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Credit Limit - Affect Credit Rating?
Hi There I was just wondering whether requesting a new credit limit affects your overall credit rating? For example, I recently went online to my Egg banking and upped the limit on my Egg card (using the maintenance section), but I wanted to know whether requesting new limits online in this way will affect my credit rating…
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can you beat it?
Just received an invitation to take out a Vanquis visa card. When I first read it thought it was a joke but it seems real. Issued by the Vanquis Bank Ltd with a Bradford address it offers the staggering 32.9% to 59.9% interest rates with a £250 credit limit. All for a £19 a year annual fee. And if you pay up on time and…
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Valuable Life Cover
I'm just applying for a Virgin credit card, and have come to the section of the application which asks about "valuable life cover". Now I'm hesitating just a little. The payment of 72p per £100 isn't that much, I realise, but is it really necessary - i.e. is it just a way for them to get a bit of money back? All help…
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Using Egg as a "Muling" Card
could someone please just shed some light on this.....its probably already been entered somewhere but i couldn't find it. so i apologise in advance. i've had an egg card for ages now, and currently used my anniversary offer to trf to my current account fee free. i have just been offered a halifax one card with 9 months bal…
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Just moved house, CC turned down
Hi, been moved in a week and (stupidly) applied for a new cc and got turned down. Should be on the electroal role on 1st July, but not yet. They (tesco) have told me that if l can give extra info within 21 days they may reconsider. I can tell them about the electroal role and house move, and send them copies of the…
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Mint cards, I've received an offer 'til April 06
Mint sent me a 0% BT offer through the post the other day and I have a question about it... The cover letter says that there is a 2% fee for BT's, ans does the little booklet summarising the terms and c's - However... The application fors, and attached Ts&Cs doesn't mention a 2% fee and explicitly says about the BT's box…
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Lightening my CC burden, a little advice please
All, apologies if this has been covered lots of times. But as succinctly as I can put... I owe over £6500 on my MBNA cc. I've recently got it under its £7000 limit after a period of financial difficulty which included a spell out of work (about 2 years ago for about 6 months). I'm now in my 3rd month of a new permanent…
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10% Discount For One Day At M&S
THIS IS NOT ADVERTISED BY M&S. Organise a group of friends for one big shopping trip to a M&S store, eg large items of furniture (some stores sell £1000+ furniture ), gifts for special occasions, clothing outfits for all the family, wine. Apply for a M&S credit card in that store. Afterwards they will give you a temporary…
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First Direct no longer 0%
I see that First Direct are no longer offering 0% on their credit cards for balance transfers, but are now offering 4.9% to new customers.
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Virgin Positive Balance Advice
Here's my problem.... Have 16K stoozed from Virgin and my 0% period will be up in a couple of weeks. Due to Capital One messing me around (Applied for card over 6 weeks ago!!) and after repeated calls to Customer Services, Cap One have informed me that they will be giving me a 18mnth card and 'at least' the 16K I need to…
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Credit Card Loss Protection
Just a quick question, can anyone recomend a card protection scheme, one that covers loss of cards and keys etc. Many thanks, Tony.
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M&S Total Charge For Credit???
Hi All, My wife has just recieved the credit agreement to sign for 9 months 0% BT & Purchases. Reading it there is a line under 'Other financial Information' that the total charge for credit £123.72 Anybody have any ideas what this is? Surely they will not charge this amount purely for the pleasure of using the card? Dave
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How to use a Mule?
Hi all. Been lurking for ages and have been tarting since November 2004. great site! Anyway, relative newbie alert, sorry if the answer is elsewhere. I am ready to do a BT from my new M&S card via Egg Card into my bank account. My question is, what steps in what order? I have only used the Egg as a mule whilst in my…
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Amex to charge 2% (£40max) on BTs from August
Apologies if posted before, but just got variations of T&Cs letter, effective 01/08/05. Section 7 (8) We may charge a handling fee in relation to BTs. Any such handling fee will be 2% of the BT or £40 whichever is the lesser. Open to negotiation ?, :rolleyes:
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Question about awkward BTs
OK so I'm coming to an end of a 9 month MBNA 0%BT offer. (One for which they also gave me a free DVD player - sweet!) Now I'm wanting to apply for another card and switch - MBNA don't allow BT's from other MBNA cards, and I understand that the Virgin card is managed by MBNA... My point... My question is, would it be worth…
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Travelling Usa Which Credit Card??
In the summer i am going travelling around america for 6 weeks and need to take a credit card for purchases only...such as hostel payments and trips. I am hoping somebody could recommend the best value card i could take...??
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applying for SBT accounts-Abbey & Egg
I've been reading up the articles on Super balance transfers and we are considering applying for Abbey and Egg cc's. Partner has had nice clean account with Abbey for 20 + years... would this be a positive influence on cc application? thanks! - blue-kat
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Transfering a loan
Does anyone know if there are any credit cards with a low life of balance interest rate that will allow me to transfer an outstanding loan onto the card? I know these cards allow the transfer of existing credit card balances but I really want to shift a loan I have.
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Is This A Refusal ?
please excuse for any mistakes this is my first post have just tried to apply online for a virgin credit card to take advantage of 9 months 0% for balance transfer i would say i had a pretty good credit score but at the end when i pressed submit it came up " the application you requested is currently unavailable " and to…
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Egg payment question..
Just got my Egg card and about to do a balance transfer, BUT.. when i signed up for it asked for bank details for direct debit, what is the standard DD monthly payment? is it the full amount or 2% ?
