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Balance transfer 0%
I’ve just got a letter from credit card company, that they are giving me 0% interest on new balance transfers. Could I transfer the current balance on that card to another one and then back so I’m paying 0% on it or would I get charges from both cards for only having the money in a short time?
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Capital One credit card Direct Debit payment not debited from Current Account
On 01 October 2023 I changed my Direct Debit (DD) to pay capital one credit card in Full (full statement balance). Previously, it was set to minimum payment. There was confirmation on screen to say it was successful. I did the above well ahead of my statement date (because we need to see 'confirmation' on statement). My…
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Zero Percent Transfers Between Zero Percent Balance Transfer Cards
I'd like to know if this is possible/allowed. Scenario: * I need a new (to me) car. I have two zero percent balance transfer cards, each with a limit of £6k. * I want to buy a car for £10k * Question: can I put £5k on each card, then transfer each card's balance to the other card, thus maintaining my zero percent interest…
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Bits - Edition One Credit Card
Appears to have recently launched. Designed as a "Credit Building Card" it offers No Cash Withdrawals or Balance Transfers and reports to Equifax, Experian and TransUnion. And also .. Please note that the Bits Credit Card is not a regulated credit product, as it is structured under exemptions in the Consumer Credit Act.…
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Amex nectar card and Amex ba avios card
Hi,does anyone have both of these credit cards issued by American express?. I have the nectar one with pretty limit (20k plus)but I can't seem to get the ba avios credit card approved by them.
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RBS credit card issue with interest
Hi, I got credit card with RBS with 10000 pounds limit, and I used in once to make interest free balance transfer from another credit card one year ago. My interest free period will finish at 10.04.2025. My statements are generated on 7th day of each month, with a payment by 1st day of a next month. I want to make one big…
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Paypal credit query
In lat jan i signed up to Paypal credit. Received first bill in February with the payment due before march 22.I have 0% interest until 1 JuneYesterday i made a payment, manual not DD, of £50.The payment was showing on Paypal as 'Scheduled' even though payment date was set as 10 March.Today on Paypal the payment is showing…
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Credit card for overseas spending
I run a small charity with 3 staff who have to travel internationally for work frequently. We bank with Unity Trust Bank, who provide us a cheap and reliable business current account but the card they offer is not great - £50 setup, £3 per month per card and 2.75% transaction fee when used abroad. Is there a credit card…
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Credit card balance transfer question.
I see a lot of ads for balance transfer but this always seem to be from one credit card to another. Can you transfer the blance of a credit card to my bank account? For instance I want to buy a car but I don't want to get a loan or car finance with fixed payments everyone month over 3-4 years. I'd rather buy it on credit…
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Capquest
Hello everyone new on here , I received a letter from capquest claiming I owe a debt to mbna and I know it's at least 10 years old a friend has suggested I send them a sattue barred letter , but on the letter there is no address for capquest could someone help me with the rite address please thank you
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Credit card balance transfer
Hi all, I have the option to transfer a £9,000 credit card balance from my Barclaycard and Tesco to an existing MBNA card I have - 0% for a year. Or I can apply to a virgin card - 0% for 29 months. Which is better for my credit rating? I won’t be able to pay off in a year so will prob move again. Thank you!
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Is there a way to obtain a balance transfer cc with a set credit limit?
Anyone else struggle to balance transfer to a new cc where the credit limit is never defined up front even on a soft search?
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money transfer to pay same credit card
Hello I just want to make sure that i understand this I have been offered a money transfer at 0% for 12 months @3.5%. If i transfer the money(say 1000.00 @3.5% charge) into my current account, i can then sent it back to the same credit card to pay off orginal balance(again say1000.00@24.9%) and i will still owe 1000.00 but…
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Santander Edge Credit Card - Using it Abroad
Hi, my new card is on it's way and with 2% cashback for the first year I expect to use it extensively. A significant amount of my spending will be made in Euro. Has anyone had a chance to use it overseas yet and can confirm the 2% cashback applies to non sterling transactions ? Were you happy with the exchange rate and was…
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Car rental deposit?
Hi,A few years ago, we were in all sorts of trouble with debts, were in a debt payment plan for a long while and eventually managed to pay everything off and vowed never to "borrow" money again.But we are going away in June this year and just realised that we will need to have a rental car. I also realise now that most car…
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Credit card for foreign travel
I've been using Halifax Clarity when I travel for many years for drawing cash and for credit. However this trip I've just come back from I've been blocked for one trivial reason or another, over tiny amounts. It has been extremely annoying and worrying having to call Halifax from abroad and being told the wait time was 30…
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OPTIMUM Prepaid Mastercard?
I had one of these for several years, then about 12 months ago I got a letter (followed by a few reminder emails) to say they shutting down all the cards. I spent all remaining credit, then forgot about it. Today, I've received an email saying my card is due to expire, and that I haven't used my card in quite a while, and…
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Is having too many credit cards a bag thing
Good evening I am just looking for opinions or help. I currently have 4 credit/purchase/balance transfer cards which I opened all within 12 months, which I have managed to reduce my debt from £6,000 to £2,000. All of these cards have a limit of £1,000-£2,000 1st of the balances is £200.00 - interest free due to end in 2…
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Applying for a CC with Lloyds when you already have one. Don't close the original card before!
ok, just a bit of a moan. amounts used are for illustration purposes only :expressionless: have a CC with a limit of £3000, unused for ages and no BT/spend offers worth having. checked eligibility for a second card and was offered £5000. thought i'd be clever and close the old card first in the hope i may bet a larger…
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Clearing my Next account balance
Could someone please advise the best way to transfer my online Next account balance to a new credit card? I just want to transfer the balance to a 0% credit card and pay it off but it seems I have to pay the Next balance off 1st with another credit card then transfer that balance to my new 0% Virgin credit card? Can I not…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
