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MBNA - 2nd account - anyone successfully applied?
Has anyone been succesful in being accepted for a 2nd MBNA run credit card, whilst still having a card with them already?
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Argos Frustration
Hi, We are trying to carry out a balance transfer from our Argos store card to the Capital One card. Is there some hidden agenda with Argos because after about 6 attempts we have been informed that for some reason Argos are blocking this from happening. Yes we can pay it off with the Capital One card but we lose the…
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got declined on mint and mbna
Hi there. I just got declined by mint and mbna without them checking my cra reports. how come? I have had no defaults in the past. With mint, as soon as pressed enter to submit my application, they declined me. will anyone please let me know why if you know. thanks
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Minimum payment to avoid interest
Hi, I am new to 0% credit cards, so, please forgive me if this is a daft question. I have just got my first statement for my Abbey card, the T&Cs state that the minimum payment is 2.25% or £5.00 whichever is the greater, however, my statement is asking for £5.00 on a balance of £517.13 (which I would have thought would…
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Confused by Capital One charges
I have been looking at getting the Capital One Platinum Mastercard (0% until 1/1/07). https://www.capitalone.co.uk/web/raid/templates/formdual_temp_10_001.jsp?page_id=10400&context_id=2&step=1&product_id=8757005 I clicked on the link to the full credit card agreement and read about the 2% BT fee - which I knew about. BUT -…
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Balance Transfer Fees - Help needed
Hi folks, Ok this is the situation - ive run my credit card up stupidly (£6K) and now am going to work on clearing my debt over the next 2 to 3 years. Ive looked into the best ways to clear it and i think that a low lifetime interest balance transfer rate would be best. the lowest one is by american express platinum card…
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Amex Platinum 0%, anyone?
Hi all, While checking my hotmail, I came across an Amex banner which redirected me to a page to apply for the Amex Platinum at 0% for 6 mths BT & purchases. However when I click the apply button it redirects to another page which shows 4.9% BT. If anone is interested in applying ... the link is:…
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Debenhams 6 Months 0%
I got my Debenhams Mastercard at the weekend to replace my store card. It said that I could get 0% on Balance Transfers made when I call to activate the card. It did not mention any BT fee but then it did not include a summary box either! Does anybody know if there is a BT fee with this offer (or has anybody tried yet)? I…
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Help!!! How To Appeal Cc Decline
HELP!!! HOW TO APPEAL CC DECLINE I recently applied for a cc with American express, which was declined but was given an opportunity to appeal. I must confess that my credit accounts are all fairly new, all roughly about One year old and all payment are up to date. My dilemma 1. Has anybody ever applied and got accepted 2.…
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What one thing would you tell the nation?
I was asked this on the radio on Friday and my immediate response was "about life of balance cards". They let you shift debts from other cards at a special low rate. Most importantly they're not short term deals, the cheap rate lasts until all the debt you've moved is repaid. For most people this is much easier than…
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Barclaycard Online Credit Limit System
Hi guys, Am due for a credit limit increase soon, just want to know if any BC uses have asked for a limit increase using the MY ACCOUNT from the BC website, and how successful where you? :beer: Also as you have to email them asking for the amount you want, what happened if they cant give it to you? :confused: Do they email…
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Capital One Platinum card query (applying)
I cancelled my Capital One platinum card about 3 weeks ago and was told that as soon as the letter confirming the closure of my account arrived, I would be able to reapply for it again. But I'm not so sure of this since the general advice is to reapply 6 months after closing an account. Any thoughts? When I cancelled I…
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How long for Halifax to issue card?
Hi I have applied to Halifax for a CC to get the 12 month 0%, and the paperwork arrived last week to sign. I posted it today - how long is it likely to take for the card to arrive? thanks TT
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Credit File Query
I have recently subscribed to CreditExpert, which gives me 24 hr access to my credit file.. Here is the query: 1: I understand that both Experian and Equifax hold different information?, therefore should i subscribe to both? How can they hold different information/ thought everything had to be factual? does this mean that…
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Alliance & Leicester 1.9% per annum
Hi All, I have a £1100.00 debt on a special low rate interest balance t/fer of 0.716% (monthly) with tesco plat card. I have just received from A&L a low int rate for bal t/fers of 1.9% per annum, is this good and is it worth changing? I have just paid £400.00 off the bill (it was £1582.00) and I aim to finish it within 3…
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Getting cash out of my Barclaycard? Need advice ASAP.
OK, I need to either write a cheque against my Barclaycard, or transfer money from my BC into my current a/c so I can write a cheque against that account. Is this possible? How do I do it? If not possible - how do I get funds to a private person? Will I have to make several cash withdrawals and load them into my a/c?…
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Looking for 0% interest card for travelling
Going travelling end of the month for a year and looking for a credit card just to have with me just in case i run short of money etc... but i need one which provides me with 0% interest for between 1 to 2 years so i dont pay stupidly high costs any good deals out atm?
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Unauthorised debit ?
Do you think I should receive compensation for this? I booked a holiday and paid a deposit of 240.00 by credit card. Now, the company said this transaction could not be made due to a fault with my card so I gave them my debit card and they took 240.00. I have checked my statements this morning and found that the first…
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Egg Money Manager and fraud
Am I right in thinking that a tool like EMM could help prevent fraud? I saw a scary programme the other night about hackers and how they can install spyware keystoke loggers onto your pc. As most of my passwords are keyed in automatically from an encrypted file on my machine with EMM, isn't that a preventative measure?
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Barclaycard free travel insurance and holiday booking service
Hi guys, Recently, I wanted to cancel my BC (after 0% offer had ended), but was persuaded to stay after being told I would get free travel insurance and they would knock 5% off the price of my holiday. I said to the girl that I always shopped for the best deals on my holiday and that I would get the lowest possible quote…
