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Balance Transfer Question
I am looking to to reduce my debt by a balance transfer on my credit card. I have bad credit but have found a 0% for 6months with a 3 % fee. My question is, if I get to the 6months and it looks like I’m not going to clear the balance, could I do a balance transfer again with the outstanding balance?
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Reserving help to buy
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Balance transfers
Hey, I'm looking to transfer my balance but I'm getting confused. A lot of the offers say 0% balance transfer but 3%fee ? Do i have to pay to transfer the balance? If so why would I transfer my balance to pay 3% when i can keep it where it is and pay ? Am i missing something. Am i right in saying if you get a card just to…
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Do balance transfers / money transfers affect credit rating any differently?
Currently two-thirds of the way through a three year Sharesave scheme. I've built up a balance on a 0% on spending card, that the Sharesave will pay off in full (and hopefully, return a decent profit too). I have no other debts and rigidly stick to the X a month spend on the card , which matches the Sharesave monthly…
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No Eligibility for 0% Purchase Card
I was just idly flipping through offers on the MSE Club, and whilst pre-approved for a couple of 0% MT cards, I apparently have no eligibility whatsoever for 0% purchase cards. I have a clean credit history, under £1000 card balance on over £38k of limit; about £11k of loan balance and a £112k mortgage. I'm not actually in…
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No interest Card suddenly charging interest
Hey guys I was wondering if you can help me. I have taken out a Virgin Money credit card in January because someone told me about their interest free period (26 months) and I managed to get a one with a decent credit limit. everything was alright until I realised that three months ago they started charging me interest. So…
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Transferring my balance from an hsbc credit card
Hi there, so I’m far from a credit card expert so I’m hoping someone can enlighten me. I acquired the hsbc rewards card the other month and I’m now looking to balance transfer, and after researching online the Sainsbury’s credit card was the best card as it was 0% transfer fee, and would cost me nothing at all to transfer…
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Prepaid USD VisaDebit Card
Hi All, I have received a USD visa debit prepaid gift card. Apparently they are accepted anywhere that accepts Visa Debit but are clearly not working with GBP payments - I've tried topping up my UK amazon account with one but it gets declined. Does anyone have any creative ideas of how to spend/convert this in the UK. I've…
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US unboxing and review of Apple's new credit card
This video popped up on my YouTube feed. It's an unboxing and review of Apple's new credit card that's been launched in the US. I like the clean look. The linked app has a nice visual feature, whereby colours are added to an initially white image of the card to represent purchases (see 3 minutes, 22 seconds in). Love how…
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Halifax BT Payment
Hi, I have 2 balance transfers on my Halifax credit card account. 1st one will expire on 26/08/19. 2nd one will expire next week. If I make a payment now to Halifax will the payment automatically clear the 1st balance transfer or should I wait pay it in full on 27/08? Thanks MS
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Estranged Husband and Credit Cards
Hi - my husband and I separated when he moved out of our jointly owned marital home in September 2017, so just under 2 years ago. I removed him from the Electrol Roll etc in January 2018 when I was certain our marriage was over. He has been living ever since at a different address with his new partner. I am about to start…
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Rejected for a credit card
Hello, im wondering if you guys and gals can help me. Ive recently applied for the Barclaycard Platinum credit card due to my last credit card ending its 0% interest period. I dont know why this is the case, ive never been rejected for a card before! Some information that might be helpful Credit score is fine. Was given a…
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Section 75 refund on construction
I've heard of people getting the cost of repairing a faulty car or the difference after selling it refunded using section 75. Would the same apply for a construction project? For example, if I got my loft extension paid for on a credit card and it was a botched job, would the bank give a refund?
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annual cc statement discrepancy - overpayment?
looking for clarification. my annual cc statement has just came in & it states the following: "total amount repaid between 2 August 2018 and 1 August 2019: 5,720.21 " "Spend on your credit card between 2 August 2018 and 1 August 2019: 5,436.42 " why have i paid MORE back than i have spent? Does that mean they owe me money?…
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Need to up my credit!
Hi guys, Need to build up my credit and currently have no debts or loans. Was thinking of getting a credit card (aspire money) to help my credit. Has anyone tried them?
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£55k credit card debt-seeking advice
Hello and thank you for your time, I am a sports professional and after a particularly bad season with injury I have about £55k of credit card debt from expenses (travel, hotels, etc). I am paying about £1300 a month in minimum payments (£900 of which is interest). I am reluctant to call the lenders because my credit…
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In need of a BT. Income to debt is my problem
In need of a BT. Earn 30k (net 25k) as does OH, net £2100 pcm, min payment on cards is £155 pcm Have the following debt in my name, debt/credit limit: *Halifax Clarity 900/2500 19.2% APR *MBNA 1 2300/5000 - 20.9% APR - former BT card, paying £45 interest pcm *MBNA 2 2850/4500 - 0% BT card *Fluid 1000/1200 - 0% BT card.…
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What card lets you transfer other cards AND a bank overdraft?
Hi Guys, Having a bit of a nightmare trying to find a credit card that allows 0% interest free credit card transfers AND bank overdraft transfers. I'm reading online that it's possible, but so far have not found a card that allows this, only credit card transfers. I'm on a very low income (<12k a year) so I'm looking for…
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Is there anything I can do?
Not sure this is in the right place so please feel free to move if appropriate. I have a credit card with a large balance outstanding ( over £8 k). The interest alone is over £100 a month. I don't work so I don't have any income (my husband pays the bill) Is there any way I can swap this to a card with an interest free…
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Credit Card Additional Payments
Hi All, I've recently opened a credit builder card with a £1k limit and a Direct Debit (IN FULL) My plan is to keep it at 25% to show I'm using it but not going too mad. I've been putting purchases onto the card, and my last statement balance was around £280. Since then, I put a larger purchase on it, and then brought the…
