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Keeping myself out of money trouble
Hi guys. I just want some advice please. But I’m probably doing ok anyways. So I have a Barclaycard credit card that has 0% for 27 months this finishes in September 2021 so couple of years away yet. My limit is 3k and currently have a balance of £1,700. I usually pay way more than the minimum payment mainly because I don’t…
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Credit Card for Australia spending? Any of these?
Hi, I am soon to go to Australia and trying to work out the best way to spend. I have a Virgin, Barclays and Nationwide Credit Card and ideally would like a travel credit card with one of these as it would be easier to manage via the app. Virgin CC currently have £670 outstanding, Barclays has £2800 and Nationwide has £0.…
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Where to go, what to do?
Hi, I currently have three Credit Cards with the below debt: MBNA - £6000 (0% interest till February 2020) - Total limit £11,500 Co-Operative - £0 Total limit £10,000 BarclaryCard - £0 Total limit £10,450 I earn £2700 after tax each month, pay £800 a month on rent and £300 on other stuff i.e. car fuel, food etc). When it…
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Tymit Credit Card
Has anyone had any experience of Tymit? Looks like a really interesting concept, I've struggled with the self discipline of paying off my credit cards in the past and these guys seem to be doing fixed instalments. Just wondered if anyone has a card or is using the app?
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Changing Interest Rates and what can I do?
My credit card company wrote to me last week to say that my interest rates will be increasing from 36.980% to 41.184%. This is an aqua card that I originally got to improve my credit score, and for a while it worked. But then when my boyfriend had a terrible accident and wasn't able to work for 6 months, I needed to use it…
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Paypal Credit - section 75 rights
I recently had an experience of buying stolen goods from ebay. I think all is getting sorted, and seller is refunding my, but it made me think about how to avoid this being a problem. The solution i think i have come up with is to use paypal credit. My thinking is that paypal would then have section 75 obligations in case…
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Capital One over limit?
Hello .I have the normal Capital One black-coloured card with a £200 limit (building credit, paying it off every month). When topping up my phone the clunky 3 website somehow processed my payment twice, however the second payment would have taken me over my credit limit and is currently 'pending' whereas the first one has…
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Hotel charged my CC retrospectively
I wondered if anyone has any thoughts on this situation. I booked a hotel package with Superbreak that included rail travel to Edinburgh. The trip completed before Superbreak went into administration.. I paid for the trip through a travel agent who sold the Superbreak package. The hotel accepted the Superbreak vouchers as…
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Halifax Clarity
I know this is the best credit card for abroad spending, but is it also the best if i want to use an ATM at Manchester airport to withdraw euros? Or should I wait until I get to my destination airport in Spain. Thanks Paul
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To cancel or not
Hello all. I'm after some advice as to whether it is better to keep or cancel a long standing credit card. A couple of months ago, I switched my back up bank account from Nat West to Monzo, but I still have the Nat West credit card. (£950 limit, zero balance) Due to the age of the card (I have had it for over 10 years), it…
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Vanquis CC
I have recently turned 18 and I'm very conscious of building a positive credit history. I have applied for a vanquis cc and after a call with them I was told I've been accepted for a card with £500 credit limit. Result. The card will purely be for building credit history and just as a stepping stone, paid off in full each…
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Best Way to Swap Credit Cards Advice Please
Hi Everybody, Hopefully one of you knowledgeable money-savers will be able to help me out here: I have a Halifax credit card which I have had for years (literally coming up on 20 years now) and although the interest is rubbish this hasn't bothered me as I always pay it off in full each month. My income/debt ratio is pretty…
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Business Expenses
Hello When applying for a personal credit card, can I add my business expenses to my income? I'm a cabbie and the annual fuel bill alone would add about 7k to my income straight off the bat. I'm not going to spend above my means anyway. Been there, done that in the past. Thanks
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Refund on deposit on a car
Hi My first post, so hopefully i have this in the right place. In approx 2000 in paid £3108 as a deposit for a new car. As per the selling company, i had to pay £100 on my credit card and then the balance by cheque. The £3108 represented a 10% deposit. The car never materialized and the selling company went "under",…
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Buying a car on credit card and transferring the balance to 0% card
I want to buy a car, I have half the money but need the other half from somewhere. I'm reluctant to do finance as it comes with interest and even though the interest is low it's still more money. Is it a stupid idea to pay half in cash and then half on my credit card then apply for a 0% card and transfer the balance?…
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Court date to set aside CCJ - please help !
[FONT="]Hi All,[/FONT] [FONT="] [/FONT] [FONT="]Am hoping someone can advise on what i need to do / prepare for at Court, which has been planned for next Friday 30th August.[/FONT] [FONT="] [/FONT] [FONT="]I had a Credit Card debt of £4k along with other debts.[/FONT] [FONT="]I was struggling to pay…
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Help
Hello all I have a credit card with around 3,000 to pay off with 59.99% Apr (I know its crazy). Recently my credit score is is improving month on month. Ive been offered a 0% balance transfer for the first 9 months. However the limit on the card is £450. Just a few questions I need to clear up before making a descion. 1.…
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Credit Card Recommendations?
Hi all, I am new to this forum and not very money-savvy although I am 100% debt-free. However, I have heard it's a good idea to have a credit card in order to start building a good credit history. I am the kind of person that doesn't spend money they don't have, however, I think it's a good idea to get me a credit card,…
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Aqua direct debit confusion
I recently grabbed an aqua rewards card as it offers (slightly) better perks than my other "travel" cards. Anyway. First thing I did when I got it was setup a DD for full statement amount. And as I'm not traveling just now I'll only be sticking a bit of petrol on it each month. Alas I digress. I just got a notification of…
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Credit Card - can my partner use?
Hi there I have a really good credit rating with a mortgage and several years history of on-time repayments. I currently don’t have a credit card but I would be interested in obtaining one which I don’t believe will be a problem with my credit score. My partner unfortunately does not have such a good score and is not…
