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Want to do a balance transfer but don't live in UK at the moment
Hi I have 2 MBNA credit cards which have debts on of 14K and 12K. The 0% periods are coming to an end and I want to do another 0% balance transfer if possible. The problem I have is that I am living abroad at the moment and don't have a fixed UK address. Would I be able to apply for one using a friend's address or is this…
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Having 3 Credit Cards
I have the following credit cards: • Vanquis Origin - 59.9% APR - £250 Credit Limit (I know that's a terrible rate but don't carry a balance - only in full) • Capital One - Classic Complete - 0% until January - £200 Credit Limit And finally just applied and was accepted for an Aqua Classic credit card with 0% for 6 months…
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0% Credit Card vs Savings
Hi, I hope someone can help me out here. I have a 0% credit card until March 2019 with a balance of £8500, and regular payments of £80 ish so it is slowly decreasing. However, as a result of a house sale and bereavement I have £100k in a savings account. So, do I leave the credit card just to tick along until the interest…
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Can I pay online into a different credit card account ?
Hi I regularly pay my credit card bill online - the bank issued the card so no problem. But now I want to be able to pay a bill for a different credit card which is issued by a different bank. Has anyone got experience of this ? Transfers need sort code and account number but do credit card accounts have account numbers ?…
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Should I cancel one of my cards before applying for a new one?
I have two CCs at the moment - one with a limit of £3k and one with a limit of £5k. My usage is quite low (generally around £1.5k per month across the two cards) and I pay them both off in full every month. My salary is a little over £35k, and I have no other loans except my mortgage. Nothing bad on any of my credit files.…
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Section 75 - Return Flight
I've searched for an answer on this, but can't seem to find one. I flew out with Monarch on 27/09/17 and was due to fly back on 02/10/17, but the flights were cancelled. I paid by credit card, but the amount on the credit card statement is for the outward and return flights combined. There wasn't an issue with the outbound…
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Tesco increases
I've had a Tesco card for a few months to try and boost my credit score. However the small limit of £250 is listed as a negative on my clearscore account. Recently Tesco wrote to say they will increase my limit in a few weeks time. However the small print said they might not! Anyone know how fast I might work up to a…
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Post Office Money Platinum Credit Card
Hello All I am currently experiencing some issues with my PO Money Platinum credit card. It has come to the point that I need to see my old statements between May and October 2016. I used to receive my statements by post but me trying to be environmental friendly I switched to paperless statements in May 2016. Anyway, I…
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Credit Card Utilisation Query
Hiya, I'm a Debt Free Wannaber and maintain a diary on that board. However, I have a specific credit card question that I'm looking for some advice / guidance on. Its about credit card utilisation. I'm moving house in the new year and will be looking to get an AIP / mortgage (second stepper). Thus, I'm trying to get my…
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HALIFAX CLARITY Charges abroad
we notice that when we withdraw money abroad, we are given 2 options- be charged in Stirling or be charged in Euros, which is best please
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Post Office HELP please!!
Hello Has anyone tried to do a balance transfer from another credit card to a Post Office credit card & not had the money clear on the original credit card, but still be charged by the Post Office? TIA
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Halifax CC and unauthorised transaction.
Hi, Hope someone can provide some advice regarding this situation? My partner recently noticed an unauthorised transaction on her Halifax CC for a sum of over £300. On checking the merchant, it was found to be for purchases in a public house on the outskirts of Glasgow (one that sells 2 curries for £5, so it must have been…
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Can I build credit this way?
I usually get paid every 2 weeks. So should I charge everything I need on my credit card and when the bill comes at the end of the month pay it back in full immediately? I would not charge any more than $150
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Closing a card with a balance on it
I have about £5k owing on a credit card. I have a few others with a zero balance When the zero interest period ends next year can I close the account and pay the remaining balance off over a year or two? Would this be reported as a negative to the CRAs?
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Balance Transfer not enough?
Hi, Hoping MSE hive mind can help me a couple of questions with balance transfers. Here’s the conundrum: I have £3,650 on a Post Office credit card (limit £3,800 – think this was the max for me but haven’t checked recently). The 0% runs out mid-December so I just applied for a Halifax card to transfer balance to, thinking…
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Closing an old unused Credit Card
Help please, Im after closing an old mothercare credit card that i had, The card goes back to 2004? 2003 era, I havn't actually used the card in over a decade yet its still active, (only found out with a full credit report) I dont have the account number nor have i recived any corrospondence from them for some time nor do…
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Partial Balance Transfer
Hi! I wonder if someone can help with a quick query. My partner transferred his balance when his 0% rate ran out. Naively (also stupidly) we didn't check the purchase interest on the new card, until we booked a hotel for our honeymoon on it. I now realise we are paying interest on that and are therefore not making the deal…
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Tesco 0% ending, latest to repay in full
I have a Tesco 0% credit card on purchases, the 0% ends next week. However, my statement date is around the middle of the month and the repayments are always due at the end of the month. I have a balance of just under £1,000 remaining which I plan to wipe off and pay in full at the latest opportunity, when is this? Will…
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Please excuse my ignorance!
Ok, the situation is this. I will be returning to live in Blighty as a self funded retiree in Jan 2018. I have a Lloyds account which I will use for my day to day finances. I would like a credit card for convenience. I have no balance to transfer. What would be the "best" credit card for me? What factors shoudl influence…
