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Mulitple Balance Transfer Cards
Can and should I get more than one balance transfer card? Living as an expat in the UK, my partner and I needed some last-minute flights back to Australia. We put the flights on my travel credit card (Halifax Clarity). Around 6 months ago I realised paying the interest was silly, so I got a £3000 balance-transfer credit…
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soon to leave applying for credit card after mortgage
Hi Just need some advice we completed and recieved the keys for my new house last Thursday. I'm looking to get a 0% credit card to buy some house hold items. But I notice on the mortgage offer the bank said they will be doing some rolling credit checks. So is it a big no to apply for credit this soon after getting a…
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Advice needed on interest free credit card
Hi all. I’m struggling to find the answer to my question so I'm hoping to get some advice and any that you can offer would be greatly appreciated. My aim is to get accepted for an interest free credit card with as much credit it on it as possible ( for a house renovation) From what I can see, when applying for most credit…
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Sainsbury Credit Card and the Direct Debit
I find it really weird that card holders cannot access the details of their Direct Debit online. CS confirms that's the way it is. I had a confirmation letter giving the details of the original set up but I switched that bank account on July 17th and I've had no further letter confirming the new details. I assumed the take…
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Virgin Money Balance Transfer
Hi, so after a year of battling my cards down to reasonable levels I got approved and accepted for a 0% card for 29 months with 0% on fees so I put in my remaing 2 high interest cards in Cap One & Aqua. In the e-mail from Virgin it says the amount from Capital One which and the amount from Halifax? The amounts are correct…
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Balance transfer issue with virgin money to amex
Dear All I've hit a road block with Virgin Money (still waiting for complaint resolution from them) for a number of failed balance transfers from my new card to my Amex card. I normally take out a new card each year to smooth over large purchases and as part of my stoozing strategy and to date i have had no issues with…
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O% spending credit cards
Would I be okay if I were approved, to use these just to pay course fees? I will be paying just under £2000 over 9months. However, if I were approved for any, then I could spread this cost outnwhich means I would be paying considerably less, and would mean I wouldn't be struggling to make ends meet so much. I also work…
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Virtual Credit Cards
Hi, looking for a small piece of advice please? I want to pay for a streaming service (the Football League's ifollow service) but cant pay with a UK registered bank account as the content is geo-locked it needs to be outside of the UK. Would using a virtual credit card get around this please? Ive never used one before - ie…
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Credit Cards Explained guide
Hi! This is the discussion thread for the Credit Cards Explained guide. 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? Intro Guide. Thanks folks,
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Best travel cards. Am I missing something?
Hi all I'm trying to choose a new credit card to use when abroad - primarily in the USA. I know that the Halifax card always comes up top with no fees on purchases abroad and low/no ATM charges. But I am only going to use the card for purchases, so I'm more interested in no fees on purchases and the lowest APR. However,…
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0% on Purchases credit card
Hi all, I've been trying to find an answer to this for a while now but failed to come up with anything conclusive: My understanding has always been that if you have a conventional credit card that charges interest and you don't pay it off in full every month (i.e. you incur interest) then it negatively affects your credit…
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Money transfer from existing credit card, then balance transfer to new card
Hi, newbie on here so be gentle I currently have a Tesco credit card and Lloyds bank account with an overdraft. With Lloyds new charges re overdraft coming in November I am looking to do a money transfer from existing Tesco credit card In order to cut my debt further, could I then do a balance transfer from Tesco (after…
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Capital one ppi, should I go through there website or use mse forms?
My wife had a credit card with cap one from 1998 to 2014, and we want to claim the ppi back but I've heard bad things about cap one being hard to deal with, they have an on line tool to use but I'm a bit wary, and wonder whether to use the forms from mse, we did try to use a claims handling company about 7 year ago but…
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Balance Transferred before card arrived
Hi I applied for a Post Office Credit Card 0% for up to 41 months. I check my credit records and have a high score at the moment so applied to transfer two balances onto it. Went through usual rigmarole of receiving id letter and going to the post office to get it validated. Well to cut a long story short I received an…
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Claim compensation for goods purchased on credit card
I bought an infra red heating system 2 years ago, and paid the deposit by credit card. One year later my energy bills increased 300% and the company refunded the amount I had paid more than the previous year, plus half again which should have been what we saved. This year the bills have gone up again but the company has…
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Credit Card Interest Question - Origin Vaquis Card
Hi there, I've received my VISA for the Origin Vanquis credit card. Until now I thought I was sure that there were NO interest charges, provided the balance was paid in full and on time - which I intend to do. On the welcome letter, they've mentioned a monthly interest rate on purchases of 3.990% and are unsure if they…
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A small vent
I don't often use my credit card - had it over 10 years. Last night I was thinking I will take it with me in holiday just in case and noticed it was still in my old name. Now my bank cards changed name when I got remarried 5 years ago and so did my insurance - all same company. So I phoned them to ask why, I need to fill…
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Went over my limit on 0% card
Hello everyone, Around a year ago I got a Sainsbury's credit card that had 0% on balance transfers and I transferred some debt from another card. I wasn't watching my account closely enough and I went over the limit, losing my 0% interest rate. I thought I would just open a new 0% card but I have been declined, I used to…
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Best balance transfer deals?
I have about £8K on a credit card that was on 0% for a long time, the term is coming to an end shortly, Im looking for the best place to transfer the balance to. Be very grateful for any suggestions.
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Former IHG Barclaycard Credit Card Holders
For anyone who had an IHG Barclaycard Credit Card, which transferred over to a normal Barclaycard Credit Card earlier this year, please check that your IHG points for the last statement (May 2017) as an IHG branded card was honoured and transferred. Based on the letter customers received in March 2017, it was advised that…
