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Anyone done a balance transfer to a John Lewis Partnership card?
I did this online earlier this week, just had to enter the amount and the card number I wanted to pay off (which I double checked). When I look at my online transactions it shows up as "Balance transfer to <first five digits>" under description and then under Location/contact it has the last 10 digits of my credit card no.…
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Vanquis Credit Card - Dont Touch!
Hey everyone!! I received some junk mail today, and duly opened it like a fool... anyway, that aside it was for a new credit card from a company I have never heard of called VANQUIS CARD. Now, a word of warning to ANYONE who receives this junk mail, but then being Moneysavers I'm sure you wouldn't sign up to this card for…
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Egg money manager £15 bribe
Egg are offering £15 to customers who activate their money manager 9which lets you put all your accounts on the one site - theirs) before 1st September. Call me sceptical but why are they doing this? What's in it for them? They also promise to ot peek at your other accounts. Should I believe them?
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Vanquis Card
Just had a letter today asking if I wanted a new Credit Card with a Typical APR rate of 59.0%. What do you think I should do? :rotfl: Vanquis or Vanquished (my bank acoount that is)
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Vanquis credit card
I had an interesting item of mail today.....an offer of a new credit card. It was almost impossible to resist (not)! A massive credit limit of up to £2000 but more likely £150-250. The best part was the typical APR of 59.0% but variable from 44.6% to 69.5%!! I just wondered if that has to be one of the most ambitious…
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Reduced credit limit & applying for new card
My husband rang Alliance & Leicester yesterday to reduce his credit limit because he wants to apply for a new 0% card and BT from another card. How long does should he wait? Will a&L report the new limit back to the CRA straight away?
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Rebuild Credit Rating?
Can anyone please send me links to forums or articles that explain in depth how to restore/build up your credit rating after it has been destroyed?
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Credit Card to Savings Account Offsetting?
Hi, I used to have an Intelligent Finance Credit card and an IF savings account. I was able to offset my savings against the credit balance to achieve 0%. They've changed that arrangement now. Does anyone know of any other accounts that offer this facility please? cheers
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Sky Card
Hi, I recently applied for and was accepted for the new Sky card, got a credit limit of £3500 which i thought was ok but a bit low. I have a balance of around £6000 i actually wanted moved onto the 0% deal till next June so phoned customer services to do a balance transfer and when it came to the ammount i said can i do…
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Credit card for 74 year old
Note: also posted on Debt Free forum. Just been told by a very distressed mother (age 74) she has built up £5000 debt over 5 credit cards. I plan on helping her setting a budget & consolidating these debts onto 1 card at 0% (hopefully Virgin). Question is, has anybody had any experience of obtaining a credit card (0%) for…
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Transfer swapped problem
Ok, just got the new virgin card and transfered the balance from my egg card, but the amount i put down on the form to be transfered and the amount that was in my egg card when the transfer took place was less (i forgot and paid some off) so i am now over £100 in credit on my egg card, how do i transfer this to my normal…
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Missed Payment on your file :( The Consequences
After a balls up (on my part it has to be said, im afraid to say) with direct debits, I have missed a payment to my MBNA Sony card. Just wondering, in terms of applying for new cards in the grand scheme of things, how does this affect my chances. It can't be good I know! This is the first time I have ever missed a payment…
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How long to charge card?
On 8th (or thereabouts) August I made a purchase on my credit card - this purchase has not appeared yet (early days I know but this company is usually pretty quick) how long do they have to charge my card?- I don't want to get caught short. I'm sure they will charge my card - I'm just not that lucky I just wonder how long…
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Scandalous interest rates
Today received by post an invitation to open a new credit card. Vanquis Visa. Initial credit limit of £150. Annual fee £19. Initial interest rate of 69.5% APR. Can this be correct or am I missing something? In any event I am pretty sure this is the most ridiculous credit card interest rate in Britain if not the world! Only…
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Does reducing credit limit increase your credit rating?
I'm applying for a mortgage and found out through Experian that my credit rating is 'poor'. This despite never having missed or made a late payment and from paying off in full around £2-3k per month over the past few years. The other day, I added up my total credit limit on my cards and found it was around £22000. I have…
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Vanquis Card - OMG!
I've just received a mailshot from Vanquis card offering me one of their credit cards, and whilst it's aimed at those that are struggling to obtain credit, and I seriously hope no-one signs up for this downright greedy deal :mad: What the card offers: * Up to £2,000 credit * Typical APR of (wait for it...) 59.0% -…
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Citibank Platinum - will they extend 0% period?
Hi, My 6 month introductory 0% period on purchases on my Citibank Platinum will soon expire. Ideally, I would like to extend this by another 6 month, maybe even a year. What tactic should I use when I call them to try and get it extended or shoudl I just ask them straight out and accept either the YES or NO?
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OAPs ending up without any money
OAPs are ending up without any money according to the Reading Evening Post (23/8/2005) http://www.getreading.co.uk/story.asp?intid=12699 Basic Bank Accounts (which includes Post Office Card Accounts), do not offer the facility of being able to sign for your cash. All other types of card accounts offer this facility. Part…
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Egg credit cards conditions changing
Some of Egg credit card conditions are changing, some on 1 August and some on 1 September. Just in case people don't know. If this has already been posted, feel free to delete. http://new.egg.com/visitor/0,,3_78201--View_1622,00.html
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12 months 0%
Hello Does anyone know of a cc company who is doing the above at the moment. I am hoping to obtain one of these simply to put my car insurance premium on and pay off each month to aviod the 24.9% APR insurance companies charge if you take their monthly payment option!!!! Last year I used egg for my car insurance and they…
