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moving address with my credit account, pitfalls ?
just like to say what finantistic site this is with brill advice! this is my first post, so please be patient, ..... here goes, ive got all my accounts including credit and bank at my mums house, all my wages and financial mail go there and always have done. Im not on the electoral roll because I dont always live there but…
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DCC on Working Lunch today (Mon 7 Nov)
Was a section on Dynamic Currency Conversion today. Nothing we already don't know about, apart from one thing. Lady towards the end mentioned she had spoken to Visa, and Visa are going to implement a "right of reply" re DCC when you come back from abroad. I'm thinking this means you will be able to dispute the transaction.…
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credit file worth knowing
Do you know that if you apply on-line for a credit card, and you do not pass their own credit scoring, they do not check your credit file anymore from Experian and Equifax. They just decline you straight away. If you pass their own credit scoring, that's when they will inquire with Equifax or Experian. I think that's why…
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need interest free new card
hi, i need a new card intrest free have virgin card and didnt know they charge interest for purchases at 15%!! so wanna balance transfer some of it which is the best card? have had mint, virgin, tesco and halufax (i swap them over for free period and dont usually spend on them but bought two sofas thinking was interest…
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A&L Credit Card - Using it to buy a car?
Can I use the 0% balance transfer facilty of my A&L card to fund the purchase of a replacement car? Is so, what is the process?
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How do you do a balance transfer with egg
Hi all how to I go by doing a balance transfer with egg and how tough are the appeals department I thought I asked for an increase of £1000 but I now know I asked for it to be increased to £1000 tried increasing tonight and was rejected,fiancee ended it a month before our wedding and need a holiday
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How much and which one?
Firstly I would like to say what a great site this is! Okay, can someone help me please? I recently sold my house in order to get myself out of debt. I have £23,000 on credit cards and luckily the equity from my house will cover it. I have the following cards: Halifax One Capital One Virgin Barclaycard Egg My question is…
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MINT 0% for existing customers till 2/12/05
I wonder if anyone can clarify this.I have been sent details from Mint with whom I have had a card with for a while. They are offering 0% on BTs until april 06, but are charging a 2% fee, my query is will I be charged interest on this amount or will it attract no interest. I usually pay off my cards in full, but his month…
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A&L bring forward payment due by 5 days
Beware, dont know if it applies to all MBNA cards, but after a year plus of having the same payment due date, both moi and OH noticed on latest statement the payment has jumped to 5 days earlier. Could affect someones direct debit into being late.:mad: dc
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Amex Cashback Warning!!
Decided to apply and use amex plat cc as you get upto 2% on purchases if spend over 7500k, you get this paid directly on anniversary of opening account. So as I and partner put on 8000k in a year I was expecting a nice £160 in cashback. What I got was only £70. Called amex and they sent me a breakdown of their cashback. I…
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charity cards
Are charity cards (cancer research, NSPCC, etc) more linient with their credit scoring?
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Applying for Egg anniversary card
Do I stand a better chance of being accepted if I open an account with them first?
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Credit card application questions
Hello everyone. I am thinking of applying for a cashback credit card, but I'm a bit new to this and a bit scared.. As a student I had (and still have) a student Barclaycard for 2 years which I used moderately and always paid off on time. Besides that, I have little credit history. I'm currently doing two fairly low-paid…
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Why does paying cash need 5 days before min payment date !
Just returned from holiday. Gone through the paperwork, and as expected received a credit card statement. The min payment due date is the 8th. So on Sat I thought no problem I will go into the branch and make a payment today (in cash if need be !) However after speaking to them on the phone they tell me that any form of…
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0% balance ending.
My 0% ends on the 30/01/06 when should i apply for another 0% credit card.? :D
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Tesco Finance / HSBC bank account...
Anyone else have a Tesco Finance card and pay it via bank transfer from their HSBC account? I just went in to set up a new payment for my card, clicked on "Setup new Payee" went down HSBC's list which had both normal and platinum on there and started to type in the payment reference. This is where i hit a wall. The…
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credit card fee
I want to use my Egg money card to pay for my honeymoon during there 2% cashback period - Problem is I have a feeling that thomas cook will want to charge me a fee to pay by credit card which will probably wipe out my cashback - do you think if I ask them nicely that they will wave the fee? the total amount is £3000 (£60…
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Card tart advice required - Help!
Hi all. I've got some serious card debt that I need some advice with. I have five credit cards, with a total of just over 10.5k balance. Here they are: MBNA balance £2000, credit limit £3000, interest rate 22.5apr Barclaycard balance £1000, credit limit £5400, interest rate 18.9apr Lloyds TSB balance £4500, credit limit…
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Life Finance Rip Off
We applied for a life Finance Card some 6 months ago on MSE advice to maximise cash back. My husband got his card but I was advised that I couldn't have a card as I had no income (now I'm a mum) and therefore no credit rating. We kept asking for a card for me and last week my husband was told that as he was a valued…
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transfer of credit to 0%
I need to make sure but if i have a 0% credit card and transfered credit from other cards to it,if say months later i still have cards i want to transfer to this 0% card will i still get the 0% or will these be charged with interest when done as it was not done when i got the new card,im pretty sure i am ok on the 0% until…
