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best card?
what's best card for extended warranties, 0% on purchases and which also gives you most cashback or decent freebie.
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Old credit cards
I've read the book, but lent it to my brother "no chance of seeing it ever again" when i've finnished with the credit cards "ie there starting to charge interest next month" should i pay it off and close the card, or should i keep the card and not use it ???
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Using a debit card abroad
Is there a charge to use your Barclays connect debit card abroad? and do you have to notify your bank so they can flag your account, to authorise forigen transactions.
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Refused Card - Worth an appeal?
from reading around the forums, i came across someone who said they were initially truned down for a CC, but wrote to the company in question, and then ended up with a CC with a decent limit on it. and i know its bad to keep applying for different cards, as all the credit checks show on your credit report, is it worth…
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Credit Card for newbie with no limits?
Fairly quick and straightforward question... (i think) Is there many credit card companies who will allow a newbie to make a first transaction of around £1,200 - if I could provide proof of repayment source within a year? Was going to meet with my own bank, halifax over the possibility, anyone know my chance of success…
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Can personal loans be tranferred to credit cards?
Hello all, was wondering if anyone here knows of a 0% bt credit card that allows you to transfer a loan instead of another credit card balance? Have spoken to a couple of companies ie.HSBC and they say i can only pay the loan off with a cash withdrawl which after the 2% handling fee would then incur interest at the cards…
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Alliance & leicester
I had 9 months 0% on this card with a credit balance of £7,500 and did a balance transfer of £5000. With this months statement I got two credit card cheques and would like to know if it is safe to use these for up to £2500 for the remaining four months of 0% without any penalty or interest payments. My thanks in advance…
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What to do with an unused cc???
Hi Last year I took out a virgin credit card with 0% bt to get out of debt. :rolleyes: It has been paid off ages since an has remained unused. Am I better making 1 purchase so have used it for a new purchase?:confused: Just keep it "in case"?:confused: Cancel it?:confused: I am thinking of getting a cash back card for use…
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Beginners card credit? Which 1
I have never applied for credit before. I was just wondering for a first time credit card which is the best to apply for, in terms of getting a reasonable limit. I'm 22 years old, income of £5kpa
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refused cahoot credit card
hi i recently applied for a cahoot credit card online and was turned down even though my credit rating with experian is 996/1000 and payments never late. will the fact that my wife has a scottish trust deed effect the decision of the lender. i just wanted to transfer morgan stanley balance to 0% apr card. any advice would…
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Are Credit Cards Safer to Use than Debit Cards?
My husband and I recently had a bad experience when his debit card was cloned and a large sum of money removed from our bank account. We had thought that we were covered against all sorts of card fraud through our Sentinel insurance policy but we were wrong. Sentinel refused to pay out because our card had been cloned and…
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Balance transfer question
Simple question: If you open a new credit card account and wish to take advantage of their balance transfer offer for new customers, can you do the balance transfer to someone elses credit card? (ie wife, girlfriend, brother and so on). They normally just ask for the credit card number so I don't see why not, but if anyone…
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HSBC - 12 Months 0% BT
HSBC have doubled the length of their 0% BT card duration to 12 months (but reduced the 0% on purchases duration to 3 months). Key facts: 0% for 12 months on BT's actioned in the first 30 days. 2% uncapped BT fee. 0% for 3 months on purchases. 3% minimum payments. Details at: http://www.hsbc.co.uk/1/2/personal/cards-home…
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cc payment protection?
i was encouraged to take this out, now realise it was a totoal waste of money. cannot find out how to cancel it quickly. please help thanks - hsbc
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about to ask HSBC to reduce rate - help!
I am about to ask HSBC to reduce the rate on my card, the balance is maxed out. Barclay card have already offer to take this balance transfer, but I my barclay card only has a couple of hundred pounds on it which I will pay off next month and intend to close the card to try to improve my credit rating. am I doing the right…
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interest or not??
just a quick one, I have a 0% cc on purchases. if i phone up and pay our next catalogue balance with it does that count as a purchase or will i be charged interest on it. thanks
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Halfords CC?
Anyone else been vexed by inept credit card sales people in Halfords today? I was in two Halfordses today (yes, I know how to have a good time) and in each one I was greeted by a young person who eventually turned out to be flogging some sort of MBNA CC. The first one was an African lad who would only mumble his way…
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Newbie to credit cards HELP!
Hi! New member here looking for some tips and advice on credit cards.. Here's a little background info on my money situation. I owe around £800 to family (mother and brother) and I would to get these debts paid off ASAP because they have been dragging out a fair deal. So I was thinking if I use a credit card to pay for…
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TSB Trustcard points
Anyone have any details on Trustcard points. I will need to cancel my card soon and dont want to waste them. I did not keep my last booklet, and can find nothing online about what they can be used for. All my branch do is give me a helpline, but I want to look at a list of offers!
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'The most generous CC rewards scheme in the UK'?
Hello, I am a huge fan of loyalty cards/points, and also a Lloyds TSB customer. I would like to apply for their American Express CC - but is it really 'the most generous CC rewards scheme in the UK' (as they call it)? I've searched on Moneysupermarket, and noticed this card is not in their top 5. 1300 points for a £10 high…