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Best Vs Worst Credit Card Companies UK
HSBC Srudent Credit Card Seems nice but flexible.The customer service is nice and helpfull. However they have a strict credit limit for students for £250. Whatever happens you cant make them buldge. Capital One Credit Card. One of the biggest nightmare companies I have come across in 15 years of experience. They have crap…
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List cards with fixed daily limit.
Hi folks, Skycard £1000 Found that out when I was trying to pay for a >£1K purchase and it instantly disabled my card for any use for the day. The £1000 daily limit applies to all Skycard account holders. So plan ahead which cards to use for your Christmas shopping so you don't get caught out by the limits. Please list…
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Getting 0% cash of credit card
Will this work? I want to get 0% cash off a new credit card. The T&C's say no money transfers, O% is only applicable to purchases. What about me selling something I already own on Ebay for £5k and then me paying myself for it on my credit card? Does anyone know why this wouldn't fit in with the T&C's??
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Credit card cheques
I'm needing to pay off a booked holiday early in December - what is the best way to do this: Should I use a Credit card cheque, cost £12 per cheque, so that I avoid paying the Travel Company 2% for using my Visa Card - on a £4k trip 2% is worth saving! If I use the Credit Cheque I could then transfer to a 0% balance…
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Premium Bonds on 0% on purchase card.
I thought about buying some Premium Bonds with a 0% on purchases for 12 months card recently. The plan was to buy them with the card, pay the monthly minimum repayment with my own cash and at the end withdraw the bonds to pay off the card. At the end I would get my repayments back plus, hopefully, some winnings. Problem is…
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Credit Searches
Hi, I currently have 6 credit searches in the last 5 months. Any idea how long I have to waite before these searches would not effect me obtaining another credit card. The experian website says that after 12 months the searches would be erased, so I'm not sure when would be the right to to apply for further credit. Also I…
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Useful tip re: payment protection cover
I've just phoned up to cancel my PPI on my MBNA card because I was paying 72p per £100 and am self-employed so thought it was a waste of money. Am currently paying £17.58 per month on my balance, which I thought would be better spent on reducing my debt. The policy covers unemployment, accident/sickness, carer cover and…
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what to do when fraudulent use of card?
Hi, my bank HSBC contacted me yesterday to check if my credit card has been used fraudulently (which it had). Stopped the card, but I want to get a completely up to date statement so I can check for fraudulent transactions. However, I'm not due to get the statement until mid-December, and its not really possible to do this…
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Increasing Egg card credit limit
I currently have an Egg card with a £3k credit limit, and I wanted to know what my chances are of getting an increase, before I go ahead and request it. I always have nearly no debt on the card and dont use it that often. I have 2 months ago started a mortgage as a first time buyer. I have 2 other credit cards, both with…
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BMI Credit Card 20,000 destinations miles
Not sure if this is the right place for this but, along the same lines as the Amazon offer, BMI are giving away 20,000 destinations miles (which are their version of Air Miles) when you make your first spend on their card. Sounds pretty good to me - applied for mine tonight. Here's the link:…
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Egg Card
Can anyone help with my predicament? In April our 0% offer was running out so we e-mailed to cancel, we were duly contacted by phone and offered a further 6 months of 0% only on balance transfers. We obviously began to take advantage of this by transferring money from all over, especially when Egg let us increase our…
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Please Help Apr And Ear
Hello All Just wondering what is the difference btw APR AND EAR, which one applies to me and how is it calculated. thanks
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Buying premium bonds on credit card
I want to take advantage of a credit cards 0% interest rate for purchases. Does anybody know of a credit card that will allow the purchase of premium bonds at 0% interest. Would a credit card co class buying premium bonds as a 'money transfer'?
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Help
Hi, i need some help in working out a dilema.Basically i always card tart and at present i have my sky card with a balance of just over 2,500.00 on it at 0% till jan.I intend to have paid off most of this by jan, but i would not have paid it all off,whats left i intend to put a small amount on my egg anniversary offer-but…
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Credit Card V Loan - Opinions Please
Hello All, Advice needed - I've just added up my two outstanding credit cards and owe £6000 (that seems alot in black and white!). I've been looking at loans to consolidate the debt, however am wondering would a % interest credit card be better (my bank currently has one on offer for 6 months) - after that I would either…
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Does paying for your credit card in FULL every month make you have valued customer?
Does paying for your credit card in FULL every month make you have valued customer? Compared to some paying interest or mininum payment?? :money:
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Rejected for Morgan Stanley cashback card
Hi everyone, Just been rejected for a Morgan Stanley cashback card. Will be rining them to check the details they hold about me. In the meantime, I'm puzzled over the decision as I've never been overdrawn, never taken out a loan, don't have a mortgage etc. People have said that this is probably the chief reason as the…
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Fraudulent Transcation with Chip & Pin (LLoyds)
A friend is in dispute with lloyds at the moment with regards to a fraudulent transaction made on their credit card. Basically someone went into a store about 300 miles away and bought something for 500 using the card's pin as verification. This was only noticed when my friend got their statement. Now my friend claims that…
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Virgin credit card complaint
Has anyone got an email or real address that I can write to for Virgin? Its a complaint and all I can find on their website is info@virginmoney.com I've got the phone numbers but Im at my wits end with them and need to put it in writing. Cheers. :money:
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Lloyds TSB Platinum CC
Are these hard to apply for? I have a good credit score and history and recently closed a few cards too, I apllied for a LLoyds card and was accepted online but then wrote too and refused, can't understand why. I also have a bank account with them and that sees income of over £1,300 a month. They didn't give me the chance…
