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Store card advice
Looking for some advice on a store card with an £800 balance on it. Obviously the interest rate is ridiculously high so considering moving this to a lower interest rate credit card as a way to consolidate debt. What difference would there be from using the credit card to make the £800 payment as opposed to doing a balance…
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Help with Credit card purchases YB Gold Card
Hi All, I'm a newbie at credit cards so i'm just after a little help. I have already read every doc I have been sent and scanned the Yorkshire bank website for the answers... I have a Gold card with 0% on balance transfers and purchases. I need to try to free up a little cash but obviously I don't want to complete a…
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Keep or get rid
Hi I recently took out a new credit card witch I don't need it dropped my credit score when I did this What am I best doing for my credit score sake ? 1 keep the card and not use it 2 get rid of the card ? Witch options best for my credit score? Thanks in advance
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Lowering your credit limit
I thought it would be a good idea as I was paying down my debt to lower my credit limit but I've been told that the limit I asked for would risk me going over the new limit. I can understand their point but I'm not adding anymore spending to my account so this would not happen. I find it interesting there are plenty of…
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Marbles credit card
My ex partner took a credit card out with marbles in my name and ran up charges on it and was never intending to pay much or anything towards this. I knew about this after a length of time and soon after we seperated. Decided to raise this with them as fraud, not with the intention of getting money back or to wipe the…
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Credit Card Noob
Hi all So I have got myself a Vanquis card to try and improve my ‘fair’ credit score. My limit is currently £500. To increase my score the fastest is there an amount I should spend each month and should I pay it off immediately or leave it some time first? If so how long? Thank you for your help :)
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Card Delivery Address
Hi, I need to open a basic bank account or something that does not require credit score as mine is not great. Problem is I won't be at my registered home address until August and if I provide the address I'm staying in (not registered on it, my nephew's place) the bank probably won't be able to verify it and they won't be…
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Help My Halifax purchase promotional offer is ending in 48hours . .
Help My Halifax purchase promotional offer is ending in 48hours . . I have £1k left to repay b4 my offer will go back to a rate of 22.2% Am I right in saying that all new future purchases in 48hours will be at 22.2% or the money I still o will now be charged at 22.2% And yes after today I will bin the card and stopping…
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Avoiding interest on cash withdrawals abroad?
I have a Halifax Clarity credit card for overseas use and have recently read that one can load it with cash before travelling, meaning that cash withdrawals will not be treated as a loan, so no interest will be charged. Does anyone happen to know if this is correct?
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Refund on Credit Card - Chances of me getting my money back?
Hello, Apologies in advance if I posted on the wrong thread, wasn't sure where my particular situation actually goes. I'll try to keep it as short as possible: I made an application 2 weeks ago through gov.co.uk for “Duplicate Citizenship Certificate (form NC)”. It does state a passport is required before completing the…
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Unauthorised debits
Hi, if I use my debit or credit card to purchase an item online, can the store charge my card again at a later date (regardless of ethics and legality)? I'm debating using a trade/service that isn't well known and they require me to pay online but their terms and conditions mention a lot of fees and charges that could…
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HSBC credit card direct debit nightmare!!
So, i got myself into wee pickle with credit card debt, and head in sand, i let it build up. Stupid i know but i realised the error of my ways and decided to get it sorted. So i'm attacking the debt with 0% interest balance transfer cards.I have a Lloyds, Santander and an HSBC 0% which i am using to pay off. I've set up…
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Advice
Hi all, I am after advice. I will be shortly applying for a credit card that will be used to pay for fuel for my business mileage. The balance will be cleared each month. I was looking at the reward and cashback cards but as I estimate that I will only be spending around £300 per month on the credit card I'm not sure if…
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Sainsbury's CC. Only a partial online facility
Why do some banks and card providers seem to have a policy of making life difficult for their customers by not fully embracing online servicing? Take Sainsbury's Bank credit card. I have a 0% BT deal and I want to adjust the fixed direct debit amount. This simple task cannot be done online. No. You have to ring the…
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0% Balance Transfer rate ending with remaining balance - Myth or Truth?
Hi all, I have a 0% balance transfer card with Sainsbury's coming to an end on the 15th July that will potentially have some outstanding balance left. The interest rate will then be 18% I've had numerous people tell me that once the introductory rate ends, you'll then be charged 18% on the entire original balance when…
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Section 75 Question?
If i use the same credit card twice does it scupper my section 75 rights, i understand it would with using a different card but i'm hoping not with the same card i used for a £200 deposit. Am i right in thinking this!
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0% Money Transfer
Hi I have a balance on my Barclaycard of £500 and I pay £100 a month DD. However I have received a promotional offer of 0% money transfer - if I accept this and use the money to pay off the balance I will have no interest to pay, my query is, do these money transfers have an adverse effect on your credit history? My fixed…
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HSBC credit card
I need to pay my HSBC credit card and don't know how to do it (don't have the option to transfer from my current HSBC account to HSBC credit card account). Anybody had the same problem earlier and know the solution?
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USA signing for credit card
in the usa i used my halifax clarity credit card. I signed the merchant copy and said 0 for the tip as it was already included. But i forgot to write gotal where it said total? Does this matter?
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Expiring Santander CC - Change or keep?
Been informed by Santander that my credit card will be renewed in a few months time, as the current card is close to expiry. Status Amex Platinum Everyday - ~£15k limit Santander 123 CC - ~£5.5k limit Both paid off in full each month. Predominately use Amex where possible and Santander as Mastercard as back up. I also have…
