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Paying for a Wedding
Hi! Myself and fiancee are getting married and we are in a reasonable position with regards to budget. By the time all of the payments are due, we should be in a position to pay them off through savings. However, we feel we are missing a trick when not using a reward credit card for example or something that will reward…
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When to pay off
I have a credit card and attempting to rebuild my credit history and score. I'd like to know when I should pay the credit card after using it. I have heard it should be as soon as possible after using it, but also heard you should wait until your statement arrives.
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Collecting Credit Card Payments
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Saga card ending?
Yesterday I spoke to the current provider of the Saga credit card (Allied Irish Banks) and was told they are no longer accepting applications for the Saga card and they are not renewing the contract with Saga. So anyone hoping to apply for one may find it impossible at present. Saga will no doubt find another provider but…
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Credit card provider in 2008
Hi Is there a way of finding out what credit card I used for a purchase in 2008? Many thanks
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Barclaycard balance transfer on overdraft?
Hello everyone: I have a friend who has a considerable overdraft (£3k+), they said their interest is about 19-20%, and it's been ever present for the past several years. They can't get on top of it. So, I'm wondering, can they use something like the Barclay card balance transfer facility to pay it down, as it offers 0%…
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Is there any benefit in increasing limit?
Hi guys, I have a noob question... So I got my first credit card about 3 months ago and have been using it steadily to build some history. Yesterday Amex sent me a letter offering to increase my credit limit. Is there any benefit in doing so if I don't need more money? Even with their current limit I can only spend about…
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Consolidation credit cards
Hi everyone, Couldn't really find an answer out online, so thought I'd give MSE a go. I currently have £7000approx on 2 credit cards and 1 overdraft from a couple of years ago. I pay £160 off one card, and £80 off the other and £30 off the overdraft each month. I'm wondering if I will benefit more from taking out a loan…
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Low interest cards
I'M very new to credit cards and whilst I understand the basics theres something I'd like a bit of help with. I recently applied for a loan of £5000 which got accepted but the interest rate came back as 17% instead of the 4.5 advertised. Fair enough, i kind of expected it. So my main issue here is I need the £5000 for a…
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Money transfer on Barclaycard
New to the forum, hello everyone :) I am looking to money transfer £500 to my current account from my shiny new Barclaycard Platinum 27 month purchase credit card. Will this negatively affect my credit score because I have effectively taken actual cash from the card or does that only apply to withdrawing money directly…
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Is it worth me balance transferring?
Hi everyone, I have a credit card limit of 4.5k and I owe about £1800. (Lloyds Credit card) I can afford to pay £900 off In September and October meaning the balance should be paid by October. is it worth me doing a 0% balance transfer? How much would I save by doing this + is it worth it? Any advice appreciated Thanks
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Nationwide Additional Cardholder
Had reason to contact Nationwide today and as I wanted to add my girlfriend as an additional cardholder I thought I'd ask to do that while on the phone. Confirmed that my girlfriend doesn't reside at the same address as myself and that she isn't a close family member and was told that they cannot request an additional card…
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Taking Gap year. Best travel credit card
Hi all, I'm going travelling for a year and I'm reviewing the best cards to take to maximise rewards and allow for flexibility in which rewards I can use them for. The Amex Avios cards seem rigid and geared towards only Back. The rewards points although a bit better with some hotels charge 3% fee per foreign exchange…
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Barclaycard credit search
Hi, does anyone know which agency do barclaycard use for a credit search? I'm getting a 7/10 chance of being accepted but wanted to know this before i go ahead and apply. Thanks
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Credit card- first time applicant!
Hi all Im looking to apply fr my frst credit card , solely for credit history for a mortgage. Im looking online and dont understand some jargon, also know the very basic of using a CC. Just had a look at Lloyds bank, where I hold my main account, also have my deposit there. Q: is it OK to get a CC with them?? Or should i…
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A Current Account removed from credit report
Hi Guys, I have been observing my credit report regularly in recent months hoping to improve things. I owed money due to a student overdraft (it's been 10 months since I have settled the issue), however quite a few things have changed in my life like moving home, applying for utilities, phone, TV/ Internet contracts etc.…
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Sainsburys
I'm looking at the 0% cards. My credit score is good, but I have been declined for a few cards in the past (probably because I tried to have too many to use for stoozing) and Sainsburys was one of them. Should I not even bother trying for this one now because I have been declined in the past?
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Help advice please!
Hi, so we are hoping to buy a campervan using my new credit card. Its a private deal so if i use paypal to pay the guy and then repay over my 0% on purchases term does that work? Im terrified of getting it wrong and ending up in debt :o
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Charges for using a credit card?
I thought that all charges for using a CC online have been scrapped? Just been to pay my car tax renewal online to be told there is a £2.50 charge to use a credit card? Is this right?
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Accept new credit limit?
I had a letter at the weekend from Lloyds saying they are going to increase the limit on my credit card from £4,500 to £9,500. I don't actually use the card as I got it for the long 0% balance transfer offer. I am going on holiday in December to Australia so am planning on applying for the Halifax clarity card in October…
