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Credit Cards Allowing Transactions After Closure
Dear all I'm new to the message board and have been prompted to write after something very disturbing happened at the weekend. I received a letter from Egg to say I owed them money for my credit card - this concerned me as I'd closed the account over 3 months ago. First thought .. identity fraud. It turns out an insurance…
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What happens if I dont pay credit debts
What happens? I am a student... and have $15000 debt... I am sorry.... But I cant pay right now because of my studies and what not. However I have like $4000 I can pay. WHat happens if I dont pay. The debt is in one card. WHat are the things the credit card companies can do? I dont have a car or a house. I have practically…
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Virgin - minimum repayment (£5 or 2.25%)
Took out a Credit Card with Virgin recently, and when I received the card I Bank Transferred the allowed 95% of £5,000 Credit Limit to a High Interest Account. Received my first statement this morning asking for the minimum repayment to be made of £5.00. I was expecting the minimum repayment to be the greater of £5 or…
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Problems with Egg application
I have just had a letter refusing my application for a Virgin CC. I presently have only one SBT...Abbey, with a 10K limit which was established in December. I have virtually no mortgage (£800) and no other debts, but several ongoing CC for household use which I pay off each month. Household income is £45K plus. I would…
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Another stoozing question, please!!
I have stoozed 15k, balance now on my on my egg card. In the post today i received a barclaycard platinum with a 3.5k credit limit. i phoned up to do a bt into my current account, but was told you can only bt other outstanding balances on cards. my question is, can any of you expert stoozers explain a way of utilising this…
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Payment Protection
I have a number of credit cards and have payment protection on all of them. After hearing :money: on Radio 2 last week, it made me wonder if I can go back to the card issuer and cancel these worthless policies? Does anyone know? What is the route one takes? Will they let you do this? Any help here to save me £100/mth would…
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direct debit?
Hi I usually pay the minimum on my cards (yes I know!) but having trouble doing that this month. Am going to go onto direct debit, then I can't forget to pay :rolleyes: but wondered how long it takes to set up? I'm trying to wangle it,so I don't have to pay this month and it starts next month? Any ideas?
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Balance Transfer Advice
Hello people I recently used the 'super balance transfer' option on my EGG card to use the cash a bridging loan until I sold my old car. I bought the new car for £3000 and so far it has been interest free. The interest free period expires on the 1st May, and so far the old car hasnt sold. What I want to know if wether I…
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EGG positive balance and BT on app form
Just filling out a capital one 18 month application. It alows you to request a BT on the form. I was going to BT a positive balance to EGG. My concern is when they do credit search, they may be able to see I owe nothing to EGG - is this correct?? In which case I'd better use another card to BT to...
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Egg and CD WOW
Does anyone know if you can use £1 off vouchers on https://www.cd-wow.com\eggcashback ? They give 10% cashback so I'm applying for an egg card for that reason only, but if I can't use £1 off ouchers it may not be worth my while. Does anyone know if you can?
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Should I get a CC?
I'm 30 years old and never needed/wanted a credit card before. Now I might need one, should I bother getting one? My situation: Need to buy webhosting for a large, busy site. My current hosts (UK based) are offering an upgrade deal that'll cost at least £200/month initially. This is on a shared server (if that means…
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Which cards approve online
Which cards do you know of that offer instant approval online, I know of Marbles and Egg and Accucard,
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Egg Balance Transfer Question
I did a balance transfer on the Egg web site a few days ago and unfortunatley got distracted part way through the process. I submitted the transfer request and a short while later came back and it was on the page that asks if you want payment protection etc. When I clicked No and submitted that page it said that the…
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car on credit card
Hi Guys, I need to buy a new car and have been looking at a couple of options and think I have come up with a pretty good way to do it without paying any interest on money borrowed. Basically I would like your opinion on the following plan. Hopefully its good, if it is not then maybe you can explain to me why it would be a…
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How to read a credit report???
Posted on behalf of a colleague (but am sure I will personally benefit from the responses, as will many others) This guy, on my suggestion, got his statutory credit reports from Experian, Equifax and Callcredit for £2 each. Following were his findings. Equifax: Electoral info - records name spelt incorrectly, and says "OPT…
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Capital One - No February Statement yet...
Has anyone else not had a statement from Capital One for February ? I have not had a paper one so checked online and there is no February statement there either. Statements are usually dated 28th of the month, checked my payment date and I have to pay by 23rd month luckily I still have time but I bet this is one of their…
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Somebody give me a quick credit score
For stoozing, what kind of credit limit should I expect to be offered? Age 44 Married, 3 kids (20/17/13) Household gross income ~£44K (mine ~£30K) + CB/CTC etc This employer 2 years, last employer 26 years (both as Engineering Manager) Current house 11 years, last one 12 years Same bank 25+ years Mastercard gold (with…
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Is stoozing really this easy?
I'm looking at starting my first stoozing activity. This afternoon I have had telephone conversations with Capital One, MBNA, & Virgin. Details of each providers' offer is given below: Capital One They only do 0% on purchases, and for 6 months only! They say that they have some (better) offers available in "The Times".…
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Virgin Application- Left Out Some Info
Applying for a Virgin card just now online I have just realised that I forgot to mention the MBNA card I already have (with £8400 limit, been unused for 15 months now) Is this likely to cause me any problems in my application? Is it best to call them to add that info?
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Citi Bank con
Well, I applied for a Citibank Platinum card. 0% for 9 months on balance transfers. It finally arrived and I phoned up to do the balance transfer and got told they don't do 0%. (despite what it says on the web site) What a waste of time, and an unnecessary search against my credit file. To make matters worse their online…
