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Recommendations for Credit Cards?
Hi there, We have held credit cards with both Barclaycard and Sainsburys for a little while now and I'm just weighing up if there are better options for us. I should point out from the outset that we never use the balance transfer features and we always pay the Direct Debit off in full every month. The Barclaycard Freedom…
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AMEX cards
i recently took out an AMEX gold when the introductory offer was boosted by 10000 points to 30000 on a 3K spend in first 90 days of membership. Paying for a summer holiday i achieved this. I am now reminded by AMEX that if i refer someone and they are accepted be both get a reward in the form of extra points. My question…
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Advice Please
I have the following: - £9,058 at MBNA 0% interest for 48 months from July 2021 - I pay £580 per month on this - £5,265 with Barclaycard 26% interest - I pay £290 a month on this. My fixed mortgage runs out in December 2023. I have around £9000 in premium bonds. I have a couple of concerns - I want a good credit rating /…
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Credit card problem
I managed to bag a 0% interest for 15 months with the intention of moving a high interest loan with a finance company to the credit card to find out the transfer can only be made card to card. Now have a 0% interest card with nothing on it. Could I pay it with my other credit card then transfer to the new card?
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Pay off 0% Credit Cards with Mortgage Borrowing?
We recently Remortgaged and received an extra £115k to renovate our property and pay off some existing Credit Cards. Now that we have this money, having paid off one credit card which was incurring interest, I'm now wondering whether the pay off our other three 0% Credit Cards (total approx £11k) to wipe the slate clean…
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Santander Everyday Credit Card
I opened one of these towards the start of the year (already had a Santander current account) Does anyone know if the card requires you to have a bank account, to remain open. i.e. if I close the current account, will the card also be closed? I did read through the T&Cs, and I didn't see anything, which would mean it…
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Use credit card to 'transfer' to supplier
I would guess that this is not possible but would love to know it can be done!! I wish to pay a supplier and have their bank details but would like to have section 75 protection so do not wish to to do a straight bank account to bank account transfer. Any way to do such a transfer from my credit card account.....and then…
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Tesco Credit Card Clubcard Points
Am I correct in that If I spend £7.99 or less not in a Tesco store with my Tesco Credit Card I won't receive any points so I would be just as well accepting the new NewDay Pulse credit card to replace my Amazon credit card and getting .25p per £?
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Platinum Amex
As my Amazon new day card is coming to an end, I've been looking for a new cashback card, I have the Amex silver, and now adding Amazon purchases back on I'll be spending around £1200 - £1500 a month, is it worth me moving to the platinum and paying the£ 25 a year I can't understand the maths 😂
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Rejections due to part time work
My current 0% credit card period is coming to an end, but when performing soft credit checks, I am either coming back with no options or only a small chance of being approved. The difficulty is that my employment is only part time with an income of £13k per year. However, I have separate income from my rental properties…
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How do balance transfer cards work in practice?
Hi, I’ve never used a balance transfer card before. I understand the principle, but how does it work in practice? Specifically, what happens to the first card - is it closed or is it still usable? As an example, let’s say I have a Barclaycard with a £9,000 balance and £10,000 credit limit. I open a Halifax balance transfer…
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Is MBNA still good and could be used to facilitate BT?
I got a good 0% on BT with Barclaycard and will use MBNA to facilitate that to be transferred to my current ac (e.g mulcard). Is still working without inherent problem ? I also have Virgin Money Credit card that could be used instead. I know both cards are very good cards for mulcards. Could be also be used on the same way…
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Help! Zopa balance transfer
Hi all, Thanks for taking the time to read. My promotional period with Zopa is coming to an end. I saw a good deal for a sainsburys card to transfer my balance to. After having the card approved, it turns out they won’t process a balance transfer from Zopa! I had another credit card with capital one already so I thought I…
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Can I do a money transfer to pay off credit card before I get charged interest?
I have some money on a credit card that’s from a balance transfer I did a while back, and got it on a 0% interest for X months offer. I will start being charged interest soon at 4.9% but I can't pay it off just yet. However, on the same card I can do a money transfer, get 12 months 0% interest on that transfer with a 5%…
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Barclays 0% purchases
I took out a Barclays credit card in June with 0% on purchases until 1st May 2024. I have the email which tells me this with the welcome email. I haven’t used the card but I’m wanting to use it now. I’ve just logged onto my online account and can’t find anything with the 0% on purchases anywhere at all on my account. Will…
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Now I have too much money on my CC after balance transfer?!
Hey guys, I've tried finding this answer online for the last couple of days but no such luck. I recently did a balance transfer for my credit card, the amount was about £2,200 but I wanted more of a safety net so upped it a bit. It's now transferred the full amount to my old credit card which now has a +£1200 on my card…
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M&S credit card issues
I’ve had an M&S credit card for 15 years now, and have had some issues with it that are frustrating. I tried to buy something online (card reader at the ready to verify) last week, only for the card reader to say wrong card. I rang them and wasn’t given an explanation but they would open a complaint. I’d like to ditch them…
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Stoozing Tips needed
Hiya So i have a few credit cards sitting about with nothing on them and wanted to try and make some money off them now rates are getting back on the up. I have MBNA offering these 2 rate below Obviously the 1st one is pretty terrible due to the fee. The 2nd one is it possible to take this and then immediately balance…
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Barclaycard BT Alongside Normal BCard Spending Payments?
Apologies if this is in the wrong area. I have just taken out a balance transfer offer for 18 months onto Barclaycard. In addition, I have used my Barclaycard this month with spending around on it of £300. For payments, because I only used my Barclaycard recently I do not need to pay anything at this stage on 10th October.…
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Next Account - Balance Transfer from Credit Card?
Try as I might, I am struggling to clear my Next account which I have stupidly run up. Interest rates are high. Does anyone know if there is a 0% balance transfer credit card I can use to transfer the debt over to be interest free? The fee will be for sure cheaper than the interest? Priority is obviously to clear this as…
