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Balance transfer as student
Hi. I have a credit card which I’m paying back 85 a month in minimum payments, of this 55 is actually interest. I’m a full time student a teacher now so don’t have an income . What options do I have to get this card onto one with a better rate or a balance transfer for example bearing in mind I’m a full time student. Not…
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MBNA balance transfer
Hi, I've been trying now to do a balance transfer to my existing MBNA credit card for two weeks. My current balance with them is low and i have enough available to make my transfer from my Barclaycard credit card. When i try and do this online a message comes up saying not able to process and to give them a call. When i…
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When to request a copy of CCA
I was thinking about requesting a CCA for an account that I haven't made any payments to for years. It has been passed on to another company. I haven't responded to any letters that they have been sending and have had no other contact with them. Should I send them a CCA request even though I have no repayment plan in place…
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Pockit card
Hi A few years ago I opened a Pockit card account,and other than a few unauthorised payments that were attempted,I have had no problems. Since I recently got a PayPal Credit account,and since Pockit started charging 99p a month admin fee,I want to cancel the card. But because there is £2.86 credit on it,Pockit won't let me…
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NatWest Card Reward Rate Reduction
Had an email this morning that says : From 1 February 2020 we’re reducing the Reward rate from 0.50% to 0.25%. The new rate will continue to apply to all purchases you make using your credit card, this means you will earn at least 0.25% on whatever you spend. We’re making this change as the costs we incur for servicing…
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Barclaycard write off
So I called Barclaycard this morning to pay the minimum amount on my balance of £16. The operator said as I was a valued customer, and it was a small balance, they would write it off. Is this legit? Has it happened to anyone else?
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Brachers contacting me on behalf of Corporate Credit Card debt with Amex
Hi all. I am new to the forum so excuse me if I haven't manage to post this where I should. I have been contacted by Brachers on behalf of AMEX. This relates to a corporate card debt. The letter is as Pre-action protocol saying I have 30 days ro respond. The letter states that my liability arises under a written…
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Two cards with mid balance or one card with high?
I currently have two cards, both with around £4k balance and both on 0% which I pay more than minimum payment each month on. As I've just swapped one of them to a new card with 20 months 0% I have enough of a limit on that to take both balances. Which is best practice - Two cards with about £4k balance (about £7k + £9.5…
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SCS Problem
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Help Needed Desperately
I have just applied for a o% balance transfer credit card from Virgin Money as it came up on this site for me. But 2 days later I've discovered they are not wiping out all the balance, just part of it, because they say it would be more than they are prepared to offer me in credit - fair enough. But ... I'm trying to work…
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MBNA Balance Transfer
Hello everyone, Just posting a personal anecdote as to my frustration with MBNA. I've built my credit history steadily since 2017 when opening my first card, I've never paid a penny in interest on any of my cards, and I only allow balances to carry on 0% promotional periods. I have a card with Tesco with a 0% offer until…
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Booking.com filthy holiday flat
Hi we are looking for some info and help on where to go, we booked and paid for accommodation through Booking.com and all the reviews were good. But when we turned up the flat was far from good, kitchen was filthy,rotten food in the cupboards work surfaces, floors and utensils were filthy and it smelled, also the bathroom…
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Credit card advice
Hello Please could I have some advice as I’m really confused. I wanted to buy a new car and the best way for me to fund this was by taking out a cash advance from my Virgin Money credit card. I was charged 4% fee which gave me 0% interest for 13 months. All good and I’ve been paying off a set amount each month and will…
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Section 75 Claims on CC Company
Hi What is the consensus opinion on a Section 75 claim on my CC company for failed good/services? Are they likely to challenge or are they generally sympathetic to justifiable claims? J
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Advice on which CC to pay
Hi, I’m new to all this and this may sound like a silly question to many of you....I have a CC debt of just over £11k, which means I am paying £275 per month minimum payment, of which £170 is interest..and after looking at this site, I have taken out a new CC which offers me interest free credit on balance transfers for 28…
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Any Credit Cards that carry critical illness insurance ?
Are there any Credit Cards that carry critical illness insurance ? I`ve recently been diagnosed with a critical illness and as far as I know know have no insurance but got to wondering if any of my numerous credit cards may have any cover ? thought I`d ask here before spending hours on the phone.
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balance transfer
Can i still transfer my wifes credit card balance to a new card in my name? Thanks
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Credit machine not working trying to buy car
My partner is at a dealer right now miles away, in the middle of trying to buy a car, but their card machine is not working. He wanted to pay a small sum by credit card to get protection and so he has offered to pay the rest via bank transfer today and a £50 balance by cc when their machine is working again. They insist…
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Card with largest limit?
Hello, looking for a 25month 0% card for buying a car. Which lender typically gives the best (largest) limits. MBNA, Sainsburys, Barclaycard ? MSE eligibility checker says 100% (pre-approved) on the MBNA and Sainsburys and 95% on the Barclacard.
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MBNA Credit Card
MBNA Card 0% on all purchases until 01/09/2020 I took out a credit card on the 03/04/2018, as far as I was aware it was 0% on all card purchases until 01/09/2020. My fault completey as I havent checked the statements all this time and fortunately didnt use it two much since opening but hav ebeen subject to interest charges…
