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Balance Transfer CC and Mortgage
Hi, We’re looking to apply for a mortgage and, as a first step, are working to complete the Agreement in Principle (AIP). We currently have four balance transfer credit cards with outstanding balances. Although these are on 0% interest, we are making monthly repayments and expect the balances to be cleared within the…
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Random Declines - could be dangerous
I have both top recommended travel cards, Halifax Clarity & Lloyds Ultra, and took them both on holiday with me just before Xmas. Both card issuers are part of the Lloyds Banking Group, so presumably, use the same systems. Neither banks needed to be told where I was travelling to, beforehand. Upon arrival in foreign parts…
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When to pay off Balance Transfer
I have couple of chunky 0% interest balance transfers that expire on 18th and 25th February. The Direct Debit is slated for 2nd February, and is currently set to the minimum (as it has been for the duration of the BT). There are no other purchases or other transactions on the card. Is it OK to let the direct debit run and…
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Barclaycard Rewards
Hi all :smile: are there any credit Cards out there that's better than Barclaycard Rewards?
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Reconciling my Amazon spending
I spend a lot of money with Amazon but I like to reconcile my purchases as listed with Amazon with the credit card I use to pay. It is always a bit tricky but since I started using the Barclays( Amazon) card I am finding it nigh impossible. Anyone else have this problem or am I just getting old ? I know most people don't…
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Instant use credit card with welcome bonus?
Does anyone know if there is currently a credit card with a welcome bonus (cashback, supermarket points, gift card etc) that can be used instantly (without having to wait for a physically card by adding it to Apple wallet for example)? Looking to purchase flights in the next 48 hours, so thought it’s a good opportunity to…
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PayPal Credit credit card
In an email from PayPal Credit I see mention of a credit card: Nothing really around that I can find apart from a coming soon page on their US site (although the link starts on the UK FAQ page) https://www.paypal.com/us/digital-wallet/ways-to-pay/credit-services/paypal-credit
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Charged interest for balance transfer on Asda Money Credit Card
Hi all, I recently signed up to an Asda Money Credit Card to do a balance transfer as it was advertised as 0% for 12m. However, they started charging interest (around £100) as I missed a minimum monthly payment as I set up a direct debit up too close to the due date and a payment was missed. They made no attempt to contact…
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Balance transfers
Hi am wondering if anyone can help me please, I’m looking at funding a surgery privately, it may cost around £10.000, I have an offer with my bank for a personal loan but after paying off current loan and paying for this years holiday it will leave me around £2000 for the surgery deposit, I have 2 credit cards both with…
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M&S credit card offer ??
Hi everyone, I signed up for the M&S credit card through a MoneySavingExpert offer back in November/early December. I’ve finally received the card, but I’ve completely forgotten the exact details of the signup bonus! Does anyone happen to remember what the MSE-exclusive offer was at that time? My searching skills are…
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Virgin credit card issue regarding balance
Basically when I opened up my Virgin credit card app it shows me my available balance and how much I owe when I click on that it comes up what makes up my balance when I click on that it then appears we have a balance of £2018.57 with a list of promotional rate purchases promotional money transfers and cash and other…
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Advice needed for help with a high interest credit card
Hello, I'm trying to manage the debt spiral I'm in. I have 3 cards on 0%, and my problem card with Vanquis. It has £4355 balance, the interest is crazy. So I followed the advice about a debt shuffle and called them to see if they could shift to 0% or freeze interest to allow me time to reduce it. They told me the interest…
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RBS Credit Card Blocked
Hi My 0% rate is due to end in Jan. On 22nd Dec I did 1 balance trasfer to another card I have, another 1 balance transfer to a new card that I will be replacing this one with. I also made 2 payments. My usual monthly payment from RBS account and another from my savings also RBS to clear the blance. In total about 9k for…
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Section 75 for Legacy JL Card
I need to make a section 75 claim for a transaction made on my John Lewis partnership card back in January 2022. I no longer have a John Lewis account but I understand that I can still make a claim despite this. I did some reaerch and found that John Lewis used to use HSBC at that time (they switched to Newday later in…
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Is the Chase Credit Card Better than Halifax Clarity?
I'm trying to slim down some of the different banks I have accounts with. At the moment, I have a Halifax Clarity credit card, which I use rarely but it's useful when I do use it - most of my spends are on American Express. The primary reason I got it years ago was the fee free spending abroad, although it's also useful…
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Balance transfer question.
I have £1700 on one credit card which is a mixture of balance transfers until 2027 and a very small amount of purchases. It has a deal of a balance transfer of 5.9% rate over 30 months with a 0% fee. My other credit card has a zero balance and 0% balance transfer rate with a 3.5% fee until end of 2026. I pay off around…
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Section 75 claim for defective laptop repairers won't return?
Hi all, I'd like to understand my options and chances of success for an S75 claim for a faulty laptop. I bought this in August 2024 but it was never right, partly because it was not fit for purpose, probably not because of a defect but because of an inherent design issue, and partly because of a number of manufacturing…
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UK-drive.com
A relative has recently moved and absolutely believes she changed her address with the DVLA on the official gov.uk website. However, she has now noticed that she is being charged £39 a month via her credit card. We googled the site from the statement reference. She doesn't recognise the website and doesn't have any emails…
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New credit card
I recently switched current account from Smile to Lloyds. Partly because Smile’s website is showing its age/becoming glitchy and partly to take advantage of Lloyds £200 switching incentive. I also decided to close my little used, nil balance credit card with Smile, thinking it would be simpler to have one with Lloyds.…
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Finally learned my lesson
Hi, I have been in debt since the age of 18. I am 49 now. I am paying off a DMP with 6k left. I have 5 credit cards, all with a 0 balance. I log on every day and it fills me with joy to see a 0 balance. I use them but pay them off in full every month so I never pay any interest. This is my 3rd and final DMP. I'm so happy…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
