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virgin question
my wife and i have been accepted for virgin credit cards and should recieve them in about ten days.I was wondering can you do super balance transfers to current accounts (like egg) online or do they have to be done over the phone?
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C.C cashback vs direct debit
This is general question although I'm sure the answer depends on specifics. I'm about to change my gas and electric providers and am trying to weigh up the gains between paying by direct debit (usually given as the cheapest option) and paying bills by credit card to get the cashback. I have an amex and a morgan stanley.…
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Does going over your credit limit affect your credit rating?
If you accidentally go over your credit limit does this affect your credit rating? I looked at a statement and it told me that I had £150 left for cash or purchases. I spent £110 of the £150 and then I got hit with the interest charges from the previous month which has taken me over my limit and I am a bit worried. I cant…
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Warning about restaurant cc slips...
Not sure if this has been posted before but for a long time when presented with a credit card slip,I simply checked the amount and signed. Recently, I have noticed that a significant number of restaurants print your entire credit card number and expiry date... For some reason, I assumed that all the cc machines hid a…
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Do you NEED a visa card?
I have 2 UK Mastercards (Nwest, Egg), Amex and a Barclay Visa. After getting the Egg card, I don't particularly want the Barclaycard (I don't have the time to shunt money around to benefit from the interest free stuff). What I would like to know is whether it is necessary to keep a visa card. From personal experience, I…
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Just Turned 18 and Looking to get a Credit Card
As the title reads, basically. I stupidly applied for a Lloyds TSB platinum card without much knowledge about credit cards and they obvioulsy turned me down... How is the credit rating when you just turn 18? Is it the worst it will ever be? Or is it 'average'? I'm a student, only work part time but earning about £700 a…
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Turned Down By Virgin
Just applied for a Virgin credit card and for the first time in 20 years been turned down for credit. All they gave me was a letter saying that they had done their checks at Equifax and couldn't offer me a card Got my credit file and credit score from Equifax and Experian, both come up as good (447 on equifax and 955 on…
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Cheaper way to withdraw cash from credit cards
Debenhams “Travel Money” Cirrus card issued by Clydesdale Bank. Particularly useful for those who don’t have “mule” cards and need to withdraw cash from cards with high cash advance interest, but cannot afford to pay interest. Also it can be used to take advantage of purchase promos by withdrawing cash. Cirrus cash card…
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Credit card query
Hello everybody, This is my first post to this site, so please be patient with me, I am after a bit of advice, I currently have a M&S c/card with 0% till 14/02/2006 with outstanding balance of £3500 credit limit of £6k ,,,,,, I also have a A&L c/card which has bal of £2300..credit limit of £3300 (made a huge mistake…
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Credit Card Company Does As It Please's
Hi guys, I set up a credit card account (a) in june 1996, I wrote to the credit card company in december 1999 to close the account (a). The credit card account was never closed (a), they left it dormant. The last statement I received was during december 1999. They changed the account (a) number in may 2004, but didn't…
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BarclayCard Payment Con?
I got a BarclayCard a few weeks ago and went online today with the intention of making a large(ish) payment, online to discover that they only allow you to pay your minimum payment online or by phone using your debit card. They then don't allow you to pay more than this using this method for 90 days after your first…
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Quick Question please
Just a quick question to ask people: As previously posted, my Virgin 0% period is due to expire 01.12.05. I currently owe £2900 on it and obviously, don't want to pay any interest on the remaining debt. I was thinking of just balance transferring the debt to a new card, which I was planning to open this week. I also have a…
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Amex vs visa and mastercard
Does anyone know if you receive the same sort of purchase protection with American Express as opposed to visa and mastercard? Thanks in advance.
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halifax £25 late fee but paid on time!!!!!!!!
I have a Halifax credit card to which I set up a standing order from my Bank (Abbey) to pay the minimum monthly payment. The first two months was paid without problem, put the third month I received a letter from the Abbey saying they could no longer make a payment as the sort code had changed. Because I only had a few…
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hsbc customer, will they credit check?
I've been a customer of HSBC for some time now and have a savings of £40K with them, would they still need to check my CRA file if I applied for their credit card?
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Balance Transfer
Please could anybody help, I am selling a car to a friend but they cannot afford to buy it outright. So a member of there family wanted to know if the can pay by credit card, In otherwords they pay my outstanding balance on a card i have with there card. Just wanted to know if it can be done Thanks Wireman
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credit report too large on the web
Hi, I regalarly check my experian report. And today, it says, @I'm sorry but your report is too large to display it on the web. Is this normal? Has this happened to anyone?
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Nationwide VISA DEBIT card..
Hey guys, Hope this is in the right place, here is my dilema: I have recently applied for the Nationwide VISA debit card. When the card came through it only has "cirrus" and "link" logos on the back, and on the front is clearly labelled "Cash card". Upon going into a bank I was informed that my credit rating had failed for…
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Appealing?
Hey, on the advice of this site I'm going to appeal a decline on a capital one card, I have been advised that I need to do this in writting but what information do I need to give them? any help would be great
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Is there anyway round this?
Hopefully some credit card experts will be able to find a solution for me. Background is 0% card taken out with one of the MBNA'S stable credit limit of £7k, paid off at end of 0% period and balance transferred to Virgin credit card which was on a 0% giving combined credit limit of £13,900 - Virgin card paid off and…
