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Clydesdale 0% balance transfer and 0% purchases
Hi, Last November I applied for a 0% balance transfer credit card with Clydesdale. Brilliant because they also provided 0% purchases for 26 months. I had 12 months to pay off £5k balance transfer and I've been overpaying loads for the last 4 months. Every time I make a purchase I pay an amount off my credit card. I thought…
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Anyone seen their Sainsbury 6,000 bonus Nectar points
Did anyone participate in the Sainsbury's Bank Credit Card bonus points scheme in June/July? Spend £250 or more in Sainsbury or their petrol stations and get 6000 bonus points. Did that, but no points yet! It was a tiered scheme (spend less, fewer points). Be interested if anyone has seen their bonus points. Small print…
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Transaction incorrectly classified as cash advance
On a recent trip to Nice, we ate in a seafront restaurant one evening and used my Halifax credit card. When I got the statement subsequently I had been charged interest as though it was a cash advance. After discussing this with the Halifax, it seems that where we ate was classed as a casino, although we were not aware of…
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Aqua balance transfer to Barclaycard
Hi all I recently got accepted for a Barclaycard, 0% BT and Purchases for 18 months. I transferred £587 from Aqua, and Barclaycard have processed the transaction and it's no longer pending. I have checked Aqua and it's not showing anything at all. Would it juat be a case of waiting a day or two for it to clear? I'm new to…
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Balance Transfer Applications
Hi, my wife and I manage our finances separately but I usually end up helping her out with online stuff. We have credit cards in our own names but coincidentally have just realised the original balance transfer deals they were taken out for both expire this month. Will it be a problem us both applying for new deals with…
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Creidt agreements
Hello I read somewhere that if a credit card provider cannot provide a copy of the original credit agreement they cannot pursue the debt is that correct? how often does it happen? Thanks
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Credit card always paid in full but ...
I was very surprised and then disappointed that I appear to lose by up to 10 days benefit of retaining money in my account. I pay my credit card in full by direct debit each montb. The bank claims that as I have it set-up to always clear the full balance they need to take the money 10 days earlier. For example credit card…
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Best Joint Card for Couples
My boyfriend and I are wanting a joint card to pay for mutual expenses such as flights, hotel stays etc etc. However both of us are looking to apply for mortgages in the near future and don't want the mark on our credit application file. Is a pre-paid card an option and if so what is the best one - we would pay off in full…
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Would you expect a card provider to know if there's a CPA on it?
This may sound like a daft question, but I was speaking to my work credit card provider today, wanting to know if the TV license fee paid on it last year was done on a CPA or as a one-off. And they said the only way they would know this would be if / when another payment was taken out. Does that sound credible? I have…
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Which will be more?
I got £215 worth of foreign currency from an ATM abroad using my Santander Zero credit card. What will be more, any interest I will have to pay, or the interest I will get on £215 in my Santander 123 account?
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Capital One application
Hello, this is my first time posting so I hope you can help me please?. Yesterday evening I applied for a Capital One credit card using the eligibility checker and was accepted with a credit limit over £1000, there was three ticks and I signed the credit agreement on-line. This morning I received a text from Capital One…
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Section75. Claim-HELP!
Hello. It has been a while since I have posted to MSE and I need some help and information. I will try and simplify this story and hopefully someone out their may be able to advise me....here goes. 24th July we are at Manchester airport awaiting to board our flight to Basel from Manchester airport, we had been advised the…
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Balance Transfer Explained?
Hi, Hoping someone can help me with this. If i pay for a holiday on my credit card, can i then transfer credit from another credit account into the credit card account i used to pay for the holiday, to then pay that balance? Effectively paying off the balance in full so the credit card company see it as a full payment and…
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Credit card when just starting work
Hi everyone, was hoping for advice regarding my best bets for getting a credit card. A lot of the pre-check tools various providers have have told me I'm likely to get accepted, but I just got rejected by M&S. I rang them and this is either due to me only recently having started work, or not having been at my address for…
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PPI on Debenhams Storecard
Hi We are looking to make a claim on our Debenhams Credit Card. I suspect it was taken out around 2001-2003. We have submitted a claim via Newday who came back to us and said they could not help but to try Santander. I have read that some people have applied and had success via Genworth who were the underwriter at the time…
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Balance transfer advice
Hi everyone, New to this and after some advice. I'm currently paying off a loan and have around 9 months left which amounts roughly to about £3500. I've been looking around at various forums, websites etc to see if people would advise getting a 0% interest balance transfer card and moving the remaining loan amout to a card…
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Overdraft - Balance Transfer?
Here goes... I am new to all of this and I'm really keen to make the best next steps. I currently have two store card accounts (less than £500 balance each) and an overdraft of £750. My overdraft charges are horrendous (£1 a day). :( Is it possible to get a 0% balance transfer credit card to help me pay the debt off at a…
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Can I balance transfer away and back again?
Hello. I have a Virgin Money credit card with a long period of 0% on balance transfers (when made within 60 days of opening the account, which I'm still within). I've unfortunately made payments with this card as well. I've now acquired another card with a shorter 0% on balance transfers. My intention is to transfer the…
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Credit Transfer confusion :-(
I've just applied for a Capitalone card, completed all the paperwork including that I wanted to transfer £788 from my Aqua credit card, got approved but they've given me a limit of £500 so I'm really confused! Does this mean on top of the transfer or will they only transfer £500? I think it is the latter, they will only…
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Balance Transfer Help
As per the title really. Of late I am trying to repair my credit report after going BR back in 2014. I already have a Vanquis & recently applied for one of Capital ones credit building balance transfer cards. Anyway in the application it asked how much I'd like to balance transfer, at this time I still didn't know what…
