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HBOS 2% BT Fee Now! maybe
Yes folks, got letter yesterday revised conditions " we may charge 2% BT fee" & they go on to mention they will bounce back monies from where it came if it puts the HBOS card in large credit. (mines HFX One) Guess all cards are going this way ( anti/stooz/tart/ETC) same letter to a holder of cancer research card also…
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Transferring to existing credit card?
I currently have an Egg card coming to the end of it's 0% term. I have forgotten to apply for a new card in time!! I have a Tesco card with £0 balance currently. Will i be charged for transferring balance from Egg to Tesco and will i get 56 days interest free at Tesco whilst i apply for a new card? Thanks
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Credit Issues - need desp. help
Hi all , it my first post. Maybe someone can help me with my "credit problem". I moved into my house in July and transferred all my accounts with me to my address (4 bank accounts, 2 cedit card accounts). I applied over the phone for a bank account with IF. They denied me flat saying my credit rating wasnt good enough. I…
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Capital One
I applied for the 18 month 0% deal,and got the 14 day decision thing. The credit agreement arrived this morning,guess what? unfortunately,i did not qualify for the deal i wanted,BUT i can have a 6 month 0% deal. So,as they have already done the credit check,should i take advantage of the offer?
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Overdraft to Credit Card
My son has an overdraft of approx £3000 on his Bank current account and would like to transfer this to a interest free credit card. He contacted Capital 1 who said he couldn't transfer from current a/c to credit card. But I did do this a couple of years ago with Egg (I think). does anyone know if you can still do this and…
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Balance transfering who owns who?
This has probably been asked before - but somebody take pity on me. I have six weeks until my tescos 0% deal ends and I was hoping to switch to another 0% deal. I have been tarting around for sometime now and love the feeling that I am paying of my £4000 debt without paying interest. As I have been through a few cards in…
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0% on Purchases Query!!
Can you pay off an existing loan with a credit card that offers 0% on purchases (i.e does it class as a purchase?) & transfer to a low rate BT for life of balance. Has any body else done this? Thanks Parkie
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Balance Transfers When Unemployed
Hiya,can anyone tell me if there are any cards that you can transfer balances to that don't ask for employment details? I'm currently "Inbetween jobs" and paying interest on my current cards.Am I better off waiting untill I'm "employed" or "self employed".I don't want to pay unnecessary interest but on th eothe rand i…
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Charged late fee after DD failed
I recently took out another credit card to take advantage of an interest free period. When I received the card I set up a direct debit, on the credit cards website, to pay the minimum amount each month. I have just received my second statement and I have been charged £25 late fee for non-payment. I then checked my bank…
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Sainsburys credit card advise
Hi, I am in need of some advise. I have had a Sainsburys standard credit card for over 2years and in that 2years I have always paid off my balance in full and dont have any interest. After reading the article on the home page it explained if balance is always paid in full then search for a credit card that offers benefits.…
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Mbna
Why have I been charged 2% to do a balance transfer with MBNA when it was not supposed to start until 1.5.05. as per the last e-mail from Martin ?
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0% Interest on purchases
0% interest on new purchases, can you use this to pay off an existing loan? (i.e does this class as a purchase)
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Do any credit cards offer 0% on purchases AND balance transfers?
My daughter wants to transfer her Egg balance to another card (yes, I've written about this before!) and is wondering if there are any out there which offer 0% on both purchases and balance transfers? She wants to avoid the fairly high interest on Egg but still needs to make occasional purchases for her car. Any help would…
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Any incentives for getting an Egg CC?
All, i'm thinking about applying for an Egg CC and using it to start my stoozing escapades, are there any incentives going around ATM which can make the process even sweeter? e.g. £20 free credit, wine, anything else? I am also going to open an ING Direct account to stooze into - I see that the likes of Egg savings/First…
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SBT question
Hi all- i seem to have stumbled upon a good car deal and my financial advisor (ok, my Dad) has suggested that rather than take out a loan at 5.9-6+ % i can buy it on a credit card. Is this a really dumb idea? In practice, i know that if i pay with the card i will be charged 3% so it seems that perhaps a SBT to my current…
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Date of application
When does a CC account open? Is it when you make contact with the CC company and apply,or when you sign and return the credit agreement? My Egg anniversary is in January,but i have just rung Virgin today,to apply for the 9 month 0% card. If it counts as being opened today,i will be a couple of days short. Does the above…
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Virgin Balance transfer
My husband has just received his new CC from Virgin but they sent a letter asking him to give more information before they can process the balance transfer he asked for during the online application. Does anyone have any idea what they might want. It's simple to call them but I want to be forearmed just in case.
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Closing down credit card accounts...
I currently have 5 credit card accounts which I would like to close: 2 Bank of Scotland 2 MBNA 1 Mint Is it advisable to close all these at the same time or should I stagger the closing down times? Thanks all.
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Visa Or Mastercard?
basially i decided to pay fo my holiday on my credit card it is a student credit card barclaycard has offered 600 limit but consdiering the balanace is 800 i might as well pay by mastercard as there limit is 1200 now where do i get the insurance from? im sure some cc'd provide do it for free??
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RBS - Shell Visa Card Warning
Just a warning to anyone with a RBS Shell Visa card. I took mine out last year and transferred a sizeable balance to it under the terms of their 4.9% for life deal. This month I noticed I have been charged full interest on the outstanding balance. A phone call to them (approx 5 mins navigating through their automated…
