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Paying interest on a 0% balance transfer
Hi, I have recently made a couple of 0% balance transfers on different credit cards, but upon looking back at statements i notice that i have been charged interest! I made sure i have met all payments and have payed more than the minimum repayment. Any advice on what I should will be greatly appreciated. James
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Extra checks taking a long time on balance transfer - any guidance?
Hello all, hope you're well. Situation: - £1600 on 0% interest balance transfer card (not able to make any more balance transfer requests) - £400 on 'emergency' credit card - Applied for another 0% interest balance transfer card (Sainsburys) to consolidate the two - Excellent credit score I applied over three weeks ago as…
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A potential first time buyer looking for credit card advise...
Hello all, I am a keen money-saver after many years of overspending. I have managed to reduce my debt to £3000 on a 0% balance transfer credit card, my 0% period is ending in April, so I would usually apply for a new one and continue to pay it off gradually, however, I am building a house which is due to be complete in…
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Next account card
I need advice on the best way to clear a next store card with a balance of roughly & £800 ? Next accounts cannot be cleared via a % credit card balance transfer as I have already checked !!
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Are Barclaycard applications just adverts for Equifax?
I have a good credit rating, and yet barclaycard has rejected every application I made with them over the years. The only thing I get from them is a rejection letter saying I should pay Equifax for a credit report to find out why I was rejected. The free credit report on Credit Karma shows there are no issues and I'm in…
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Me Having a 0% Card but taking the balance from my wife’s Credit Card
Hey so yeah my wife and I have gotten ourselves into a fair bit of debt. A mix of a personal loan and Credit Card debt. Taking the bull by the horns and trying to deal with it. we are trying to move the credit card debt on to 0% cards. My wife has 3 of them already and maxed out what she can on each. She tried for a 4th…
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Pay for delete? With credit card companies?
Is this a strategy that's likely to work with credit card companies? Any research I find on this strategy suggests it can only be used with debt collection agencies. I'm currently on a DMP with a creditor as was unemployed but just got a job and expecting a comparatively big pay cheque next month. Annoyingly the agreement…
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I’m on an DMP, am I obliged to tell my creditor if I start earning significantly more?
Up until now I’ve been allocating some of the money received from universal credit allowance to pay off my credit card balance on a DMP. I just got offered a reasonably paying job however and I start work soon. I assume this would be considered a change of circumstances and so I’m not in the position I was in before when…
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Updating a credit file when account is closed
Does anyone know how long it takes for a personal credit file to be updated when a credit card account is closed? HSBC wrote to me in August 2021 to say that as my credit card hadn't been used for some time it would be closed within 2 months if they heard nothing further. As I no longer needed the card I left it for HSBC…
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Can a balance on a sole trader business credit card be moved to a 0% offer personal credit card?
Hi. Can a balance on a sole trader business credit card be moved to a 0% offer personal credit card? Many thanks. J
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Benefit from having an "Empty" Credit Card?
I spent nearly £3000 on a credit card a year and a bit ago. It's about paid off - £300 which will be paid next month (although still has quite a few months until the end of the 0% on purchases). Is there any benefit to keeping it as "available credit" even though I won't be spending on it again?
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Understanding combined 0% balance transfer for 18mths and 0%purchase card for 3mths
This credit card is available with Santander "Everyday No Balance Transfer Fee Credit Card". Just need some help understanding how the payments would work-if I want to avoid paying any interest. If I set up ddi for minimum amount for balance transfer, payments would leave to pay off the Balance transfer, but then could I…
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Not a Scam but Strange Emails / Results
I'd like to think of myself as pretty savvy when it comes to scams and such but there is something that has confused me. I spent £40 on a HALIFAX clarity credit card at AliExpress. The item was a different size than what I ordered. AliExpress did not uphold the claim - no refund. Spoke to the seller who said I could send…
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Pre-paid credit card for nanny
Hi, we have a nanny who looks after our children during the school holidays. We have always had a petty cash box that she can dip in an out of when spending money on excursions, food etc. However cash isn't always accepted anymore, so we would like to get her a pre-paid card instead. I wondered if anyone has any experience…
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Aqua closing account - any ideas?
Hi! I have had an Aqua card. In November, I had a heart attack at work and everything bounced. Aqua have now closed my card and forwarded the account onto a debt collector but they are recalling it so I can pay it off with them. Now - here's the thing. They're happy to recall as it is a genuine reason for not paying, but…
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Barclaycard Refusing Full Refund
Morning everyone, Back in 2019 I purchased some concert tickets for myself and 7 friends on my Barclaycard (I thought wise at the time given the size of the transaction), then paid the card off immediately. The concert was subsequently cancelled due to COVID and we’ve just found out it’s been rescheduled to a day we can’t…
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credit card refunds
All, I have had 2 credit cards in my life - a barclaycard and a capital one card. Both have been maxed for a very long time, but recently, barclaycard refunded a whole chunk of my debt, for little things like not sending letters when they should have or overcharging when on a forced repayment plan. Capital one has…
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Juggling 4 credit cards. Best way to use them?
Does one need to be utilising their cards for them to stay active? This is the way I'm planning using mine to build my credit worthiness. Does this sound okay? Vanquis (£500 limit) direct debit coming out for Apple Storage - £0.79. Paid off I'm full each month when bill generates. Post office (£200) direct debit coming out…
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Should My Solicitor Have Done This?
I had an accident at work in December 2017 and haven't worked since due to shoulder problems and a bad tremor down my right arm. My claim is being handled by solicitors appointed by my trade union. The solicitors have been very poor and I have had nine different solicitors so far. The defendants have submitted a list of…
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Accidentally applied twice
Hello, I’ve accidentally applied for a credit card twice, it crashed as the application went through so had to re do, then had two emails saying Thankyou for applying. I’ve rang and cancelled one straight away but he said he can’t guarantee the search will go. Any advice?
