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Morgan Stanley card
Morgan Stanley are driving me mad, stopping my card every week it seems. Anyway, the only reason I'm staying with them is because of the cashback offer. Not because 0.5% means anything to me, but because they owe me about £35 from it. My anniversary is not until June. Anyway, if I cancelled, would that mean I wouldnt get…
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Spanish Credit Card Scam
Nationwide Credit Card is supposed to give you spot rate and no commission charge.However an increasing number of outlets are charging 3% and converting to Sterling on your receipt.The receipt says you have been offered a range of currencies and accept this one.BUCKHAM.If you ask for it in Euros only thet cannot do it.I…
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Any catches with Halifax One Credit Card??
Hi All, DH has just applied and been accepted for a Halifax one Credit Card with 0% interest on purchases and balance transfers for 12 months. We are planning to buy a second hand car with this and pay the card off in about six months. As we are credit card newbies just wanted to check - are there any obvious…
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Credit Card Mail Shots: Vanquis
Like others here I've followed various threads over the years, amongst them the recent one about Vanquis, a credit card which services or exploits (depending on your viewpoint) those with poor credit histories. This isn't about the card itself -- which is why I've not added it to the Vanquis thread -- but about its…
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Total charge for credit ??????
I have just been accepted for a Capital one premier card with 6.94% p.a interest for the life of balance transfers made in the first 6 months. I need to transfer just over £3300 from my barclaycard. I went for this one after being turned down from a few other card with 0% for balance transfers. But when i received the…
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Help!
I have been happily transfering my CC balance from CC to CC for a while now, it was even at balance of £0 for a few months. Now I can't get accepted for any and I am paying £30 a month in interest :( Now we applied for a mortgage about 3 months ago, didn't take it up cause it was too expensive and it seems to have a really…
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Advice on Credit Report
Hi hope this is in the right place! Would appreciate any advice that you can give. Just got a copy of my credit report for the first time and I have a few questions about what is/isn't shown on it: 1)Should my mortgage show up on the report? 2) I had a natwest credit card about 3 years ago and missed several payments on it…
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Mbna
I applied for an MBNA credit card last night. Yet, until now, they have not checked my credit file with the Equifax or experian. When do they usually check? i thought this is done automatically by a computer.
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Trouble cancelling a credit card
I can't believe the trouble I've just had in cancelling my account with Barclaycard. After finishing my 0% introductory offer and transferring the outstanding balance to another card I requested that they cancel my card. Their very polite operator seemed very reluctant to do this as "your credit rating is excellent sir,…
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Looking for help
Ok people after burrying my head in the sand I'm ready to face my cc debt but I need some help. I'm 22 with a very small income - apx £7000 a year. Currently I have 2 cred cards - halifax 1 and egg, with a balance of abou£800 on halifax one (I know it doesn't sound a lot but it is to me) I have never had a problem gaining…
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Applying for Egg Money - Credit search
If you apply for an Egg money card when you are an existing green card holder, do they do a credit search?
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British Airways Amex now Charging a BT Fee
Hi all, I checked out the MSE advice regarding longer term balance transfers (stable relationships). The link to the BA Amex card was recommended. On navigating to the moneysupermarket.com page: British Airways American Express Details This site explicitly states that there are no balance transfer fees. I tried to make an…
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Universa Credit Card
Hello guys and gals :) Does anyone know anything about Universa Credit Card? which is apparently offered by RBS. Their website https://www.universa.co.uk goes straight to RBS website and there is nothing on there about the card. It is apparently a card for people with less than great credit. There only seems to be on epost…
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A lesson learned.
I am one of those people who always pays off their credit card every month and looks for interest free deals when needed. I had bought a couple of larger items that I had spread over 12 months on my Sainsbury credit card. During the last three months I realised I wasn't quite going to make paying the balance off, so after…
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Glorified LoanSharks!
I had this junk mail in the letter box this morning from Vanquish Bank (Colonnade Group??) I could not believe just how poor a card it is... The letter has all the usual rubbish about managing finances with headings like.. "Stay in control of your budgeting with up to £1000 credit and no surprise charges" "We won't set…
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Extended 0% period on my M&S???
:D HI I did a BT from my M&S CC last night, on which I have 0% till february, however the lady I spoke to said something like: your balance transfer was made at the rate of 0% for 6 months/ or the rate of my BT is 0% for 6 months (something like this). Well 6 months from yesterday ends in April 26, so what does that mean?…
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Please Advice (Credit card debt)
Hello, Im Boris and I came from Russia to do my Masters in UK last year. I had a RBS credit card when I was here and I owed them around £1000 when my Visa expired. I had to go back to Russia and it took me 9 months to renew my visa and come back. I went to the place where I was staying earlier but they have not kept any of…
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Chip & Signature Application Form
Does anyone out there know of a card issuer that offers Chip & Signature Cards vice PINs on their application form?
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Tesco no longer accepting non-chipped cards after Oct - arg!
One of my cards is chipped so that's okay, but my Amex card isn't. Tescos just won't accept it after October and Amex said I'll get a chipped card when this one expires which is not for eons!
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What's Happened to My BT??
About 10 days ago I BT'd some money from my Egg card to pay off another credit card at a much higher rate. The money appeared on the card 2/3 days later and it is now cleared. However, the BT is still not showing on my Egg card even though I've now had the money for over a week. What should I do? Contact them or just wait…
