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Help Please
Hi MSE Forum, please bear with me - this is my first post... I am looking for the lowest 'money transfer' cards - I can't seem to find them on the MSE site?? I usually use MBNA as I have a large credit limit with them but they want 5% to transfer the funds to my current account - are there any better deals? I know Virgin…
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transferred balances with new cards
Hi, I hope i'm in the correct place. First of all, i'm in debt of about £11,000 on 3 credit cards. 1 is £2,300 2.nd is 4,300 3rd is 4,390 Silly thing to do, but i had no choice. they started charging me interest now, as it was 0% of over 14 months. I'm new to this stuff, so i want to get 3 separate cards to make a balance…
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How to stop getting credit?
Am trying to find a way of helping a vulnerable relative resist catalogues/credit debt, compulsive spending etc We’ve tried mentoring, control over bank account , taking away stressful responsibilities, all with their permission and relief that we have saved them from disaster, but they can’t resist the compulsion to…
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0% cards most likely to accept an £8k transfer?
Hi. I would like to transfer around £8k onto a 0%, no fee card. Is this realistic? I've read that the average transfer is £1200. Also, could you let me know roughly how long applications usually take? Thanks, Sharon
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Marbles credit card
I was approved for marbles credit card last Fri and given credit limit , but now been 7 days as of today 09.03.18 ,, and I am worried why it has not arrived or pin no has not even arrived ,, How long do you usually wait
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Death and debt
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Whats a typical credit card max allowance?
Just curious as to what is the max amount of credit card debt someone can get from all credit cards with no other short or long term debt. Is it roughly annual salary? I am earning £32K per year and want to know what sort of stooze pot I can get before the credit card companies start refusing credit.
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Credit limit increase - irresponsible lending
Hi New to the forum but wanted to see if anyone had heard of similar.... I've just had a call from 123-refund.co.uk informing me they can write off my credit card debt from any cards that have had their credit limit increased without my authority. Apparently in these instances a credit check would not have been carried out…
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Credit card refund
I've received a letter from Bank of Scotland advising me that they recently undertook a review of their internal collections process and that following an assessment of my financial circumstance they didn't always take the appropriate course of action when dealing with my account and have offered me a refund covering a six…
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Re Amex Aldi offer
Hi Guys, just added offer from Amex to my card, £10 for £5 back. Can anyone please tell me how I save it to my second, linked card, wife’s, same as shop small?:beer:
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Interest free credit
Hi there, I had a new kitchen fitted last year and intended to pay for it at the time using my AMEX card and then paying the full amount off before I was due any interest(avios points for a large sale). When I was just about to pay it I was offered a years interest free credit for 1 year which I took. That year is coming…
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Consolidate Credit Cards to a Loan
I owe £20,000 on 5 different 0% credit cards and I am finding it hard to keep paying £500 each month to cover the minimum payments. i was wondering if it would be better to have a personal loan even though I would be paying interest so that I can reduce my monthly payments?
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Credit Card Dispute
I have raised a dispute with my credit card, over goods, they have done a chargeback until its resolved. If this doesn't go in my favour, is the next stage to ask for a deadlock letter from my credit card to send to the ombudsmen?
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Would stoozing affect my mortgage application?
I am thinking of stoozing as a way to accelerate my savings. I find that I tend to aggressively pay off credit card debts as I am averse to oweing money. My startegy is to stooze and leave the savings untouched. Then pay off the credit cards with my salaried earnings. Actually, the goal is the get my downpayment together…
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Credit card help please!
I’d like to get a credit card to borrow around £1000 which I could pay off within a few months. but as I’ve never had one before I’m confused on a few things. The Sainsburys one says it’s 0% interest for 31 months. What does this mean exactly? If I spent £1000 using it does that mean I have 31 months to pay it off without…
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Current account switching service question
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Balance Transfer B*lls Up!!
Late last October, following Martin's advice he gave on a tv prog, I applied online for a well-known credit card to take advantage of their generous interest-free period. I transferred the balance from an existing card but, despite the sum showing up on my new card account, the sum owed on my old card showed no change. I…
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Halifax Clarity Card
I have taken Martin's advice and now use this card instead of my prepaid Credit Card when abroad which I am a lot. I have recently started to use it for taking out cash . I have Halifax set up as a payee on my bank app and pay the amount taken out immediately. However I find I am still being charged interest. Also instead…
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Get Nectar points on every small spend + 20,000 free
This is good news. I’ve never really bothered about collecting loyalty points until quite recently and I have stumbled across a way to get a decent amount of Nectar points quickly and daily moving forward. The best way to build them is to get an American Express Nectar credit card, it pays 1 point for every pound spent on…
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My First Credit Card
I have reached the grand old age of 59 without ever having, wanting or needing a credit card, but I'm going to Australia and New Zealand again soon and really need to get one. When I went last time I was shocked by the amount of bank charges I incurred, so I think a credit card is needed. I will set up a direct debit to…
