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Credit Card Utilisation vs Mortgage
Good evening, First post here, so please go easy! My wife and I are planning to sell our house / move in April 2020. I have 5x Credit Cards, total limit of £27k. 2x Credit Cards have a £0 balance (these 2 have a combined total limit of £8.5k, not interest free) 3x Credit Cards have a £6k balance shared between them (these…
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Time to consolodate?
I have three credit cards; two of which are relatively small, manageable, and under control. However, I have a big one with a balance of £5500 and can't seem to get it down. It was originally opened as a balance transfer card but the 0% interest rate has long expired (yes, I know - spare me the lectures). I'm now repaying…
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Consumer Credit Act - Thomas cook retrospective addon
Hi Guys, I recently changed my parners name on a thomas cook booking and had to pay the £60 admin fee by credit card. We booked the holiday last year and are due to get married while we are away. I realised that I hadn't put her name in properly (matching passport) when we received our travel documents. So paid the charge…
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Help
Hi there, Finally plucked up the courage to post on here... I have a bank loan which has approx 6k owing. I am looking at ways to get this loan transferred to a 0% card potentially? The monthly repayments on the loan are £152. Is it feasible for me to either use one of my existing cards when a 0% cash offer comes up to…
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John Lewis Card Payment Charged Twice
So John Lewis' partnership cards website updated recently and has a huge host of issues, namely: - Logging out within a few minutes without notice - Convoluted (more secure) login procedure - Exports to excel both credits and debits are indistinguishable - Exports to excel are in text only and require numerical formatting…
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Credit card v paypal
I'm considering making a £600ish online purchase from a company trading in the UK, and the checkout has two options: Sign-into Paypal account or continue as guest. Is there any difference in the protection using a credit card through a paypal account versus inputting credit card details as a guest? As a guest, am I relying…
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0% credit card to pay off overdraft
Hi all, I received my 0% credit card, and have received the necessary funds to pay off my overdraft. Of course, I need to pay the credit card off each month, where I am paying £200 per month. How did most people manage their overdraft with this? Did you just instantly minimise the overdraft amount by how much the credit…
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Do secured credit cards exist in the UK
I'm not looking at applying for one for some time as I am waiting for discharge at the minimum before that happens. Just doing some research in advance. I've seen theat Capital One used to do a secured credit card in the past, but no longer seem to offer the service. Are there actually any UK providers who do offer this…
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Using 0% interest card for a deposit
I'm hoping to buy a used car over the next few days. I have £300 cash that I can use as a deposit, by was wondering if it would be better to pay the deposit using my credit card which has 0% interest on purchases...can I do this? Just don't want to use I think in a way that would then incur interest charges but my…
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Which balance transfer option is best? Fee or not to Fee . . .
Hi, wondering if anyone can help with the following; Looking to transfer approx. £1k via balance transfer to an existing (dormant) CC that I haven't used in a while. Transfer options are; 1) 0% interest p.a. over 24 months with a 3% fee 2) 4.9% interest p.a. over 36 months with a 0% fee 3) 0% interest p.a. over 9 months…
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Former housemate moved out - 118 won’t change address
Hi there, My friend, let’s say Jenny, used to have a housemate, let’s say Sarah, who raked up quite a bit of credit card debt on three credit cards and ended up moving out without changing her address. For other reasons they do not speak anymore and this has always been a sore topic, with Sarah denying any debt. Jenny does…
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Money transfer to pay off same credit card?
So I just wanted to get some thoughts on my plan to minimise interest paid in the next couple of months. I have one credit card with a limit of £4000. Up until recently I spent about £300 p/m on it and paid it back in full, but next month I have a large holiday so have racked up a higher balance of £1500 by paying for…
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Marbles decreased credit limit
I paid my credit card off in full 2 days ago, and I've just had a text to say they have decreased my limit. I now 2grand vanished into thin air, which is my money to survive on for the next 3 months. I have always paid more than my monthly minimum payments and an advisor I spoke to 4 weeks ago said that my account was…
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Balance transfer - confirmation letter?
Hi I am doing a balance transfer from my amex to my mbna, I wondered if anyone knows how they confirm the transfer, is it just by email and text - do they send a letter in the post as well? Thanks
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Refund due on credit card...
Earlier this month I booked some accommodation through AirBnB using my credit card for 7 of us. When everyone transferred me the money I paid off the credit card accordingly. My new statement is due on Friday but I received a message today from the host of the accommodation saying that they have had to cancel my booking…
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PRA Group
Hi I had a Barclay card. Anyway after being abroad and not checking my mail I saw that my payments were not getting paid. I called them and basically they transfered the balance of around 8k to PRA group Limited. Anyway I am no longer living in the UK and I want to avoid any penalties and just pay it. Can anyone give me…
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New 0% Balance Transfer Now
Morning lovely people. I have two 0% cards both ending in and around spring next year. Santander £1500 balance 0% Sainsburys £2600 balance 0% I'm getting a little edgy, I have looked at the soft search cards and I am still eligible for some decent deals to balance transfer again. My thought is to get one of these new cards…
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Capital One credit limits
Hi all. I'm trying to improve my credit history due to a mistake i made a few years ago. I have a Capital One card which i got in 2016 with a credit limit of £500. I manage it pretty well and credit limit has been increased over 3 years to £2500. Was wondering what the highest credit limit someone has had with Capital One…
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Can interest be refunded?
Hi everyone, I'm new to the forum so I hope I'm putting this in the correct part. I'm currently helping my husband's nan with her debts. She has been on a DMP since 2008 but is still being charged interest on some of the credit cards & catalogues that are included on it. One of the catalogues she has charges more in…
