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Virgin
When applying for the Virgin credit card, what do I need to do in order to benefit from the 0% credit transfer? Do I need to 'pretend' that I have a large outstanding balance with an existing credit card provider? What is the maximum amount I can transfer at 0%?
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Credit Rating Queries
Firstly, a friend of mine has been in debt over several years with his credit card companies. I told him that CR agencies only retain info for 6 years. However, as his debts are still unpaid, and he hasn't been issued with CCJ because they have not been able to get hold of him. Is this a requirement for the issue of a CCJ?…
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Problems getting Amazon Vouchers
I took out an Amazon CC a couple of months ago with the offer of 1500 free bonus points (£15). Despite using the card Amazon havn't come up with the redemption voucher for use on the site. Has anyone else had any problems with Amazon? They have responded to 2 emails and said they'll look into it but have not received…
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Credit Card/Charge Card
What is the difference? I ask because I was filling in a on-line poll which asked how many credit cards I had but said exclude charge cards like American Express. I was thinking of getting an American Express (I'm just waiting for my statements from 2 other cards I'm closing first) for spending due to Martin's…
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Bizarre security questions
I always find it interesting to see the different levels of security for credit card maintenance online and how they apply it. The most extensive has to be for Sainsbury's. In addition to the 11 digit userid which is sent through the post, you are assigned a 7 digit access code (again thru a separate letter). This is…
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stooze- reduce credit limit before close old a/c
i have just been turned down on appeal by nationwide and have to stick with their measly £2.8k credit limit. i have £8k with virgin and just about to pay off and close mint £4k my salary is £20k to improve my chances of replacing the virgin card in 2 months time - will my CRA file look better if i pay off my mint then…
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Citicard 1% cashback -- paid 2 months in arrears?
I have a Citi Platinum card. I could have sworn that in the past the cashback is paid with the statement, ie you spend £100 in May, get the statement 10th June, all payments for that month are totted up and divided by 100 = cashback "earned this month". Much as Egg does, for example. I decided to start using this card for…
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Is becoming an additional Card holder the answer?
I've been aware now for a while that one of the best ways of tackle the credit card debt that hubby and I have is for the debt to having it on low/zero interest bearing cards. However to get hubby to arrange for BTs on his cards is a nightmare and very often we end up arguing over me nagging him about this. Whilst I've…
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I have been a plonker
Ok so I have been stupid! This month is the 3rd month of my 9 months interest free with Virgin, I find out my wife is pregnant and have basically spent the month running around and not really focusing on things except looking after her. So I realise I have forgotten to setup the DD on the card and the payment. I go online…
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Sainsbury's - direct debit payments
Does anyone know how to set up a direct debit for minimum payment with the Sainsbury's credit card? It is possible to set up a direct debit online, but it does not seem to give you any option for what the amount would be. Does it assume that it will be the full amount? Other cards by contrast, enables you to set the…
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Mastercard Query
hi im on student mastercard with natwest and as i was short of funds, i paid for my hol on this card however the frist months bill was £819 fair enough as this was the cost of the hol i can mange a minmum payment of £50 a month easily but sometimes much more however the ineterest was £20 in the long run this will set me…
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Please help me with some maths
I've never been any good at maths so I can't work these equations out. :confused: Hoping a kind MSEer will do it for me. I want to do a bit of credit card shuffling and need to get some figures in my head. If I borrowed £2500 from a credit card (SBT) at an APR of 5.9%, how much would this cost me in a year? Also how much…
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show me the rewards!
morning all 'tis my first post on this board so be gentle with me :D i have been thinking that there is little point in me using my debit card, when i get no reward for it. i am looking for a card that will give me something tangible back. i am a student, and currently have the hsbc mastercard student CC, which i took out…
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Cards for purchasing only - Sainsburys & Conran Card thoughts?
Looking at getting first credit card just for purchasing and cashback, aiming to pay balance off in full every month, or as close as possible! Having read the articles on credit cards & best ones for purchasing it seems that the Sainsbury's & Conran cards seem to be the two best ones - are there many people that have…
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Creditcard companys that send you cheques..
I find it a pain in the !!!!!! when i get my abbey statment on the back of it is 4 cheques to use. What if my letter is stolen.. I find this a pain in the !!!!!!
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Anyone who has a Co-op Travel Credit Card please help
Did you get a cardholder reward leaflet with your statement a month ago for 8 x DVD's @ £1 ea? I've just been billed over £60 for them!! Surprise, surprise, the number I need to phone is now on answer machine!
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Question on Online Vergin Application
Do you get Confirmation of Application, on the Screen or via email when you apply Online for Virgin CC. I did not get it, I had used Back during the Process, so not sure if it has been completed successfully or not.
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Who still does fee free 0% balance transfers?
Hi guys, Been surfing the web trying to find my next 0% deal. I'm struggling to find one that still doesn't charge a %age for doing a balance transfer. Does anyone know who still does balance transfers free of charge? I'm ideally after 9 months 0% but 6 would do. TIA
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My first Stooze!
After using credit card 0% offers for 18 months to pay for having laser eye surgery, I've just done my first stooze from my egg green card that I've has for years. It's nice to see the money in my ING account earning me a few quid interest. Now, I'm off to do some more reading before getting another card or two to stooze…
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Credit Cards - Statute of limitation
I booked and paid for my son's holiday by credit card 6 weeks ago and as yet payment is still to be debited to my credit card. I phoned them and they confirmed that they would automatically take the balance from my credit card as I paid the deposit by credit card. Does anyone know is there a statue of limitation on how…
