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Do Virgin charge a BT fee?
Hi all, I know there has been lots of discussion about this topic. But I just want to confirm, before I apply for a Virgin card. Thanks.
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Late payments & experian
Hi all, Experian reports detail if you were late with a CC payment by 1 month, 2 months and 3 months. Does anybody know if you were to miss a payment by a week whether this gets noted, or does it actually have to be over a month late? Yes, you guessed it I was late. Thought the wife had paid it, she thought I had. Managed…
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real mieaning of 0% on purchase
This question may be stupid for you but I rather ask smthg stupid than doing smthg stupid : Got a barclaycard, saying 0% on BT and Purchase for 12 months : I do not understant the exact meaning of the statement (this is my first credit card, I went through the T&C but it did not answer my question) - so if I buy smthg with…
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0% cards and supermarket cashback
I am currently within the '0% on purchases' period on my Barclaycard (so any parchases don't accrue interest). My question is, if I were to pay for my supermarket shopping on the Barclaycard and request some cashback, will I be charged interest on the cash? Can you even get cashback with credit cards, or does that only…
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Card security
Once a card has expired/cancelled is their any harm in NOT destroying the card? Im thinking of seeing how many cards i can collect over the years
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BARCLAYCARD LOWER APR NOW
I just started stage 1 of the Credit Card Shuffle - my extortionate 18.9 purchase APR had to go. The loyalty manager at Barclaycard told me that they were reviewing all cards (probabably due to so many people taking advantage of 0% transfers etc.) and that new APR rates are being issued in January. But here is the thing -…
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SBT
MBNA say I can do a transfer to my current bank account with them to clear my overdraft. I do not have an overdraft, if I still do the transfer will it go through? I'm just thinking that if my bank says there is no overdraft then MBNA might cancel the transaction! Anyone any thoughts. Thanks.
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Should I opt for Sainsbury's Card Care? Need Help!
Hi everyone Am applying for my first credit card and it's with Sainsbury's. I know from MSE not to opt for the Credit Care Scheme but I don't know if I should opt for Card Care (Breakdown cover for your wallet) starting at £15 per year Would be very grateful for advice Many thanks ??? :)
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0% ends March do i wait or.....
Ive got about 3k on a Sainsburys CC, which comes to an end in March. Should I apply for another 0% card now, or wait until end of Feb when new deals may come out? thanks :)
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Stooze hit em hard hit em high, why not
About to stooze, Egg on its way (don't know limit yet), FD also on its way with £25,000 limit. Few questions here. I am confused what to do next. I appreciate and understand credit rating damage which I am totally happy for the forseeable future to dent, ie no mortgage wanted for a while. I am dissapplined enough to manage…
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MBNA affiliated cards.. Virgin/A&L etc..
Hi everybody.. Does anybody have all these cards at the same time?Since they are all administered by MBNA, MBNA may be reluctant to approve all these cards to the same person? I might be wrong but just being curios?
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SBT's via EGG..whats ur maximum?
Evening all Moneysavers...just a quick question: For those of u who use Egg repeatedly to channel money from other 0% BT cards,what's the largest single amount you have ever SBT'd from Egg?
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How to close my mortgage
Hello In January I will owe about £1900 on my Barclaycard (0%) and also between 3,500 - 4,500 on my mortgage. Anyone know of a good deal (o% ideally) so I can consolidate both. I pay approx between 5-6 percent on my one account mortgage. David
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Pot calls kettle black
The kettle in this case being the Moneynotsosupermarket website. Apparently moneynotsosupermarket claims to be an independent comparison website but all the cards mentioned in its best buy tables are issued by providers that pay a fee. It lists Citibank Platinum and Morgan Stanley Platinum as top intruductory offers of 0%…
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Paying Balance in Full
Hi this is my first post so if I do things wrong please forgive me. Also you may all know this but here goes.. I have a capital one card and always pay my balance in full each month. This month I had two refunds and therefore paid the balance less these amounts but apparently refunds do not count towards your balance and I…
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How can I save myself money?
My balance is quite high on my TSB Trustcard but not up to the limit. The interest is killing me-you know paying the minimum but interest etc works out more. What is the best way to save money? Do I transfer my balance to a new card where interest is lower? I will be in a position to pay 25% of balance by end of next month…
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Stoozing Beginner
Hello all, I have been reading up on 'stoozing' and have decided to give it a shot. I've had an egg card since the start but for the last 12 months have been using Amex blue due to the cashback being higher. I emailed egg asking about the anniversary offer and was told my anniversary month is January. I then immediately…
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Barclaycard and Privacy
Barclaycard are unbelievable! I applied on-line for an increase in my credit limit. Barclaycard emailed me with their negative decision, including the reason why! Email is not a secure medium, so they've just breached my privacy! In the same email, they have asked for details of my travel plans - a holiday is why I asked…
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Credit Limits and Credit Ratings
I just asked Barclaycard to drop my credit limit from 13k to 6k (I have about £400 on it now, but intend using the spare capacity for a super balance transfer when the £400 is paid). I also asked Mint to drop my limit from 6.9k to 2k. I did this because I suspect these high limits have stopped Cahoot and Northern Rock…
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Help and Advice needed
Hi All (it is credit card related) Dont know if you read my thread in the money saving arms. But I got robbed yesterday in france. I purchased about £300 of ciggys and booze in belguim on my credit card. I have all reciepts as proof of purchase and police report to confirm robbery from my car. Now the question is, can i…
