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Close credit cards?
I have been debt free for a while now (thanks to this website and YNAB) but still have 2 credit cards and not sure what to do. Both charge over 20% interest and have nothing on them. One has a credit limit of £9400 and is linked to my bank account (BOS) and the other is a Barclaycard with a limit of £1000. I am working on…
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Capital One credit card. When do they increase balance?
I recently got accepted for a Capital One credit card which has a low limit of £200. I'm solely going to use the credit card for my weekly food shopping spending £40 a week then pay off balance every month. How long would it roughly take for them to increase my balance? I like how on the app they have the option to freeze…
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Balance Transfer from Argos Card
Hi All, Wonder if anyone can help/shed some light. Is it anyway possible to do a balance transfer from an Argos Card to a credit card? Apparently the card number I have for Argos is too long and having a persistent debt letter cos of their stupid APR (never again!) I want to transfer to a 0% CC. Thanks for any advice!
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Access to credit card account
I opened a balance transfer account with Virgin Money in 2019 with the intention to clear my balance by the date offered which is September 2021. I now find that I will have to close this account because Virgin are closing their option to bank online and access will be via a smart phone app only. I guess there will not be…
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House Renovation/Extension best way to finance
Hi I am new to this but here goes. We are looking to start a scheme of renovation and extension on our house. We would like to pay off the works prior to our mortgage renewal in 3 years time. What’s the best way to finance ? I have read that maybe two 0% credit cards could work ? A money transfer and a payment one? That…
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PayPal Payment by Credit Card Query
I hope someone can help me with my query. Basically if I have a credit balance on a credit card, can I link this card to my PayPal account to pay money to my friend via PayPal. If this is this possible, are there any charges involved from the credit card company and PayPal?Thanks for you time for replying
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paying of debt on suspended credit card
I wanted to know once i've paid off my credit card debt would the company be obligated to reinstate my credit card still having the same credit spending limit ?
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Jaja problem
I have just read a number of posts re: Jaja Credit. I add another. When my account was transferred from Post Office to Jaja credit card there was a balance of nearly £ 1500 which remained interest free until December 1 this year. To ensure payment was received by this date I made a money transfer from by bank which was…
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Santander 0% credit card transfer
Hi, I have a 0% interest santander credit card which I pay the minimum back per month. The 0% interest period is coming to an end soon. Can I transfer to the current santander 0% interest, 0% fee deal, even though the card I already have is santander?
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Paypal Login authentication and invalid mobile number
Ok, so Paypal want authentication on mobile number and guess what, O2 have decided to cancel mobile number and no you can't have it reactivated... and guess what... paypal doesn't offer an alternative way to authenticate and says in their help page to contact them by logging in. What a ridiculous unfriendly customer…
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Using a Money Transfer to pay off the same card?
Hi all, I have a Virgin Money credit card, and have 0% deals on transfers and purchases set to expire in April and July respectively. Virgin have just pinged up an offer of 0% on money transfers until January 2022 with a fee of 4%. My question is this: Is it theoretically possible to use the new offer to transfer myself…
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Amex Section 75 Claim - How Long?
I'm aware that Section 75 claims have no hard deadline, however I am curious as to other people's experience of claiming under Section 75 from American Express this year.Hotel stay cancelled due to Covid back in April. Charge back was not available on the Amex site so did Section 75 instead (£1000). Since then the only…
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Nectar Amex “More Points”
Hi there Last couple of months I have been earning extra nectar points on my nectar Amex - but I don’t know how or why! They are labelled as “Nov 20 More Points” and this month it was 1500 points in addition to my normal earnings. Not complaining, just curious as to why I am earning them so I can continue to do whatever is…
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Do I need a credit card ?
Looking to get a car soon and was told it would be best to pay for part of it via credit card and then the rest by debit card . I don't want the hassle of a credit card as it's more to worry about and I'm unemployed. However they say I have more consumer rights with one? I'll be buying from an official dealership so it's…
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Amalgamating card limits
I have just finished paying up a Santander 0% card and no longer need it, but it has a very useful whooping great limit on it. I also have a Santander Zero card that I like to use on foreign trips but it has a smaller limit. If I were to close the 0% card would Santander look kindly on my request to " transfer " the limit…
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Credit card or Loan?
Hi everyone, I'm in a bit of a dilemma not sure what to do. I have £7k savings i was planning to make a £7k over payment to NatWest loan to reduce the term by 1 year and save around £1000 in interest but i'm struggling to get any 0% BT card for my santander credit card which has 6 months interest free remaining which is…
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Continue transferring or another option?
I've been playing the 0% transfer game for a good few years now, but I'm now at the point where my partner and I are in about £9300 of debt across five credit cards. I tried to apply for a loan today to try and get that all into one monthly payment, sadly that was declined. I imagine this is due to the fact that all of…
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Capital One Card
I recently got a Capital One card to try and improve my credit score. The problem now is that when I try to pay off the balance with my usual bank card, it keeps coming up with an error and wont let me pay. There is a button you can click to send a secure message, but that just takes you back to your account main page. Ive…
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RFID Blockers
Are they really necessary, or is it all a con to sell them? There is a video going round showing people being "scammed" but its by a card blocker seller!
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amazon reward
Hi, It says you get £30 if you sign up to amazon credit card. Is there a way to apply for it again if I already have an amazon credit card from a few years ago?
