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in credit with credit cards
hi,if I'm in credit with a credit card company what happens when I close my account? I inadvertently paid £1000 instead of £100 a while back. I've also since closed the current account I paid it from (thank you £200 account switch :) ) - can I request the credit card company send me a cheque to close it or will they need…
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0% money transfer fees credit card
Hi Does anybody know if any credit cards that are offering 0% on money transfer fees? Steven
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Credit cards - there is hope
I've been in debt for years at >20%, always paying slightly over the minimum & throwing whatever I could at it here & there. I've not been able to get 0% BTs for years. Then a couple of weeks back one of my cards offered me a 0% balance transfer so I figured something must've changed. I went onto MSE eligibility checker &…
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Tips for how much credit limit to ask for in new credit card application?
The bank always decides how much credit they will grant you so why do some ask how much you would like? Why not just tell you what they are happy to offer. Some do. If you go low because you are afraid of asking for too much you get stuck. If you go high will that put the mokkers on the application because their algorithm…
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Extra cost to use an amex
Hi All, Recently got engaged and we are looking to book a wedding venue. However the one we have chosen has said that if we pay by Amex, which we wanted to do to rack up the airmiles/companion voucher, we will need to pay an extra 2.5%. Are they able to do this? Thanks in advance. J
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Change of Address & Credit Card App Help
I have just moved into a new properly and looking at getting a 0% credit card for purchasing white good etc. Can I apply right away or do I need to wait for change of address to be sort of live (have changed my address for with bank etc). Don't want to apply, be rejected and have this negatively impact my credit.
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Credit card 0% interest rate question
Hi all, I transferred over my balance to a Captial One credit card 2 months ago and have now received an email saying the 0 interest rate is ending in March. I have not used the card to make any purchases just the balance transfer. Question is will they start charging me interest on the existing balance or is that for new…
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Experians Conflict of Interests
Today I decided to apply for a British Airways Amex Card. The purpose of this was to shift my business spending and acrue points and also flight reward vouchers. The initial limit is £1200 and the application process online. I also had a referrel link to get a sign on bonus. I was declined! I received an email from Amex…
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Monthly "Minimum" payments plus overpayments
We have a 17-month 0% NatWest credit card (12 months left and still under the recommended 30%-40% utilisation) and a monthly DD making minimum payment. What do you folks do if you wanted to make just above the minimum payment, say an extra £10 or £20? The 3 options offered for amending the DD is "Full Statement", "Minimum…
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VM Balance Transfer Offers, order of repayment.
re posted due to recent lack of Interest. from Virgin Money -allocation of repayments. We will always pay off existing balances that appear on your statement, before any new transactions. Does this include Existing and New Balance Transfer Offers. I only have final 2 payments to make to clear in use Existing offer. I since…
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Can you apply for and run the Natwest credit card without the Natwest app?
My mum is thinking about getting a 2nd credit card after her current (and only) credit card would not work at the tills at Tesco both with contactless and chip and pin. Luckily her debit card did work. My mum is not confident with tech and got her first smartphone 18 months ago.Thinking about a 2nd credit card with Natwest…
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Close or keep open cards for credit score
Like many, I have a few credit cards in my portfolio with a zero balance on them after historic balance transfers to clear their debt. From a credit score point of view would it be more beneficial to close and cancel these unused cards down or leave them available to show that you have access to funds in an emergency…
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Interest payments due to travel insurance reimbursement delays
Hi, just wondering if anyone has any advice on interest payments on credit cards - incurred due to delays in travel insurance company reimbursing medical bill fees. Who is responsible for these interest payments - me? Or can I submit a new claim for these interest payments?
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High interest rates charged on credit card vs 0%
Hi everyone, I just had a call with my bank, very frustrating. I made a £1000 balance transfer onto my credit card in November, and then transferred out £2000 about 10 days later. (My bad, I got my dates mixed up. But still...) I just found out they applied that payment to a previous 0% interest rate balance on the card…
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Responsible lending by credit card to problem gambler? Your opinions please?
Hi all. Please can I have your opinions? I have had a certain credit card for about 6 years. Every payment has been made on time. It has a limit of over £10,000. I am also a problem gambler and had used the card to use at online casinos. Over the years I lost many £1000's to this. But I blocked myself from all UK…
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Credit Utilisation vs Total Available Credit
If the aim is to be able to get a 0% offer or card somewhere to reduce interest, which would have a bigger beneficial impact on working towards that goal? If I was to close a card I have fully paid off and therefore reduce my total available credit to a lower percentage of my income versus increasing my credit utilisation…
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Fraud Check - personal details required in public place
I was checking out at a supermarket where I shop regularly for an average spend when my credit card was blocked.SMS from card provider advised me to telephone NewDay to verify card details re a fraud alert. In a queue with a full trolley and many people and staff around me I had to give my name, address, postcode, date of…
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Repayment order
Could you lend me your brain please? Which is the most sensible/ effective way to pay off the following? Card 1: £1820 19.2% Card 2: £2981 0% for 22 months Card 3: £2270 0% for 25 months I can afford to pay the two 0% over exactly the 22/25months rather than just the minimum payment, I can also pay a little more than the…
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Credit card opened but not by me!
Hi, Sorry, might go on a bit. So I believe I'm pretty careful round all this stuff, even bordering on paranoid On 6th Feb I had a letter arrive from xxxbank that was giving me my new PIN for my new xxxbank credit card (this has never been seen). Not banking with xxxbank I rang them up suspecting something dodgy. After…
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Barclaycard Freedom Rewards card
Just had the email from Barclaycard, the "Freedom Rewards Card" and scheme is closing. (Already not available to new customers). You can either close your card or move to "Rewards Card".