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Credit Card Cheque Fees?
A friend had the balance to pay for an expensive holiday. She was advised by the holiday company that there is a 2% charge for paying by card, so they would charge her an extra £40 to process it. My friend asked if there was a way to avoid the charge and she was advised to send a cheque instead. She sent payment by Sky…
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vanquis card
Hi, hope youcan point me in the right direction. I am having trouble getting credit and I think it is due to having no credit history. I have got a mobile contract and a catalogue account. All are upto date with no missed payments. I tried to get a loan with my bank the other day and got turned down, I have checked my…
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What should I do with credit cards I don't use?
Hi all, I've got a few credit cards and I only want to use one of them and keep a spare for emergencies. What's best to do with the other ones? Should I cancel them or just cut them up? What's best for my credit rating?
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Best SBT CRedit Cards
Please help a newbie but keen moneysaver/maker, What cards have the best 0% BT deals if possible without charging a fee? many, many thanks jobytc
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Transferring CC Cash into my current account.....
Hi all, I have stupidly run up a big overdraft limit on my bank account. I also have £2500 on a 0% balance credit card that I'm paying off. I would like to transfer money from the credit card to my bank account but the card I'm with (Natwest) doesn't do this unless I just withdraw money as usual at a 15% apr. Which of…
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0% interest n/a if you've worked abroad....
Spent hours chasing a cc that will allow me to transfer my balance and get a 0% 6 months interest free deal, as a one-off (no tarting!). Just moved back to England after some years working abroad so major initial expenses. However the cc cos I've tried all insist on 3 years prior UK residency to qualify. Anyone know of one…
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who next 0% ? non MNBA providers ?
where to transfer my pot to next ? avoiding CCs run by MBNA/Egg/RBS I've just paid off my 0% Cap 1 card, so will call to cancel on Friday following cleared funds, also requesting 0% extension - you never know. That'll leave me with AmexPlat - for cashback, Virgin[mbna] £14k pot 0% period ends week 1 April, will request…
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Citi Cards over charge me
I made a balance transfer to my Citi Card at 4.9% interest rate and for the past six months have been charged 15.9% interest. Each month I call them to complain and each month they say it will be sorted for the next payment to no avail. I have just rang again and they say it will definately be put right for April. I am so…
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Egg Money: check your cashback!
I received my first Egg Money statements in January and February. I noticed that cashback earned on your last statement amounts were incorrect on both statements. In January, it showed £0.05 for £238 worth of purchases. For the previous period, when they were running the 2% cashback, the amount displayed was short of a…
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"Have spend-free days and avoid buying on credit" says credit card provider
Egg are e-mailing all their customers with a list of practical money saving tips. Mostly common sense stuff. What raised eyebrows though was their advice not to use credit! Shooting themselves in the foot a bit? http://new.egg.com/visitor/0,,3_84127--View_1768,00.html
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HSBC 0% Card - BT Blunder - Warning!!!!!
For all those who have had to transfer balances to another card whilst waiting for HSBC to complete the appliaction process for the 0% card...take heed of the following: Today I phoned HSBC to activate my card which arrived on Saturday. When I made my original application (early Jan), I stated that I wanted to make a BT…
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Amex application
Aplied for an amex transfer for life card last saturday(11th feb) and have not yet received any decision. Does anyone know how long on average it takes please. Also, do they just check experian or do they check other credit referencing agencies as well? cheers :beer: monster
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MBNA upping BT fees
Apologies if this has already been posted, I did have a quick look but I don't have time to scan through loads of pages. Letter received from MBNA this morning informed us that the BT fee will be increasing to 3% minumum £75 from April 1st 2006. :(
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Should I use a 0% purchase card to pay off a loan?
Hi, I've read through the articles on credit card savings, but I'm still a bit confused. So I hope someone can help. I have a loan for just over £5,000 which I have only recently taken out at an APR of 6.7%. But within the next month I'm going to get a lump sum which would more than allow me to pay it off. I was thinking…
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Halifax One - repeat 0% ??
I have just had my replacement Halifax One card and the agreement that it was stuck to states that I have 0% for 9 months on Balance Transfers and Purchases! I didn't expect that again, so phoned to check when it was effective - is it from the date of the new card? First adviser - checked and passed me on Second adviser -…
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Credit card PPI - is it really worth it?
I'm desperately trying to reduce my credit card balances, but the PPI on each account means that it's painfully slow - a sizeable chunk of each month's payment seems to go on paying this off. I'd like to cancel it, but I like the peace of mind it gives me. Am I deluding myself, however? Is it actually worth having, and if…
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Egg SBT Fee
I have just opened an Egg Credit Card and taken advantage of the 'Super Balance Transfer' option. The money I have balance transferred is at 0% interest until 1st November 2006. As Martin explains in his Super Balance Transfers article, I had to pay a fee for this service, in my case £50. I would like all readers to note…
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HSBC Balance Transfer
:confused: I had my application for a balance transfer approved at the begining of January. I sent my agrement form off right away, the blurb says I should have received my card witin 10 days. I still haven't got it, I've phoned twice and they say there is a back log. Does it usually take so long? :confused:
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M&S 0% extension
It has been said that there is a "loophole" in M&S introductory period which allows you to effectively extend your 0% period by a further 6 months. Apparently this is because when you make a balance transfer within the introductory period the BT will be charged at 0% from the date of the transfer. So if you BT just before…
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capital one classic
I have not got the best of credit ratings so as a way to improve things, i applied for the capital one classic card. I was accepted for this and was given a £1k limit on it. After a few months of spending and paying off my balance in full each month, they upgraded me to a so called capital one goldcard and raised my limit…
