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Help - A little bit of Guidance
I am trying to consolidate all of my debts. I have a CC with £800 debt (0% until 01/02/06) and 2 current accounts that are both overdrawn by 6 – 700 each. I want to put them all on to a 0% card and pay them off as much as I can each month. I went to Lloyds TSB to go on their 0% card but was told that I can not Balance…
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Credit Card Tactics - need help
Hi all, I've got three credit cards on the go at the moment but due to my partners poor credit record (we have joint account and mortgage to link us together) and my previous credit "hunger", it's probably unlikely that I would get accepted for a new 0% card (despite having quite a good payment history, good salary and my…
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Credit Card for low-earner
Hi, I'm a long time mailing list member, mainly out of interest, as I have only just turned 18 (and been in the position to put it into practice). I signed up for a Morgan and Standly Card (the one recommended by Martin). However they have rejected me based on my low earnings, So I need a card company that will accept me…
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egg positive balance transfers
is it still possible to do these as i've got a feeling i read somewhere you can't?? if you can is there a fee because it's been a while since i last did one
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No BT fee for MBNA mastercard
Mr Smartsaver's MBNA mastercard deal has just run out and been paid off (out of stooze pot not BT 'd to anothe card). He called today to see if there were any more 0% deals going and was able to BT to EGG for 6 months with no BT fee... With all the bad press MBNA get thought it was worth posting something positive :)
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Do you read the T&Cs? Check this one...
I found a new condition in the T&Cs today, when applying for a Lloyds / TSB credit card... How about that for washing your hands of any responsibilities!
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Joint applications - better or worse?
Hi all, my first post, looking forward to being part of a community that has saved me £600 and 2 months on my mortgage this year :beer: Is it better or worse to have joint applicants on a credit card application? I'm trying to weigh up the advantages of having our own accounts to maximise interest free borrowing. Fear not!…
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Rejected for Halifax cord cos I'm a rate tart?
Just been rejected for a Halifax card. The letter said that it had nothing to do with anythjing adverse on my credit rating. This seems to imply that they just don't want me as a customer because of my rate tart behaviour! I have recently got my experion report, so know that my credit history is perfect! I have had 3 0%…
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Best Card For 0% On Purchases?
hi as christmas is comin up no doubt ill need to by a few things, but is there a card that will charge me 0% for purchases over this festive season cant really do with a high monthly interest card...
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Abbey Credit Card - Not fee free in branch anymore
Hi Martin, Just thought I should let you know that Abbey's credit card is not fee free any more. When I rang to apply, I was told it was fee free over the phone or in branch, but not on line, so I applied over the phone. I have just received my terms and conditions and saw that it was charging 2%. I contacted Abbey who…
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Barclaycard
My husband has one of their cards with a ridiculously low limit, even though he is a high earner. They put up his credit limit by a meagre £100 in the last couple of years. I mentioned to him that some cardholders had managed to get 4000 nectar points for threatening to cancel & suggested he try the same. Twice he called…
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Egg anniversary money to someone else?
Hello one and all. My egg anniversary month is Dec and i will be doing a SBT. I am buying a car off a bloke at work and he wants to sell it at the end of this month as that's when his company car turns up I don't want to take money out of my isa's to pay him so want to pay him with my egg money. My question is, can i SBT…
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Eggs 5 Months Free.
Been trying to find details of the Egg aniversary offer. Can anybody tell me if the 5 month no interest offer starts from the aniversary date and therefore ends 5 months after, or from the date of any transfer?
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which cash back sites for hbc and barclaycard
friend considering applying for barclaycard and hsbc - any sites where they can apply on line and get cashback?. thanks
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Credit card/bank fraud
I recently dealt with someone who had £6000 taken from his account whilst the thief used his photo driving license as ID, the bank clearly didn't check the photo when the guy asked to withdraw the £6000, crazy, luckily the guy was insured. With the rising problems in credit card/bank fraud how can we make sure we are…
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First posted in debt free..making more use of interest rates..
Hi All Have been reding for a while and thought i`d post for some advice , which would be greatly appreciated This is my situation (i thought as its debt to put it here not in credit cards but feel free to move it ) I have this debt : Egg @ 14.9 £120 limit £1750 Marbles @ 14.9 £166 limit £3200 Barclaycard @ 6.9 £1600 &…
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credit cards without tfr fee
Does anyone know if there are any credit cards left that do not charge afee to transfer a balance from elsewhere??????
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Barclaycard- how long?
Does anyone know how soon after closing the account can I apply again? The reason I ask is that I stupidly closed this account instead of the one I meant to cancel. I only closed it on 31st October, do you think they can reactivate the account or not?
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Amex BT's
I assume that like other cards I can add another BT to my Amex card and be entitled to LOB rates of 4.9%???????????
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mistake in my favour! how long before im safe?
Had a credit balance of £150 on my Halifax credit card due to some refunds. I asked them to transfer it to my Halifax bank account. They didnt do it, so i called back and asked again. Yet again it wasnt done, i called a third time to have it done. Seven days later, i check my balance and they have transfered it three…
