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Help Me. I Have Sinned!!!
Hi. I'm new to Money Saving and want to sort out my credit card debt. I have the following cards: A Barclaycard with a balance of £3500 and a credit limit of £3600. A Capital One card with a balance of £631 and a credit limit of £1600. A Bank Of Scotland Card with a balance of £4100 and a credit limit of £4250. A M&S Money…
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Credit card charges
I'm currently trying to sort out my money, so have been making minimum payments on my 3 credit cards for a couple of months whilst I work out exactly what I can afford. I usually pay with my debit card online, and have a list of the payment dates for each card. I hadn't missed any payments until yesterday. I can't pay by…
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Balance Transfer Question
I have a Halifax credit card with 5K on it and I'm looking for a 9m 0% balance transfer deal. As with Martin's advice Great Ormond Street, Guide Dogs, Harley Davidson, Macmillan Cancer Relief, Mencap, NSPCC, RNID, The Scout Association. appear to offer the best deals without a fee but they are all HBOS. Does that mean I…
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Balance Transfer QUERIES
I have a limit of 4000k on barclaycard with a 10 months at 0% As i can only transfer 90% which is 3600k as i also have 3 months purchase at 0%. My question is 1 can i spend the 400.00 2, will it affect the 3600 transfer after the purchase rate as expired. How can i get the remaining out under the 0% deal Thanks
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Balance transfers
:confused: Hi i have been trying to balance transfer my cards over the past few months (tried AMEX& NSPCC etc.) to a 0% card however I keep getting a refusal about my credit limit. The most I have asked to transfer in one go is 5000 pounds (pound sign not working on my keyboard!) Does anyone have any advice as to how I can…
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Credit Card Cheques
I'm in a big mess with my credit cards I've been tarting for a couple of years and haven't yet managed to shake a £5,000+ debt 9m at 0% came to an end last month so I took up Halifax's offer of a 6.96% When I got my statement I realized that I had fallen into a typical trap. A couple of regular payments went through which…
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CRAPital One.....
I was going to post this last night but so bloody annoyed I thought better calm down first. I've been sorting out my credit cards, got rid of two this week all paid off and cancelled, which leaves me with three, and in doing so I am the best part of £300 per month better off, so as I'm getting married next year (again) I…
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1st credit card?
hi everyone, i want to get a credit card with my bank abbey. i'm not sure which to get and don't want the bank to know because they might trick me into getting something expensive. which would you suggest for me if i don't spend loads on it just small items? also , is there any charge if i pay the money back on time?…
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Time Limit For Charges?
basically last week we where on holiday in spain and we went on one of the arranged trips with my travel to go and see pirates in mallorca. for 2 of us it was €121. when we went to book they where mad busy and accounting for all their creditcard sales. they swiped my card in one of those machines over paper so it inprints…
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When is a month not a month? When it's an RBS month!
I opened an RBS credit card account on 25 June 2005, took their money for just under the advertised 9 months interest-free period, and paid it all back on 16 March 2006. That was well within the "9 months from the account opening date", you might think. But you would be wrong. Today I received a statement with some…
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Realistic credit limits...?
I'm looking to apply for a credit card soon. At the moment I have no credit cards but I DO have credit available. HSBC - £1500 overdraft (currently close to its limit) Store card - £2000 credit limit - will be £0.00 balance within the next month. As yet I've not got any idea how credit limits are decided so have no idea…
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applying for a credit card
hi i applied for a capital one card a month ago but they declined my application.i thought its easy to get one even if u have a poor credit.applied for a barclaycard and got it 2 months ago.but dont know why capital one declined the application.any advice to get another credit card no matter whats the credit limit is.cheers
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BMI Free flight miles
Has anyone else applied for the BMI classic card in the hope of getting a fre flight. i've had my card and Diamond miles membership activated but nobody's saying anything about 20,000 free miles! Thanks, Rob
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Barclay Card Protection Abroad
Hi wondering if any one can help me. My mum is currently abroad in Benidorm this afternoon she went off to purchase some cigarettes to bring home. The total cost was £800 the store swiped her card and said it hadn’t gone through so swiped it again and said it still hadn’t gone through. They then swiped it a third time and…
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Nectar card from American Express
Just got e-mail offer from nectar for their credit card from American Express. If you sign up for it through Nectar e-stores, you get 7000 bonus nectar points when you use it for first time......Not bad if you use it, get the points then bin it!.............Neil :D
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Close unused CC's b4 new 1 for BT? PLEASE CLOSE
UPDATED WITH MORE ACCURATE INFO Hi all, I have 5 credit cards, with a total of £17,800 credit available. I currently have £3250 on a Natwest Gold CC, at 0% interest, a promotional rate which runs out next year. I don't use any of the other cards anymore. I know that I should really close them, especially as none of them…
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Late Payment Charge....Just one day late!
I really need your advice about my Halifax One Credit Card. I received my statement on Saturday and was very surprised to see that I had been charged a £25 late payment fee. I couldn't see how this was right as both my credit card payments are met each month by a standing order everymonth for a set amount. On looking a…
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BMI Baby Credit card
I got an email from Martin on his "moneysavingtips" system and it mentioned the BMI baby Credit card with I think airmiles or similar (over and above what BMI were giving you) for taking out the CC. Unfortunately I now cannot find the article, can anybody give me the link or point me in the right direction? Thanks in…
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New job how soon can I apply for credit
Hi Guys! I've just started a new job but desperately want to apply for the bmi card with MBNA for the airmiles. I've two questions:- - How soon with a new employer can i successfully get credit? (I also want to apply for the A&L account) - I've been rejected three times for a virgin card in the last 18 months (last app…
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Paying off Virgin card
I am trying to make a debit card payment of 8K to clear my card, but I can't get their system to accept such a large amount. How did everyone else pay off their Virgin card online?
