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Pay off credit card in full ???
I currently have two credit cards, one is a Barclay card and not used for a long time the other is a Halifax card with 0% on purchases which is due to expire in 3 months’ time, credit limit 8k with 5k used. Normally I would wait a bit before looking for a new 0% deal but I think I have a good chance (famous last words)…
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Barclaycard refugee
Found out about Barclaycard getting rid of their amex cashback credit card, so been looking around for a replacement. Candidates look thin on the ground now, Amex do a few promising ones, the costco card seems like the best, no fee, 1% cashback in costco vouchers, up to 3% for other things, don't have a costco near me tho.…
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Amazon.co.uk automatically stores credit card details
Most online shopping sites I use offer the option whether or not to have credit card details stored on the site ("for easier check out next time"). I NEVER want my details stored online - but Amazon automatically stores them unless I log in again to delete my card after every purchase. I think customers should always have…
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Clarification on the MSE Eligibility Calculator
Hi guys, I was speculatively looking at the 0.5% MBNA money transfer card: [MSE]/loans/cut-loan-overdraft-costs (borked link because I'm not allowed to post them). But the eligibility calculator gives me 0% chance - 'you're not eligible', says it could be income or age or a few other things. They state a minimum income of…
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payment using credit card for windows deposit
Hello, We are buying doors and windows from a small company. they are asing 50% deposit. My concern is how can i protect my deposit if the company goes out of business before supply of the windows. Company is using paypal to take our deposit. my query is will our deposit be protected under section 75 of consumer credit act…
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Credit card protection from estate agent payment upfront
Hello all, Putting house up for sale and have found an agent who seems to fit the bill. They offer 2 fee structures, payment upfront which is 40% cheaper than payment on completion that they offer. I did grill them about taking the cash and then sitting back and not working hard to sell the property, they assured me that…
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Vanquis cashback
The terms & conditions on Quidco state: Does this mean I must make a single purchase of at least £50, or would a statement balance of over £50 qualify?
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Lloyds Choice Card/s
I've been looking at the choice card/s by lloyds and I'm wondering if it a good card to have? The point system seems fairly good and I also have a club lloyds account, which would half the yearly cost of £24 to £12. Also the card currently has a 0% purchase offer for 29 month, so I could potentially stooze money in the…
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clearing credit card in full each month / partial payments?
in terms of a credit file showing consistent 'borrow & repay' and therefore helping to build up a positive credit history, is it important to clear a full monthly Amex balance by DD, or would it be just as positive to spend, leave the DD for the full balance in place, but also make payments to the account during the month?…
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Help with old cards
Hi Guys, Could I get some advice here. I am a bit of a card tart. I opened a capital one card a few years ago to boost my credit rating as I never had a credit card before. It has a limit of £1000 and has not been used it approx 2 years and the balance is 0. I also have opened a Halifax credit account with a Credit Limit…
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Best CC for building credit history?
Planning to purchase my first home after April 2018. Currently only really have a mobile phone contract on my credit rating so looking to add a bit more evidence of being able to repay before I apply. What credit cards would you recommend for this purpose? I'm currently looking at the Tesco Purchases Credit Card which…
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Increasing Credit Limit
I have just got a Nationwide Select credit card with 0% purchases and balance transfers. Does anyone know if I can increase my credit limit before the 0% expires 12 months from the opening date?
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Direct Debit for Credit Card
If I set up a direct debit to pay my NatWest credit card I have two choices as follows: • Minimum/fixed amount – payment is claimed 25 calendar days from statement date or shortly afterwards • Full amount – payment is claimed 15 calendar days from statement date or shortly afterwards I do not know if all credit cards have…
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Being unfairly stuffed by Credit Card....advice appreciated!
Hi All, Like many I'm a busy person, have lots of cards, accounts etc but, in over 20years, I have never paid a penny in interest. This is mainly because I only spend on the cards what I can afford and I do it this way to free up my cash for interest and gain airmails etc. This is all fine until one day, as happened in…
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Vet Bills :(
Monday our new pup had an accident and fell off the sofa hurting her leg, we haven't insured her regardless you can't make a claim in the 1st 14 days anyway.... but in terrified the costs are gonna get bigger and bigger incase we have to go for X-rays, up to now she's on pain relief What do I do? If I get a credit card Im…
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Scottish Finance Direct Debit
Hi wonder if anyone can help. Not sure if this is the correct forum, if anyone can point me to the correct one... My late father had a direct debit for £30 a month initiated in 2009 to a Scottish Finance. There are no paperwork details we have been able to locate and a Google search for scottish finance with a number of…
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Paying by PayPal vs using your credit card on PayPal?
I just read this article (http://www.moneysavingexpert.com/news/cards/2017/04/revealed-section-75-credit-card-protection-may-fail-due-to-payment-processing-loophole---shoppers-beware?utm_source=MSE_Newsletter&utm_medium=email&utm_term=25-Apr-17-33563917&utm_campaign=nt-oneliners-one&utm_content=7) and I wanted to get…
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Balance transfer FROM AA to MBNA
Hi all, I want to transfer my debt on my AA interest free credit card to an MBNA to take advantage of their low transfer rates. I’ve read some old threads saying they’d experienced problems with transferring debt from AA credit cards. Has anyone had any success on transferring from AA? I’ve already taken the MBNA card out…
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Mums ran up debt in my name and won't pay
Hey, 2 years ago my mother went behind my back and gout out a number of catolgues in my name, and maxed out all of them. I only found out last year, when she wes very apologetic (she's blacklisted herself btw so turned on me) and promised to pay them. It's now 2 years later and I've been warned that bailifs are after My…
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tesco credit card
hi,i just applied for Tesco credit card,this is first time i apply for credit card,,but dont know how it works? they gave me 0% for 18 months is that mean i can use the money and not pay any for 18 months? somewhere esle saying i need to set up direct debt and pay in monthly minmium? what is that mean? for exmaple if i use…
