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How long to wait after settling card?
I am about to settle my Egg card but will leave it open to make use of the anniversary offer and SBT facilities. I plan to apply for the Lloyds TSB 12 month 0% but am wondering how long to leave it before it will show on my credit record. I have a few other 0% deals also at the moment so don't want to push things too hard
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The best student credit card?
Hi, Ive been reading this site and you people have lots of good ideas and brain power so I was hoping that someone could help me. Im a student at college doing a BND and im looking for a good credit card that would work best for me. Because im not at uni I dont get a look in at most of the banks deals for students which…
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Help-SBT query!
I've been trawling around the site for ages trying to find out if First Direct do SBTs. Their T&Cs say "balance transfer is a transfer of funds from your account with us directly to another specified account held by you with another card company". There's no mention of "paying off" overdrafts or interest free credit card…
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AMEX DROPPING CASHBACK RATES
Just been tipped off Amex is dropping cashback rates on Blue and Platinum cards. No need to worry as it isn't happening just yet (Oct), I've had a scan on the new rates and they're not disasterous, still topping the table for most things. I will update my article in the next few days (when i've finished balance transfers)…
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pay using credit card or get a loan?
My car (which I need to do my job) has just blown up with repairs costing £4000. I have a First Direct classic Visa card which I could use to pay for the repairs or am I better off getting a loan. Time is of the essence as without my car I cannot work? What do you think?
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I've had enough
I had a very bad weekend (it involved a car salesman trying to make us over commit - we walked away) and I came home with a headache and in an extremly bad mood. After 3 hours of my blood boiling I decided enough was enough. I was sick of being in debt and paying out £100+ a month in repayments to my credit card ....so I…
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Amex cashback axe shocker
Ive been sent a Notice Of Variation from American Express - From October it's now 0.5% cashback on purchases up to £2000, and 1% on purchases over the £2001. Have Amex gone bonkers? :( Or have I been singled out for this??
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MBNA declined?!?
hope someone can give me some good advice have got two credit cards at mo egg and ltsbgold applied to virgin credit cards for a new one to transf balance accross to 0% - but was declined. after reading on here tht mbna usually say yes to most ppl i was really shocked. I have never missed a payment ( except the last ltsb…
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Credit Card Security Hint
Note for the Great Shredder Hunt click here QUICK HINT FOR BAR GOERS, EATERS AND CLUBBERS: Nope, sorry, not cheap booze, just a security note. Pay by credit card & annoyingly many pubs/clubs receipts print the full credit card number. It’s ridiculous frankly. Leaving these receipts hanging around makes fraud easier. Always…
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HOW TO BUILD UP CASH LUMP SUM WITH NO PENALTIES?
Can anyone help me out here as I am confused.How can you build up money you want to transer to a bank account without paying penalities? I understand you can balance transfer from existing loans etc that give you 0% fixed period but with most cards this does not apply to cash advances and purchases? How are you supposed to…
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Card Protection Policy renewal – are they worth it
I’m starting to think if this policy is worth it. I have never ever used it and it has been increasing each and every year currently £16 per year with Barclaycard, covers the whole family though. Does anyone know of any cheaper policy’s out there? Are they really worth it? The T&C’s probably wouldn’t cover any normal event…
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ALLIANCE AND LECEISTER USELESS
I have been trying since 7 Jul to get A&L credit card to recredit my account for a foreign currency transactions that did not belong to me! They allowed someone to debit my card twice and then recredit it. This resulted in 2 debits due to the currency fluctuation. I have made numerous calls to them and each time I get a…
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Credit Ratings
Hi I've used a few 0% credit card deals over the past year. Some I've paid off so although the card is still valid there is no balance. Presently I have two 0% deals Halifax and Mint which will run out in Nov. However, I have tried to acquire some other 0%s in order to move these balances but seem to now be unsucessful. I…
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Citi PLATINUM Visa
Quick question for all you experts out there ;D I applied for a Citi platinum Visa a week ago via the Citi Bank Website. I today received my 'agreement' to sign. On checking the terms and conditions I noticed to my horror that automatically, upon receiving your signed credit agreement, they charge to your card 'Payment…
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Hellp!!!!!!
I'm not sure what I've got myself into here and perhaps you more experienced SBTer's can help me. Not having any card debt, I decided to do a SBT with EGG @ 0% for 9 months, they opened an online account and I was able to transfer the credit limit (£4000) into my online savings a/c via my online bank a/c. And they only…
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Partnership Card
Just wondering whether anyone has applied for John Lewis Partnership Card. I have just applied for an upgrade from my Waitrose Storecard to Partnership Card and have still not heard from them. I have no balance on my store credit (Limit £1250) and am wondering what my Partnership Card limit might be? Thanks.
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Barclaycard - GRIPE
Been with Barclaycard for 2 years now, and they are driving me bananas. Just for reference, I am 21 years old, Young Business Owner on PAYE income of 25k: I hold 3 Credit Cards Mint: 1.5K Credit Limit, 1k Balance on the 0% OFFER. MBNA: 2.5K Credit Limit, 10.9% flat rate card, no balance. Now comes to my gripe, Barclaycard…
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Urgent: Credit/Debit Card Purchase Insurance
:-/ I must begin by sayin what a fantastic resource this is! I'm glad i've finally made the effort to register. Right the question is regarding some credit card and debit cards which offer *free* purchase protection on "most" goods bought on them over £50. How the heck can they afford to do this when for example Dixons…
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2nd Barclaycard
I currently have a Barclaycard Visa with quite a high (unused) limit. I requested (via my account) an accompanying Barclaycard Mastercard, as I thought it would be useful to have a Mastercard as well as a Visa. BC wrote to me offering the MC, but it would not be with a separate credit limit. Instead, I would need to…
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Credit card balance transfer can you help?
A couple of months ago I opened a 0% interest account with MBNA and transferred the balance of my other card. I use my other card for purchases as this is a cheaper rate. My question is, can I now transfer the latest balance of my other card and not pay interest or would the offer only have been for the original balance…
