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0% offers?
I have plenty of 0% balance transfers on the go, all going well and should be paid off in time. My question is, in theory if they were not paid off in time does the interest accumulate on the left balance or from the original transferred balance? For example £1000 transferred, £200 left at end, would interest be charged on…
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Improving my credit history
Evening all, I'm in the process of improving my credit history. I have a credit card which I use for my monthly spending and then clear off every month. My questions are does it matter if I spend £2 or let's say £200 on the card each month? Or is more about showing I can pay it back then the actual amount I spend? Thanks…
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Which Credit Cards accept PayPal as a payment option?
I’m looking for a credit card or similar that would let me make my monthly repayments using PayPal? I’ve google and googled but cannot find anything! Any ideas please? Thank you
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Virgin Credit Card 0% deal refused
Hi guys, Has anyone had any trouble getting a credit card with Virgin? My partner and I have a credit card debt which we are balance transferring untill it is paid. Usually we take one out in my name, then one in hers when the deal ends, then one in mine and so on all the while cancelling the one we've had prior. All has…
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Vanquis Credit Card 9.9% balance transfer
Hi, i have 4 cards on the go at the moment. I started with a Vanquis card, half of the balance i've managed to get on a balance transfer to HSBC @ 0% for 20 months. I also have 2 capital one cards, one with a balance of £1300 and another with £650. I've always wanted to eventually, probably like anybody else, get away…
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Cash withdraw and interest?
Hi I would like some clarity. I have an HSBC credit card £7000 limit interest free for 22months, which currently has £1000 on it, I made a cash withdrawal, as I lost my debit card. Now I know you pay a fee, so I withdrew £100, and the fee is around £3. Now, you pay interest on the £100, but could I ring my CC company, and…
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0% money transfer CC refused.. options..
Hi, Just wondering if anyone can point me in the right direction and if there are any other options for me! I have an overdraft with Lloyds, who are changing their overdraft charges in November, which will ultimately see them charge me £23 a month in charges (£5 currently) as I'm unable to pay off the entire overdraft. I…
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Monarch s75 claim rejected
Hi, We had 3 sets of flights booked with Monarch and paid for on Santander Mastercards. Santander have confirmed that they will repay 2 out of the 3, but because third claim was for a flight booked by me, and paid for on my credit card, but for my husband they have stated that I wouldn't have had the benefit of the service…
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Feeling cheated
I have been enjoying a recommended MSE Barclaycard giving me free foreign cash withdrawals and purchases. As with all my cards, I usually pay off completely each month. Recently, I had some unexpected expenditure that I charged to a different card and was then pleased to get a 6-month interest free balance transfer offer…
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Withdrawing cash on Credit Card to my bank account
Hi, can I withdraw cash from my Barclaycard Platinum credit card to my bank account so that I'm able to make cash purchases from my bank account? Presumably there'll be a daily interest fee for the balance and probably another cash handling fee?
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Apple Payment Plan vs. 0% CC
Hi all, So through a lot of analysis and number crunching, I've finally decided to ditch my pay monthly plan with EE (contract is up next month) and go SIM Only instead, and to purchase a new iPhone through the Apple Store itself. With their payment plan, a new phone can be paid off with 0% interest over 20 months. Great…
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Switching to another 0% credit card
Hi Me and my partner both have 0% interest credit cards. The offer of 0% is due to end in march next year. My question is that as there are changes in interest rate probable and a shift to more responsible lending should we be looking to shift the balance to new 0% cards now or wait until the new year? I don't want to wait…
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Leaving unpaid credit card to go travelling.
So I am leaving the UK in March to go travelling for around 2 years, possibly longer. I have a couple of credit cards which will have around £800-£1000 left to pay. I won't be able to pay this off as I need all the money to travel. I am moving to Australia on a working holiday visa. Obviously it's not wise to leave behind…
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Section 75 Refund - Cancelled Card
Hi all, first post here so please be gentle! I took out an Amex platinum charge card recently to collect some extra Avios points. I have spent the minimum required to get the bonus points, cleared the balance, and have no further use for the card. The card has a monthly fee and I am keen to cancel it soon, but it dawned on…
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hsbc credit card account disappeared??
After logging into online banking my Credit card account was no longer visible. I checked on the app with fast balance and it said a balance of 0.00 and available of 0.00. I know that the balance is definatley not 0. Has this happened to anyone else? I find it rather odd.
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Vanquis Direct Debit & Nationwide Card
Hello, I have two questions, so to save space, I thought I'd combine the two! The first one is about Vanquis and their direct debit procedure. Has anyone who use them or has used them in the past, ever had their direct debit still taken after your payments fulfill the statement balance from the previous month's bill? I…
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Mint Card Minimum Payments not covering interest
I have had cause to check old Mint mastercard statements recently and pre 2011 I have realized that the minimum payments I was making were not clearing the interest they were charging me! Surely this could not have been legal practice? I am also pretty sure that they once fined me for failing to pay enough even though THEY…
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Section 75 credit card refund
Good morning This is my first time post so please go easy on me lol! I was looking for some advise I have unfortunately had some rather shoddy nhs dental work done to the tune of £240 approximately the dentist has completely messed my crown fitting up and am going to have to get it re done and most probably privately. I…
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Halifax credit card 2.9% interest email offer - potential scam?
Hi, Received an email last night re. an interest offer of 2.9% for 9 months on my Halifax credit card. I've never had an offer come through by email before, usually it is by post enclosed with the monthly statement. The offer could be activated by clicking on a link in the email or ringing 0345 608 1417, and this has to be…
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Halifax credit card spam
Bit of a long one this. A couple years ago I was getting monthly letters through my post from Halifax for a credit card application. I am a Halifax customer, so when I called them about something unrelated I requested them to stop sending them not thinking much of it 6 months later I was still getting them so I wrote a…
