer my old credit card debt to a new card like the hailfax 0% credit card which they say they will charge 2.98% for this service in the first 90 days. Does this mean i will pay that 2.98% of what i transfer as soon as it is transferred over? Also these 0% cards say they transfer with most other credit…
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Making an offer
Helping out a family member. She has a Vanquis card with balance of £1400. When the card was taken out 4 years back she paid the ''repayment option plan'' fee and when her life fell apart she activated it and for 2 years Vanquis froze the account. 2 years is the max. She has worked hard to become self-employed and is doing…
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Credit Card for Children
Hi My 15 year old son is going on a school trip to South Africa soon. He will need money for food. Are there any credit cards I can get for him? If so are Pre paid the best or can I add him onto my credit card, as I have a halifax clarity card and pay no commission. I trust him, my worry is thieves etc. What's peoples…
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0% credit card transfer subject to circumstance?
Hi guys i have just joined the MSE Credit club and found my credit score is fair 864 but my other says v weak. I owe 3,400 on an old virgin money what was 0% for a year 2-3 years ago, hit a bad time, abused the card and hit a downward spiral from there. Im now paying 23.21% apr atm and when asked today virgin told me the…
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Balance transfers
I hope this is the right place to post this. I have a Barclaycard with £2,100 outstanding and a Santander card with £1,900. I want to balance transfer Santander to Barclaycard, which will clear Santander and leave a balance of £4,000 on Barclaycard. Then move £3,000 back to Santander. The hope is then that I will have paid…
