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Positive balance to avoid withdrawl interest?
Hi all, I'm off overseas shortly, and thanks to the great advice here I've applied for the NatWide Credit Card to avoid paying loading charges etc. This card is great but obviously still charges you a one off per transaction charge and and interest on any cash advances. I've read various rumours from googling around that…
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Is their a time limit on reclaiming bill paid by CC.
Hello I ordered some furniture about a year ago and for many reasons including excuses from the supplier, I never received the goods. Finally, I got an email from someone else to tell me they company had gone bust and they had taken over only the trading name. I paid by telephone but most of the contact was by email. I…
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HSBC CC 0% balance transfer
I got one of these cards a few months ago (0% for 9 months.before they reduced it to 6 months)........... I have now sent 2 direct debit forms back to them ....first around beginning of March and the other a couple of weeks ago (although they had received the first per Royal Mail...they never actioned it.....)...they have…
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Credit card for poor credit
Hiya Somebody on this site mentioned mastercard prepaid card. My Friend has a poor credit history and I was wondering if this would help build their credit rating back up again.
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What happens if I keep getting refused?
Hi all I applied for the Post Office and RBS charity card and been refused. I have looked at my credit report and the only problem I see is my level of debt/income ratio of 8K/16.5K. I need to get another card soon to shift my balance over to it. My question is this: I have heard that it look bad to apply for too many…
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Barclaycard with no BT fee
Reading the article on here re: the best "fee free" balance transfer cards, the Barclaycard one says : "The Top Branch Application Card 10 months 0%. Barclaycard offers new customers 10 months 0%, however it usually charges a fee. To avoid this fee physically apply in a Barclays branch or if you’re an existing Barclays…
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Best numbers to cancel cards...
I am trying to cancel and A+L credit card, however can not find a cancellation number, is it best to simply ring the credit card number and ask to cancel the card? cheers steve
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BT to pay for car
I am buying a car on Thursday for £7500. I am thinking of using my Goldfish card (10k limit) for the purchase to get the points as its the highest cc limit I have. The garage is covering the cc fees for paying by cc (£165). I then need to BT to a card for as long as poss 0% so I can leave the bulk of the money in the bank,…
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Equifax only?
I know this question has probably been asked a million times and that there is the thread with which CRA's are used.... However, seemingly these seem somewhat out of date or inconsistent.... So, my question is..... Has anyone recently applied for a credit card where the search was conducted on Equifax? The reason I ask is…
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Buying bed online on a Credit Card - risky business?
Hi, I posted this post in the "anything else" forum but thought I'd post it here too since it is credit card related. Appologies if its not the right forum. We have found the bed we want by looking in a shop and testing them. But by searching online I found a website which sells the excact same bed £200 cheaper including…
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CREATE card closure
Note that if you decline the offered LloydsTSB Platinum card replacement for the CREATE card, ( the phone number to do so is in the letter of notification) you will forfeit any cash-back credit accumulated on CREATE. The offered replacement has no cash-back facility. This is sharp practice and is only overcome by accepting…
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cheap loan from credit card
I've foollowed martins guidance and got the above from a british airways amex card at 4.9%, and I've put the money against my offset mortgage at 5.2% (calculated dailey),just so I know I'm on the right track, can anyone confirm if I pay the minimum amount each month on the amex card, and dont touch the money thats offset,…
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MSDW (Mastercard) blocked?
Just had a call from Morgan Stanley fraud dept. who took me through the usual security routine then said that they were blocking my card because of a "security issue with Mastercard". They said they would send out a replacement card ASAP (new number) and offered to run through recent transactions if I was concerned. It was…
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Best credit card?
Hi all, Can anyone give me an idea of the best credit card to go for? I've had a good look through the different threads but can't really find the answer. I am soon to go abroad on holiday and, although I normally despise the idea of having a credit card, taking one is probably a good idea. As soon as I return I'll…
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Credit Search Appears Twice for Credit Card Application?
I took out an HSBC and NatWest Platinum in January - for some reason, both are showing as two searches on my credit file rather than once (NatWest twice on same day, HSBC twice within two weeks). Does anyone know why this may have happened? Also, as this relates to one credit card application (each), can I request that…
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Letter from Lloyds/Accucard
Got a letter this morning telling me that my Accucard with 0.5% cashback is being withdrawn and replaced with a Lloyds TSB card with no cashback. Accucard was part of the Lloyds Create cards. Are Lloyds withdrawing all of these I wonder? It's seeming harder and harder to find credit cards with cashback, although I'm…
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Egg 2.5% balance transfer fee
Recieved a letter recently that said the balance transfer fee is now 2.5% and it is uncapped. So that means no more stoozing :(
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Tesco credit card and club points
I've just read Martin's Best Credit Card Rewards article and wondered... do my club points accrued from my Tesco credit card default to redeem cash vouchers which come through the post (quarterly)? i.e. vouchers deduct points automatically (thus leaving me with less points to redeem my points in more valuable ways e.g. RAC…
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First Direct
Hi, My wife recent applied for First Direct e-savings account and we received a ketter today saying that it has been declined. I'm pretty sure it has been declined becuase she cannot speak English. Is this right to do? How can I take this matter further? Thanks SM
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Any corporate credit cards with good rewards ie. air miles?
Hi there My OH has a company credit card which doesn't attract any rewards. His employer is open to the idea of swapping to a card with rewards and I wondered if we could give them a little nudge in the right direction! Thanks in advance, ~x~
