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cancelling payment protection on a credit card
hi ive got an alliance and leicster credit card (for the past 6 months) and want to know if its possible to cancel the payment protection on it at this stage? thanks
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Need help for mum
Hi My mum is 65, retired and has a credit card from A&L with a balance of £15,000 on it. The interest is crippling her - can anyone give me some advice on which card is cheapest with lowest interest rate. I've had a look around the site at Amex ones but not sure if they accept retired and not working people? Thanks all.
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Strange ?
I have just received my credit agreement from HSBC for my 9 month 0% card. As i was reading the agreement i noticed a section that read that the "total charge from credit would be £298.00" . I looked at the T&C's a bit closer,and it stated "the total charge for credit is based on the assumption that you spend your credit…
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Captial One 0% til 07
I have looked for a similar thread but could not find one. I have taken the above card out to take advantage of the 0% offer for 12 months. I plan on transfering the remainder of my current card to it. However there will be a balance transfer fee. What would you suggest will be the cheapest way of me paying off the old…
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Closing Virgin plus EGG questions
Hi I have looked but cannot find the answer so sorry if this has been asked, and I am sure it has. I have an Egg card coming up to its anniversary so obviously I have not and will not close that account, but I have a Virgin card that recently ended it's 9 months at 0%, bearing in mind this card is a SBT, do I close it or…
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Definition of a default?
Hi all, Can someone define a "default" for me? I have credit card debts (£18k) which i'm in the process of tackling. All are on low/zero APR cards so i'm OK there. However, there have been a few times (perhaps 6 or so) in the last year where i've failed to make minimum payments to cards. This has only ever been through…
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Positive balance transfer
Hi the question i wish some help with is. My credit limit with egg is 15k and i owe £0 so could i apply for a new card with 0% for 9 months and balance transfer the credit limit on to the egg then transfer from egg to my bank account without occuring any charges as the egg will always be in credit. Will egg notice and say…
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A&L credit card
Does anyone know: a) which credit card provider issues the A&L-branded credit cards? b) is there any incentive for customers to open such credit cards (things like cashback on quidco, linemypocket etc)? c) is there any incentive to A&L staff to have the credit card emitted? Thanks
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credit card transfer.
i've got a clydesdale bank mastercard.it was interest free for 4 months.now this is up and the interest is piling on.can anyone advise another card for a balance transfer with an interest free period.
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Who own's who !
I remember looking at a link (from this forum) for a website which tells you what credit card company owns the type of card. i.e. MBNA owns Virgin etc. Can anybody remember the link? Thanks very much in advice. Phil
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Useful info about free Experian reports
Hi everyone, Just posted this on Debtfree too.... I enquired here a month or so ago on here, if I could get a second free trial from Credit Expert and was told 'No, as they have your info on file'...fair enough ! Anyway i thought i would try my luck today and phoned Credt Expert up (got free number from saynoto0870) I…
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Balance transfers for a newbie
Hi I have 2 credit cards the first is a Barclaycard with about £4000 on it the other is ambna card also with about £4000 on it. Whats the best thing to do to get my debt down ? Thanks
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Cancelling a Credit Card
DH has had a Citicard for a few years now to try and repair his credit rating, he's now been given a 0% Halifax card and just been offered a 0% Marbles card, we want to cancel the Citicard completely as obviously now we are eligible for decent cards we no longer wish to hold one with such a high interest rate. But not…
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Which credit card for MBNA?
Hi, I wondered if someone could offer me some advice please. I have a balance of £1800 on an MBNA credit card and would like to transfer it to a 0% card for as long as possible. Recently I obtained a Halifax credit card but they would not accept balance transfers from MBNA for some reason. Would someone be able to point me…
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Please help me :(
Ok, here we go...! Please be very easy with me... and remember that i am pure rubbish when it comes to credit cards etc!! My overdraft was £800, but i have just this minute had to have it extended to £1000 because i was near going over the limit :( I get paid £12,000 so that works out to about £850 a month. I know i need…
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Balance transfer Rate's
When choosing a card for balance transfer's what do you consider the best option for example: e.g. Amex 4.9% for life of balance, or a shorter term 0% offer (MBNA) which may include a fee of up to 2%?
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A credit card for travelling
Hi, I finished university 6 months ago and have never had a credit card. I plan to go travelling around Australia for a year in the near future and would like a credit card for emergency purposes. Could someone please advise as to what I should be looking for. Im guessing some sort of interest-free for a year credit card…
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Visa
Just a quickie. Does a visa debit card have the same protection as a visa credit card?
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CCJ & Credit card
O.k, long story cut short but i need some advice. After never having any debt in my life, six years ago i seperated from my husband, which eventually ended in divorce. We had a joint bank account, which was £50 overdrawn, we couldnt close it until it was back in credit, i paid half of that amount back into the account and…
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Whats Going On
about 3 weeks ago i applyed online for a capital one card at the 0% till 2007,but ive had no reply or forms or anything from them since,they say they will respond to an application in 7-10 days, ive just read they scraped the offer last saturday, do you think they have 'lost' my application on purpose to avoid giving me…
