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0% credit cards explained?
I'm looking at getting a 0% interest credit card for a one off purchase of around £3000. I had been directed to the AA 0% card which has up to 32 months interest free however, I read in the T&Cs of interest free period as "maximum 56 days". The two things seem contradictory, am I reading this wrong? My initial belief was…
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have I been accepted ?
Hi just wondering if anyone can help I done an eligibility check for hsbc credit card it said I had a good chance of approval so I applied and received email saying they would send me electronic credit agreement but to open it I needed a code they sent to my phone to verify it, but by accident I put in my old mobile number…
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Low balance cancellation
Hi forum, I was reading about easy ways to keep cards active. One way mentioned was to spend a tiny amount online, and that some cards offered low balance cancellation. Where if the only expense on the card was a tiny amount (99cents or so) then the creditor would just cover it. This practice would keep your card active…
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Accidentally got cash out of ATM using credit card not cashpoint
Credit card I pay off every month. Last months payment is due in a few days but bill will be in a week or two. OK I understand I've got to pay a cash advance fee now and interest daily on this until its paid. BUT does this affect anything else? If I pay off entire bill this month (as per normal) then next month this cash…
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Balance Transfer Payment
Hi I have applied and been aceepted for a MNBA credit card. I have apllied for a £500 balance transfer to this card. A direct debit has been setup for 100% balance. My question is, will the direct debit auto pay the £500 balance transfer or only new spending done on the card? If it does, I may have to change the DD to the…
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Balance Transfer FROM American Express
Hi All I have read that it can be difficult to transfer a balance from and Amex to another Card. Does anyone know a) if this is the case b) if so, do you know a card that you can easily transfer to from your Amex Thanks Everyone
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New Credit Card and Going Abroad?
I am going abroad on holiday next Friday, no flying, ferry from Hull to Rotterdam, then to Poland and in preparation I got a Santander Zero credit card to replace my Nationwide Select credit card for spending money. To check the Zero card was activated/working I spent £2 on it. The statement day will be 15th August so to…
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Excellent credit rating, low income.
I just want it for the added protection for purchases over £100. I would clear the balance completely every month. Just checked Experia and my score is 999. I went through LoveMoney.com eligibility checker and it gave 80% chance for Aqua/Aqua rewards, but the checker on here only gave 10%. I take it the one through this…
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American Express Everyday Platinum v American Express Platinum
I am about to spend a lot of money: 1) £2,500 2) £500 I am trying to find a good credit card to maximinse cashback. I have a very good credit rating. I have come accross the American Express credit card:…
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Amex Cashback Card
Hi all, Just switched to Amex from Barclaycard. When is Cashback paid, 1 year anniversary?
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Barclaycard Approval STAYING an Approval?
Hey So I got approved for a credit card yesterday with a £5000 limit, safe to say I wasn't expecting it and it was a massive (yet happy) shock. But silly me decided to have a google and read loads of posts about how Barclaycard approves people, sends them the card and then cancels it? Most of these posts were from years…
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Service charges debit card
Hi, This is my first post so not sure if im doing it right lol, My query is i have a mail order catlogue and i pay my payments via a debit card, I recently looked at the service charges at its a staggering £11.55, His this a normal amount ??? And can i complain about this to anyone like the Oft ? Thanks for reading
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Lloyds Choice Rewards card withdrawn?
From the Lloyds website it appears that another amex/mc duo card, this time the Lloyds Choice Rewards card, has been withdrawn.
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New Purchases card or Credit swap redistribution
Hi, I require a new purchases credit card, but i want one with a large limit. I currentlly have a Halifax clarity for spending abroad with a 8k limit. Which is better? Should i apply for a purchases card with any company and hope i get a big limit? Or take out a halifax purchases card and Credit redistribute say £5000 to…
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Balance transfering from a online store account
Looking to transfer my Jacamo account to a long term 0% interest card. Is this possible given that the only account number for this company is about 6 digits long?
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Aqua Interest Rate Increases
Had a letter from Aqua(27July) saying interest rates are increasing from 2 October. Purchases & Balance Transfers from 31.16% to 38.91% ( approx 25% increase) Cash Advances from 36.15% to 48.95% ( a 35% increase). This at a time when BoE Base Rate is held yet again at 0.25%. Letter says they continually review accounts to…
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Barclaycard/travel card
Hi, just need some clarity please, I am just confirming that the Barclaycard platinum cc is different to the barclaycard platinum travel cc ? We are going away next week and thought we were sorted with our payment method, also MSE states there are no fees from ATM withdraws on a barclaycard but there Barclays website says…
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Debit card purchase!
Hi, not really sure if this is the right board to post this on but here goes anyway! I recently bought a pair of white Converse Dainty Ballerina pumps from a uk website. They arrived yesterday and they are not what I ordered and not the right size. I have emailed the company last night but as of yet no reply. Looking at…
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Cashplus Overdraft - Will it leave a bad credit score
Hi can anyone advise please. I have a cashplus mastercard and have been offerred an overdraft facility. I would like to use this, I can pay it back in a month or so but I wondered if it would leave a bad record on my credit score? like a pay day loan would. Cheers
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closed credit card outstanding balance
Hi Does anyone know if your credit card has been closed with an outstanding balance, should you still be charged interest?
