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bank criteria for bank account/credit card ..
i thought might be a topic of interest. a few years back my friend i believe worked for The Cooperative bank and she said they only opened accounts for people who were a bit of a liaibility (therefore could make money on them). dont know if it is still the case. wonder what the other banks are like maybe others here have…
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Interest Free Purchases?
I am pretty new to credit card scene and have recently signed up for the Halifax one card, offering 0% interest on all purchaes in the initial year.... What I'm looking for is clarification that the offer is exactly how it reads - that there will be no balance to pay on All purchaes within this time frame? Any help is…
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The future of BT - will 0% be a thing of the past?
I have just been looking for a new O% BT card as I thought the 0% on my Virgin CC was coming to an end (but it isn't until Jan 12th). Anyway, I've noticed nearly every CC company is introducing the 2% BT fee. There are still one or two recommended on this site e.g. Lloyds TSB and Barclaycard. But do I wait til Dec to apply…
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Intelligent Finance Unflexible DD Payments
IF will only accept minimum payment or full balance as direct debit. Ideal for stoozers but not for rate tarts like me trying get debt down. :mad: Fortunately they will accept standing orders. :T Does anyone know if they accept debit cards?
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Cancelled Cards = Loss of Credit Score??
I hold a Barclaycard and recentley called them to close my account. I was informed by the operative on the other end of the telephone that as an excellent customer of 5 years, I would loose all the great credit I had built up. He suggested that I lower my credit limit to a nomial amountand keep the card just to keep my…
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Credit transfer between spouses
Hello, my name's Ben. I've been reading the boards for a short while - fantastic stuff! Situation is, I applied for a balance transfer to Mint for £7.5k from Virgin, whose 0% is shortly expiring (just recieved statement saying next month interest is £97!). Mint gave me a £2800 limit, saying that amount of available credit…
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Egg with positive balance confusion
My stoozing has been reasonably successful since I began at the beginning of this year. However, I have a question about my Egg card. I used it until the interest free period ran out, so it now has a nil balance. I will use it again in Feb, for the anniversary offer. I have just been accepted for a Nat West card, and I…
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credit cards and wire transfer?
Hi there, I am currently in the process of starting a small business importing goods from korea, my firsrt order will be aprrox £8000. I want use the halifax one card for the capital but don't know if i can wire the money over directly from the account. The wire is a t/t wire has anyone got any experience with these, is it…
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Help needed regarding refund on credit card
To cut a long story short - in the summer we were scammed by 'Ameri-Suites Vacation Club' to the tune of £720. Following a very drawn out process we were sucessful in getting them to refund the FULL payment back to our card. However they would not agree to paying the interest that we incurred as a result of their scam.…
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Apply now or wait - what would you do?
Hiya, I've been watching with disappointment the decline of the true fee-free BT cards and have a question. My current 0% deal with Sainsbury's ends on 4th Janury 2006, and I still have £1500 left so I'm looking to BT this to another card, preferably on a 0% deal so I can pay it off before the 0% runs out. However, only…
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Egg Green Interest/BT query
Our 3.9% BT offer was at an end so we cleared our Egg Green account but unfortunately it was a little too close to the usual d/d date which meant Egg took the usual d/d payment anyway, which put our account in credit by the d/d amount. Not a problem really as we're about to transfer a sizeable amount back to Egg for the…
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barclaycard 10mts 0% application
hi all, just wondering whether anyone knows 1) if there is an option/field to BT during application. 2) does anyone know how long it takes to process the application + to BT from another card? 3) any guess on credit limit? I still haven't decided whether to go barclaycard or ulster gold help is appreciated....
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Way around barclaycards 2% fee?
Hi i am an existing customer of barclaycard, and been offered 6,9% for life of balance or 3months 0%, but for the 0% offer there is a BT 2% fee, does anyone know how to work around it, is it possible and how can existing customers get better offers than 3! months 0%? If i closed the account and reaplied for the platinum CC…
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Calculating APR from monthly interest rate
How do you calculate the APR from the monthly interest rate shown on the credit card statements? For example, one of my statement says: "Purchase Interest 1.167% per month (14.9% APR)". Another simply has the Monthly Interest Rate. If someone could provide me with the equation to do this, I would be extremely grateful.…
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Credit file entry - advice please
Hi all: I need some help. I have a generally good credit record although have been doing quite a bit of stoozing over the last 18 months. I have been turned down for a couple of cards recently (Amazon and Virgin). I'm quite happy to accept that this is because I have been overdoing the stoozing, but an additional factor…
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Would a credit card help here (short term)?
OK, I'm 18 and I don't really know anything about credit cards AT ALL. I just got a job, but because of the way I get paid I'll get paid about £150 this month, even though I've worked for about £700 worth of wages. Because I'm only contracted to 8hours but work a full time 37.5 hr week and the overtime is only paid till…
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Rbs Info :)
Just a little info in RBS, if anyones ineterested? Quite a good read if you were ever wondering about them :) "Royal Bank of Scotland Bank The Royal Bank of Scotland, initially as much an institution (like the Bank of England) as a commercial bank, has historically had the honour of designing Scottish banknotes- although…
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BARCLAYCARD - How Much Interest?
I am trying to figure the costs out of doing the following (ie. How much interest I would pay?) Balance Transfer 6.9% £5000 Minimum Payment 2% Month 1 and 2 - Pay Min Month 3 - Pay £1500 (expecting lump sum) Month 4 and 5 - Pay Min Month 6 - Pay £1500 (expecting lump sum) Month 7 - Pay Balance off
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2% BT fee - these companies are quids in!
I have an Abbey credit card.I recieved an offer from Abbey the other day for 0% on transfers and purchases until my January 2006 statement - with a 2% fee for BT. I do have another card where the promo rate is coming to an end, so I did initially think about doing a BT but decided to use my abbey card as my main card for…
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GE Capital Account Cover
I have a Burton account card provided by GE Capital. The other evening someone phoned telling me about a "protection" scheme called Account Cover available on my card. Having received the policy document, I have now realised that I am now committed to this unless I write to them to cancel! The cover costs 1.5p for every £1…
