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Using Credit Card to pay off chunk of mortgage
Hi all, As the title suggests, taking advantage of credit cards balance transfer offers to pay off a chunk of mortgage and duck the interest on it - anybody ever done this, have any advice, pros, cons, pitfalls? I've a clean MBNA credit card with a 15.5k limit, Im thinking of paying a chunk of this from my mortgage. Would…
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Credit reference agencies
How quickly are credit reference agencies updated. Basically I have just paid off my credit card and what to know how soon this will be reflected on the various agencies so I can apply for another card (with a better score). Thanks.
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Card readers which one?
Hi, I'll be selling at markets stall over the Xmas period and need a card reader. I was thinking of the iZettle but have heard some people say it doesn't work as well on Android phones. Anyone experienced that? Paypal would be a goer but take a 2.75% of each transaction which is the higher end as far as I see. Sum up and…
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Card Protection
Hi, I have a "Card Protection" policy with a well known organisation. It's the kind that you register all your cards, passport and so on - if they get lost/stolen they'll do all the cancellations and replacements for you. I'm not sure if this approach is necessary. What I'm most concerned about is Identity Theft. Apart…
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Virgin Money Credit Card APplication
Anybody applied for a Virgin credit card recently? Just applied and it stated they will respond within 7 days with a decision once they have checked a few things out? Is this standard process, was expecting an instant decision???
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0% CC - when to apply
Hi folks, quick question! I've just bought my first house and I'm looking to get a decent 0% card to get some of the big stuff out the way (carpets, sofa etc). I obviously want to wait until i have the keys in my hand but when i apply i won't have moved in to my new address yet or changed any of my details for electoral…
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0% Credit Card to fund a sensible car purchase from private seller
Hello, I'm getting lots of mixed advice so thought I would come here. I'm after a Fiesta Ecoboost, these go for around £4200 and I'm looking to borrow £4000 on a 0% interest card. It seems Sainsbury's bank or Halifax or Virgin Money are my best bets. However I'm unsure what card I should go for. As it's a private seller, I…
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New Homeowner Credit Card Application
Hi all, I have recently just bought a flat with my partner and we were looking to apply for a 0% Credit Card to put our joint monthly bills and purchases on it (shopping, holidays, etc.). I went onto the MSE credit card eligibility check (through the MSE Credit Club) and can only get a 50% chance of getting a good 0%…
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Is AMEX worth the yearly fees?
I know many people, particularly with the Gold Card that is free for the first year, sign up for the membership points and then downgrade again. I've had just a basic Membership Rewards Card since around February when I started a new job. I lost the job but kept the card open and it's safe to say I'm in a much better place…
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Optimising Credit Card Applications
Hey Folks, I'm a newbie, so please forgive me if this has been covered elsewhere. (I did look, but didn't see the same sort question) OK, here goes; the basics: 1. Good earner, 2. "excellent" credit record. 3. homeowner, clean credit etc.... I'd like to take advantage of the "cheap money / credit" options out there - with…
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Barclaycard opening query
Dear All, 6 weeks or so ago I received a mailing shot from Barclaycard (I have recently opened an account with Barclays) asking me to apply. Instead of filling in the form I went to their weblink mentioned on the letter. Unfortunately I was declined. Today I have received another letter (this time in a brown envelope)…
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Balance transfer - expired card?
Hi all, is it possible to transfer a balance from a store card account where the card is actually expired? Long story short, the debt was accrued a while back and due to 'poor account management' a new card was never offered once the previous card expired. Fast forward a couple of years and we have been offered a BT card…
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Credit post bankruptcy
Evening peeps I'm 20 months nearly post bankruptcy I was discharged Feb 2017. I cleaned up my file soon after. I have been looking for a credit a card to start rebuilding my credit history but it says iv got 10% chance of getting one so I Havant tried yet. Can anyone tell me if they have got one this early on? It says you…
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Closed Mint Credit card with a positive balance
Hi - wonder if anyone can help? I was just looking the my MSE credit club Experian files and noticed that I have an old Mint Credit card that I closed in 2013 that has a £ 2,600 credit balance on there. I can't remember the circumstances behind it, so I don't know whether it's right or not. Is it worth contacting Mint to…
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Bank transfer
I have to do a bank transfer, so I thought I could do it through my credit card but it looks I can't! It is possible to do it through cash, or other means? Thanks
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Paying charity card
Hi all I am trying to pay my credit card off . It’s first time I’ve gone over £1000. I have a 2k limit and I have always paid it off in full each month. I am trying to pay it off in full and it’s only letting me pay the minimum. I have enough in the account to pay it off
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Best balance transfer deals?
Hi, wan are the best balance transfer deals please? I have about 8k on a zero interest deal co I got to an end, I'm interested in stoozing I hope I can transfer the entire balance to another zero interest deal for about a year or so,
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EU citizen, credit card newbie - help!
Hi all, I'm new to the forum and to be honest completely credit card naïve. I have been thinking for a long time to get a credit card but always been too worried about getting one and thus delayed the decision. Mostly I was worried to be rejected and have my credit rate messed up. Unfortunately that is exactly what…
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Halifax Clarity - credit limit lowered from £5000 to £500
I've had a Clarity credit card for some years, and I was surprised to see that my credit limit had been lowered by them from £5000 to £500 a few weeks ago. I use the card when abroad for cash withdrawals and paying for things as there's no transaction charges. There was a small balance on it but I paid that off pretty…
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Shopping Spree - 0% BT Card and Discount Vouchers - Can I make this work?
As part of our house move, we need to buy a lot of new stuff. Our plan is to buy on the current 39 month 0% balance transfer card for all of this. Then I realised that my employer offers some quite big high street discounts - 12% in Currys for instance. You'll be familiar with the deal... you buy top up cards at a discount…
