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credit card help please ;)
hi, i'm a student, and have £1,400 on credit card with halifax. am paying around £28/month, and then £25 is interest, which i can afford, but my balance is only going down £3/month. is there anyway i can change CC company to reduce my payments for X amount of months? the prob is i don't really have an income other than…
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Alliance and Leicester
can anyone who has done a BT on their credit card tell me if they were charged a fee? i know they say they will charge 2% but in my experience some companies don't take it. (virgin being one) also if they will take it, my limit is £2500 so it will be the £50 max so will it be worth it for 9 months?
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Some help please
I have taken out a egg card to clear of my overdraft which was £750 my natwest card 0%coming to an end £325 and i was given a limit of £2250 So i transfered £2137 my max allowed into my bank account, (was charged £42.74) which cleared my OD & paid off my natwest card in one go, I want to put the remainder into a isa to…
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Balance transfers?????
Hi, having taken advice from here and transferred my CC balance (which the 0% expires in July) can I keep transferring to other cards until the balance is paid off, if I do this does it in any way affect my credit rating, or look bad on me for future transactions??????
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what looks better
I have a credit card that has a limit of £7750 and a balance of £4000. Which would look better when applying for a lower interest rate card, if I left it how it was or decreased the credit limit? If decreasing should I decrease it right down to £4000 or would that look bad? Any advice?
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Capital One Platinum Credit Card
Hi All, Could some one please tell me the difference between the Captial One Platinum Mastercard and the Capital One No Hassle Platinum Mastercard. Looking at there webiste, the only difference I can see is that the no hassle one has a lower interest rate. I am sure there must be other differences but their website is…
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Help with cc shuffle
Hi everyone, Im looking for a bit of help with this. I want to get it right and thought it best to ask you lot 1st!! I owe on credit cards Barclaycard 6454.17 Got them to reduse rate to 9.9 M&S 6812.30 No joy with rate reduction. Stupidly I have a LOB rate of 3.9 but have spent on card also at 15.9. I know how stupid this…
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HSBC asking for ID documents
Hi all, I applied recently for the HSBC credit card, have had my acceptance confirmed and have had the credit agreement sent to me for my signature. The covering letter states that when I return it I will need to enclose a recent payslip and a utility bill. Two problems: (1) I do not have any utility bills in my name. They…
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Juggling Balance Transfers
Hi folks, wonder if someone could help with a bit of advice please :) I recently received a RBS credit card and I was wanting to transfer my balance from my Mint card. According to the RBS small print, I can't transfer from companies within the RBS group of companies, which includes Mint as far as I know. This means I will…
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Improving an oddly low Credit Score
I've had a look at my credit score on experian, and was somewhat surprised to see it rated only as fair. I was suspicious as my last couple of applications failed to go through on the spot, see : left it too late for balance transfer? I'm a bit surprised at this low score. I have no loans or anything like that. CC debt is…
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Best CCard for applicant with late payments
Hi All, Apart from Cap1 are there any other providers that will issue a 'Gaurenteed CCard"? Also helpful if it can be charged with cash so has a 'credit balance' if spending limits are low - Capital One will not allow this. Need it as going overseas and need Credit Card to pay for bills (Car Hire, Hotel etc) with companies…
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AMEX Nectar Card
I have applied for the Amex nectar card about a week ago. This morning I received my PIN - presumably the card will follow. But my question is this: if I receive 4 points for every £1.00 of spending ( admittedly from Nectar sponsers), this would mean that I need only spend £125.00 to gain 500 points for which I'll receive…
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How to get your £20 late fee wiped off!
Well im pleased with myself today. I cant stand natwest ever since my OH got charged over £60 in fees when a £3 cheque bounced , causing a charge of £20 which cascaded in 2 direct debit bounces (as they didnt tell him straight away and it was too late to put funds in to stop the others happeneing) thus a £3 cheque costing…
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Advance and existing Lloyds Credit Card Holders
This is my first posting so apologies in advance if too long! I took Lloyds up on their internet offer of an Advance credit card -5.5% life of balance transfer rate which I thought was quite good as had a bit of debt I wanted to transfer onto it and pay off properly. I am already a Lloyds platinum card holder with a small…
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Egg Money Account
My 0% deal with tesco is coming to an end and looking for another 0% to do a BT to. Applied for HSBS but seems a bit slow from coments read so applied online for egg and got instant decision and surficient credit to cover BT. 1. The questoin is do I have to wait for card or can I ring up and arange balance transfer prior…
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Balance Transfer cards
I started off with £3000 on a Monument CC (approx 19% interest I think) Applied for a Mint Card, 0% for 9 months Only got £2050 limit, so transferred what I could onto that card. paid £200 to Monument and am now left with (approx) £750 on it. Also have a Capital one card with £550 on it. My problem is - I want to move away…
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Prepaid debit/credit cards...any pointers?
Hello everyone To cut a long story short, I work as part of a "digital inclusion" team in Glasgow, based in a Cybercafe offering free internet access and ICT training to residents and employees in our area. For a number of reasons (including the imminent closure of a nearby shopping centre housing the only supermarket),…
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problem with amex
hi i need advice, i had my amex cancelled on the basis that my direct debit did not go through by a couple of days twice in one year, I cannot find in the terms and condition such a thing. can anyone clarify this for me, it seems a bit harsh thanks Jesan
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Egg Money and Egg Card - got both?
Hi, I have Egg Money, is it possible to also have an Egg card? and will they split the limit between the two? Any help much appreciated! Spell
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Virgin Balance Transfer fee
When you transfer balances to Virgin's interest-free for 9 months card, they hit you with a fee for each one, up to a max of £50,adding up to effectively quite a bit of interest! NOT such a good deal, after all!! IK55 :mad: :mad: :mad:
