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Credit Card Application 'Honesty Test'
::) I am doing the rounds at the moment shuffleing cards with 2 at the moment at 0% and noticed that some members have upto 10 cards on trhe go. My question is how honestly do you answer the question about how many cards you own? And, Does this affect whether the application is succesfull
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help required
Right I am new to this and I was hoping someone could help my mum save some money.... My sister (v irresponsible) started a student Barclaycard and ran up a debt of £400; my mum has now been paying it for a year and al she seems to be doing is just paying the interest and maybe £5 of the debt. I read an article on this…
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Goldfish.... so slow.....zzzz
Just a warning if you want to do a balance transfer to Goldfish..... 6 weeks ago I applied for one of their credit cards so I could move a balance with a closing 0% deal. I was sent notification I could have one on 16/7/04. As of today I have no card and more importantly no BT. They tell me they have absolutely no idea…
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Mint SBT - Getting a higher credit limit
I took out the Mint card and got a limit of £2800. I phoned a few months later and they increased it to £3300. I have phoned them recently and they refused to increase anymore because they can only increase once every six months they said. However they said that if you can produce evidence of savings etc and send your…
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Ethics
Sorry this is gonna sound like a bit of a moan, but if anyone has any suggestions as to what I should do they would be greatly appreciated! Way back in April this year I tried to pay off the outstanding balance on my credit card so that I could cancel the account (having found a much better 0% deal!). The girl that was…
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What happens if............
you apply for a card, agree a BT with them etc but do not sign the consent form when it arrives? I have applied for MBNA card (first time customer) and they have hit me with a £35 transfer fee, I questioned it but got nowhere. All I want to do now is do away with them. In fact I want to do away with credit card tarting -…
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whats the best thing to do?
Hey all, great site. I am having a few cash flow problems and need to put down a deposit on a property after family problems. In 2 months i will be back up to normal so a loan is not needed. So i was wondering if it getting a 0% card would help for now? If it would help, which one do you reccommend. I have a good credit…
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online casinos and credit card cashback?
just had a thought, whats to stop me depositing £1000 in my jackpotjoy account and then withdrawing it to my bank account straight away? this would earn me £10 cashback on my circle card.. ive already got a balance of £11.80 so i would be able to with draw the full £1000 i could then pay the £1000 credit off with the cash…
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Sainsburys 0% card
Hello, I've got a Sainsburys card that allows 0% on purchases,which is fine. Though I would rather use the 0% for balance transfers from other cards. But they charge a higher rate for balance transfers. Is there any way i can get around their purchases only rule and really what are the benefits of the purchases only cards?…
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Barclaycard & IF: More lost money
Just off the phone from Barclays, to say I'm livid understates it >:( 4-weeks ago (just before going on hols) I arranged a bal transfer from my new BCard to my IF card. As happened to Finish Rich, as described in his post, this money never arrived. I rang BCard on Sunday to query this and they said they'd look into it and…
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Advice please- tactics for the credit rating maze
My staus: Self employed, £30k+ pa but fluctuates e.g. £7k one month then nothing for 2 months. Partner also earns but unproveable. Together we rent privately, so no mortgage. Bank current account - will only allow me £500 o/draft. Switch Debit Card. Only debt Personal Loan with same bank, currently £11k settlement figure.…
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WARNING Barclaycard Balance Transfers to IF.com
Just received my first statement from Barclaycard, showing the balance transfer on 20 July. Unfortunatley the money hasn't been received by Intelligent Finance. Intelligent Finance are aware of this problem, it seems that Barclaycard use the first 4 numbers of the credit card to decide where the payment goes and sent the…
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Credit Cards which offer Air Miles
I have been collecting Qantas Frequent Flyer Points for the last 4 years through staying at Holiday Inn's and the like with work, but as a result of a recent expenses overhaul >:( by my new boss, i'm now in the position of not being able to collect points this way any more. Therefore, does anybody know any credit cards (or…
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Egg login
Is it just me, or does anyone else seem to have trouble getting onto the egg log in page? 9/10 times when I try to go there I get 'error' or 'essential maintainance work is being done' or it just doesn't connect or is v v slow. Then if i'm lucky enough to log on,it can be so slow. It ceased up on me last week. Its getting…
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Lloyds TSB - 12 months 0%
I just got an email from Motley Fool highlighting that the Lloyds TSB Advance card is now offering 0% on balance transfers until August 2005. http://www.lloydstsb.co.uk/credit_cards/advance.asp Hope this is of use to people, and they are slightly more generous than Barclays on the credit limit front ;)
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Halifax Credit card going down hill
Ive had a Halifax credit card for a few years now. Its always had 1% cashback - which I thought was the best deal on a visa card (I know american express is also 1%) Then towards the end of last year my cashback dropped to 0.5%, and now they've cut the cashback again to just 0.25%. If I had the chance i'd cut up the card…
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overdraft balance transfers - deferring debt?
(sorry Ive posted this in the loans and debt section but felt it might be more appropriate here) Hi I graduated a year ago and have an overdraft with abbey of £1600 which they are calling in completely on 1 September (they're playing on small print(which i should have noticed)and won't budge at all on this). I don't have…
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MBNA.. New application..more info required..
Hi All I applied for an MBNA Heart Foundation card while I was waiting for my flight in Manchester Airport. My holiday inadvertantly got extended and apparently they needed to get hold of me. I got home to a couple of letters a month or so apart saying that they needed more info to process my application. The second. later…
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Barclaycard late payment charge
I forget to pay the bill on my barclaycard last month on time (was 2 or 3 days late) and have been charged a £20 late payment. I usually pay off all of my account on time and in full every month. is there any way i can get out of paying the late charge? perhaps threatening to cancel the card? ::) i'm going to phone them to…
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Dont use your EGG Card - get free Money!
Hi all done a search but can't find this... sorry if its been posted. Over past 18 months I have had an egg card and not really used it at all. On two separate occasions I have received emails saying spend £50 by XXX and we will give you £10. I've checked my statements and I got a credit in March and have just had another…
