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What do I pay?
I have received my credit card bill today and is due to be paid in January. There is an item on there which I have returned and the credit is not yet showing. Do I pay the bill less this amount or pay the full amount and then be in credit on the credit card?
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Amex in blind panic
Last month I paid my Amex bill as usual but the payment never reached them (the bank are investigating as I type). Between the appropriate date and the time I got home from a short trip I had had two letters about it (apart from my statement) and a phone call. Now, it's a very long time since I last missed a payment, but…
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Egg limit increase
I want a limit increase on my egg card - will they search external credit agencys for this or will they just look at there internal system?
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Cancelling Virgin - problems!
I recently paid off the majority of my credit card debts and set about cancelling some cards I had accumulated over the years. Most were very understanding and sent letters confirming the closure of the account. When I spoke to Virgin I was put through a 'special department' that tried to convince me to stay. I explained…
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Spending on my credit card
Just out of interest, this probably sounds a daft question, but I don't know much about credit cards. I owe £300.00 on my barclaycard. If I was to pay it off when I get paid at the end of the month, but then use it during January to buy food and petrol, paying it off once again at the end of January, would this accrue…
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quick question : transferring to and from the same two credit cards
hi, will my credit rating be affected if i keep transferring to and from the same cards? i do a balance transfer then end up spending on it for one reason and another so xfer to the other card, but if that rate of interest is higher, i transfer the debt back to the original card.
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How long have you held your oldest card
I was musing on this before ringing HSBC to see what sort of deal they wold give me on a balance transfer, and realised that I'd had the card for over 25 years (originally a Midland Bank Access card). The only reason I have it is because I happened to use an application form my mother had picked up at her branch rather…
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Balance transfer to an existing card
I have a couple of thousand on a CC and would like to transfer it to a low or zero interest card. I don't really want to get another card as I have three already with far more credit available than I would ever need to use. I checked the HSBC page and it mentions 0% balance transfers, but tells people with existing cards…
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Capital One Balance Transfer Question
Hi All, I recently received a letter from Capital One saying the following: The letter goes on to say how I can perform this balance transfer, with the enclosed cheque or over the phone. Now, I'm going to ask a purposely quite-open question: How do you interpret this deal? I will expand more if I receive some replies.…
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Barclaycard 6.9% p.a bank transfer...
Sorry if this has been asked before I did have a quick search and found nothing! Okay.. I've got a £500 limit with Barclaycard at 19.95%!!! Balance is at £325 which I could clear by 22nd Jan as priority. The 6.9% offer doesn't expire to 31st of Jan so I could transfer £450 (going by what I've quote below from there…
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If
Hi Everyone Has anyone applied for an IF card lately, just wondered if they still only use equifax or now use experian (as they are part of the Halifax) Any info would be great Thanks fj
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Best bal transder deals
Hi, I have just under 3k owing on my card and want to transfer balance over to a card that offers 0% for a period of time. Which is the best deal besides virgin, as i already have a virgin card and cannot transfer it to that.
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M&S &More Card!
I have been an &More credit card holder for more than two years, spend a lot on it and 11 months out of 12 I pay it all off at the end of the month. M&S are now changing the cards from the old Visa cards to new Mastercards, and although my Mum got one automatically, they've asked em to re-apply. I don't want another credit…
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Credit Card List
Just a tip others may find useful, I keep a sreadsheet with a list of all the previous credit cards I have had and what date/year I send them back and close the account. This list is very useful when I'm looking for new 0% deals, I can check whether I've been with that card before and if it was long enough ago to qualify…
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The rules
Hi guys newbie to the forum & was after knowing 1 basic question. Can you transfer a bank overdraft to a 0% balance transfer credit card or is it stricktly for card to card balance transfers :confused: Soz to start my first thread with a question that has probably been done to the death but it is Christmas :xmassign:
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Good idea? Or plain crazy?
I need £112.5k for a house. Have £100k offer of mortgage and £6k deposit. Need £6.5k. May be able to cut this to £5k. I want to get this £5k from a SBT and pay off from remortgaging in 12 to 18 months. I can borrow the £5k from friends and get the SBT card after mortgage is assigned so as not to affect the mortgage. Is…
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Anyone receive this email about capital one??
Did anyone receive this email from capital one? I think its a scam to get your details, but I'm waiting to hear back from CapitalOne if it is. It asks for all your details needed to sign in etc. [font=Verdana, Arial, Helvetica, sans-serif][size=-1] [/size][/font]
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Skycard - 12 months 0% on BT's and Purchases
According to Teletext (ch4 p534), Skycard are launching a new offering on 20th December 2005. The new card will offer 12 months 0% on both BT's and Purchases until 1st January 2007, and retain the present 2.5% BT fee. The Teletext article doesn't mention whether the BT fee will remain capped at £50, and there is currently…
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smile credit card - help please.
I have recently got a smile credit card and smile current account. I sent a direct debit form to pay the full balance on the credit card from my smile current account and requested the payment date to be 3rd of the month. Nothing appeared in my list of direct debits but smile confirmed by secure message that the DD was set…
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Longest credit card for a new purchase needed?
I want to buy a new plasma tv and the store does not have 0% interest for paying for it and as its a fair amount i am looking for a new card to apply that i can get asap and use to buy the plasma and use the 0% on the card to pay up the tv,i prefer to have the longest 0% available but cant settle for 10 months,i need a few…
