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CC v Repayment Account
Hi Just had a call from one of my CC companies offering me a repayment account. Not heard of this before - has anyone else? I am nearing my limit (£6000) on my CC and paying 15.9% purchases and 21% cash advance (have transferred as much as I can onto two low LOB cards and can only make min payments each month i.e. it's a…
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Post Office Prepaid Visa Card
Hi I saw on telly the other day, a prepaid visa card from Post Office. I tend to travel a lot due to work and am not keen to hold too many currencies. I am also not eligible for Nationwide credit card which has no charge for spending oversea. In addition, I also like to shop on the net. I don't like the idea of keying my…
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how do i make payments to lloyds tsb card?
my accucard has just been replaced with a lloyds platinum card - but no mention of where to send manual (e.g. internet banking) payments... does anyone know?
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Capital One's underhand tactics
In 2001 I was coming to the end of the first year of my college course and had just turned 18 so decided to apply for my first credit card. I chose Capital One since that was the easier to get at the time and they supplied me with a Classic Mastercard with a Stonking 29.9% APR and a measily £200 credit limit. :mad: Anyway,…
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MBNA 0% offer
I thought that I would log on and share this with you, as I hope that I've just managed to save money!!! I have two MBNA accounts, one was a straight forward account and one was a MAG card (Motorcycle Action Group). I paid off the MAG card in March 2004, and decided not to use it again - which I haven't. Today, I got a…
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No more balance transfers with AMEX
"From today the company will no longer offer the debt-shifting facility to new customers, concentrating on people wanting to use their cards to spend money." http://news.scotsman.com/uk.cfm?id=867312006 What would happen if all companies did this? Would everyone who had a credit card be forced to keep the money on it until…
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Which credit card to keep?
Dear all, I have the following credit cards: Cahoot - Opened 1 month ago, never used, around 11% rate Egg Card - Opened 4 years ago, never used (so managed well!), around 16% rate First Direct - Opened 3 years ago, managed well, around 15% rate Egg Money - Opened 1 month ago, managed well, around 16% rate My question is, I…
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Warning: 0% promotional rates can be retracted on late payment
Hi guys, I tend to read more than post here but something happened to me the other day that made me want to post a brief warning. I tried to have a look to see if anyone else had posted this but sorry if I missed it. I recently discovered that if you make a late payment with this card, they will remove your 0% deal and…
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am i being scammed? please help! (sainburys credit card)
I applied for a sainsburys credit card yesterday. I received a phone call just now to say I have been accepted and my details are fine, after answering a couple of questions regarding my application like password DOB etc (the caller asked me so unsure of how much he knew himself). The caller told me to send a current bank…
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Barclaycard. Closed Account. Strange Practice?
I closed my Barclaycard a while ago as they stopped giving Nectar points. I wrote to them and got a confirmation letter back. Much to my surprise I got a statement in the post last week with a transaction on it. After querying it with them I got the following reply........ Well, I thought that closed meant closed, but…
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APR of an egg anniversary deal?
Hi, egg are offering 0% interest fixed until 1 November 2006 on any balances transferred from now until 30 June 2006...but they charge 2.5% uncapped transfer fee. For comparison, how much would this 2.5% equate to a 12 month % interest rate?...a rough guess from me is 7.5%??? Cheers
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if you get rejected,does it show up onyour credit score?
Hi all, if you get rejected does it get shown on your credit score, have never had a credit card before soi belive this is the reason why and i am only 18., deciding to get one to increase my score for a foture morgage, but i want one with 9 months interest free and plus. im not really bothered about the limit really, £500…
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GE Card 0 % Card Just Been Rejected
A strange one this - Just been rejected for the first time with the GE card 12 months interest free etc. Really can't understand why, because I have my Experian file which has all +0 and:- 1) Full time work 2) Mortgage owner 3) On the electoral roll 4) Earn over +£40k I will appeal, but in the meantime I am concerned that…
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Chip and PIN scams highlighted
ITV News today: http://www.itv.com/news/index_f22cdc956e83585c7e1c4b38ca904ee6.html When oh when are the card industry going to come clean and say anyone can have a Chip & Signature card if they want one!
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Upper Limit on Morgan Stanley Cashback?
Hi, I was just wondering if anybody knows - is there a limit on how much cashback Morgan Stanley will give? I'm considering moving some of my bills onto "continuous payment authority" (i.e. from the CC) to increase my cashback. Any comments appreciated!
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co-op credit limit matching
Hi, Just been accepted for the Stroud and Swindon (Co-op run) card. Got credit limit of £1,000 was looking for £6,000 which would pay off my M&S balance (0% due to run out in 4 weeks). Lady on customer services says they I need to send in payslips and M&S statement and they will consider matching the credit limit. Has…
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Virgin CC - 0% offer Extended
I already had Virgin CC 9month 0% offer. This finished a few months ago and have had a nil balance since then. HAd askedwhat best offer was a coupelof months ago but was around 4.9%. Called up today and was told officially the offer was 4.9% until end September but asked how much I wanted to BT and they would try and…
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Purchasing currency on credit card...
Ok, heres the thing. I need to use my credit card to buy my currency for holiday. I have the BOS charity card thats 0% for purchases and balance transfers. Is there anyway I could buy the currency and it count as a purchase? Or would it even be possible for me to purchase the currency on an old card, and do a balance…
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Lower interest rates... .
I can't get a new 0% credit card so my current plan is to try to lower the interest on my current cards. Currently the interest rate on my HSBC one is 14.9% and Capital One is 15.9%. I owe £2000 on my Capital One and £300 on my HSBC one. I've had a current account with HSBC for over five years, and just wondered whether…
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Poll - Amex Did You Get To Do A Balance Transfer
I have been hearing a lot that Amex are refusing Balance Transfers on their cards, what I want to know is how many of you have been successfull in doing a Balance Transfer.
