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To transfer or not?
Hi looking for some help here I currently have about £5900 on Halifax One and am paying 4.9%. I don't spend on this card. I also have £1900 on Capital One at 15.9% which I don't spend on. Halifax have offered me a rate of 6.95% to transfer this. Capital One, won't budge. I pay the minimum (or a few quid over) on both as I…
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Low Interest Rate CC to pay off car loan?
Can anybody see any problems taking out a low interest (0%) credit card to pay off the balance of an existing car loan as long as you ensure you pay the amount off before the 0% rate expires?
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Barclaycard help please
Hubby has a bcard with just over £1k outstanding..The rate is a hideous 17.9 % .Would it be best to ask barclay for a better rate card (can we even do this?) or look for a better rate elsewhere.Not sure if we would get another card anywhere due to outstanding debts even though we are paying extra on everything each…
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Capital One, new offer?
Received offer from Capital One today for 0% BT until September 2007 conditional on spending £100 on card before July 06. If choosing not to spend £100 on card by then the 0% deal ends Sep 06. Either way a handling fee of 2% of your BT amount will be "applied" to the account, no annual fee. Can't see anywhere that the…
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0% or 6.9% - help please
As my maths is terrible I need all the help I can get with this. I just phoned Barclaycard and they said I have 3 offers available to me. Offer 1: 6.9% until paid off in full.(no fee) Offer 2: 0% until April with a 2.5% fee.(uncapped) Offer 3: 0% until August with a 2.5% fee.(uncapped) I can tell that offer 3 is better…
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Chip and pin overload day?
Early Thursday afternoon - and I've had my credit card rejected at a store (after 2 attempts). No - I didn't forget my PIN and it worked fine yesterday and the day before. Worried that I could no longer use my card (as advised by the shop assistant), I rang my card provider. _pale_ Don't know whether this is true or not,…
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RBOS and NATWEST CreditExpert Alert
Just saw this information when I logged in to credit expert. If you have a loan account with Royal Bank of Scotland or National Westminster Bank, you may get an alert about this account from CreditExpert in January or February. Don't worry – it’s actually good news. These banks are providing new data to Experian, the…
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mint - transfer to current account without using a cheque?
hi everyone- i have £730 available credit on my mint card and my hsbc overdraft currently stands at £750. i understand that using a transfer and save cheque would incur a 2% fee. can i transfer this amount to my current account any other way, e.g. over the phone, or online?
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Managing debt from abroad
Hi, I am a UK citizen lived in England all my life and now have gone to South Africa to work for a couple of years. I have a 1500 pounds debt from flights and embassy work permit fees etc and I also need to spend a bit before I start getting paid, things like a car and to rent a flat. Any advice on how to do this? My plan…
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Need a balance transfer but credit not too good....
My partner has about £2400 on a Halifax credit card at a rough apr of 19.9% or thereabouts. he is paying about £35 a month in interest alone with a repayment of £100 each month. What he desperately needs is a 0% balance transfer deal or a low, life of balance transfer but I have no idea where to look, plus I know if we…
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Credit Cards - I know this is supposed to be easy.....
I've read the credit card section and still find it difficult to understand stoozing. I dont have a balance to transfer as I mucked it up with A &L so used my savings to pay off my card but I would like to put some money into my ISA before the cut off date (and after hopefully) but do not understand which cards are the…
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Amex Platinum CC now on Greasy Palm
Greasy Palm have added the Amex Platinum credit card to thier list of rewards. You get £17.50 reward for successfully applying via Greasy Palm. http://www.greasypalm.co.uk/new.php?retailerid=1130
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American Express
I have a brilliant credit file. Experien have me down as 930 points, and Eqifax have me as 489 points. I earn over 23K per year. I have been with the same employer for 8 years. Yet Ameriacan express refused my appliction for a Platinum card. I got my bank manager to write me a letter of support and appealed thier decision.…
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Stoozing
Hi I want to start stoozing but can anyone recommend a credit card that I can apply for, that doesnt cost anything to balance transfer. (At present I only have a cashback cc and pay off full balance every month, therefore not actually got a balance to transfer) All info is welcome. Thank you before hand.
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credit expert 30 days
any idea how to cancel this? i cant find it on the website, but is it because I am tired ????
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Can I use a credit card to buy a car?
I know it sound's like a simple qustion! I'm looking to buy from a private seller without credit card facilities. I don't have a credit card right now but am thinkning about applying for a 0% Skycard, but if i withdraw cash i'll get charged. So, Can I transfer money for the credit card to my current account yo pay for the…
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Mint - Declined!! Anyone appealed and won?
Hi, I applied for 2 cards a couple of weeks ago. Got accepted for HSBC but declined for Mint. Had to call them a few times as they are really slow. Anyway, each time they said my details had JUST been entered onto the system and they would make a decision. Clearly this was not the case, as I was again told this tonight,…
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Mint transfer charges 0% interest
Does anyone know if Mint charge you when you transfer a balance? Thanks
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cancelling capital one
why can i only cancel my capital one credit card and pay off the balance by telephone if i am over my limit or in arrears with payments. is it just them squeezing out the extra pennies worth of interest whilst my card is still active while the payment take five days to recieve. surely a credit agreement can be canceled at…
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IF & Halifax Credit Cards
Just canceled my Intelligent Finance VISA card tonight. They're owned by Halifax, and I'd be interested in applying for the Halifax One card. Would I be right in thinking that I can now do this given that I've cancelled the IF card? Or would I be better to wait a few months to allow Experian/Equifax to catch up with their…
