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Interest Rates Doubled!
This week I got a letter from Goldfish who've recently been aquired by Morgan Stanley. The letter stated that my interest rate was going to increase from 9.9% per annum to a whopping 21.9%!!! Needless to say, I've since called and closed the account. No way am I going to pay an utterly uncompetitive rate for credit, never…
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Should I Go For A Mortgage or Credit Card?
Hi there, I am looking for some advice. I own my own home and will have paid off my mortgage in full within the next 5 years. My husband and I have been thinking for a while about buying a rundown property, renovating and selling at ( hopefully ) a profit. We have found a good buy but need a loan of £60,000, the rest we…
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Where is grumbler?
Hello, Long-time reader and part-time poster here. And one of the most prolific and helpful posters over that time has been Grumbler. He never failed to offer sound advice, and clearly had an expert analytical mind too. Yet I notice that he has gone. Where is he? I hope he is in good health. Nick
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a good Visa credit card?
Can anyone recommend a Visa credit card? I want one to use exclusively for online casinos & betting sites. It doesn't need a high limit (a few hundred will do), and the interest rate is irrelevant, as I'll be paying it off in full each month. I already have a Mastercard, but have heard that Mastercard is not always…
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The best deal?
have a Lloyds TSB card which took over, a year or so ago, from the Texaco card which I only used for the low interest rate, to pay off an existing debt. I now have a balance of £1750 and have never spent on this card. I have had a letter today saying that my monthly interest rate for purchases will now be 1.140% (14.880%…
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Barclaycard credit increase
Has anyone applied for a credit increase for their Barclaycard after a few months? I've had mine since april, but want an increase from £1600 to £2000.
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Soooooooo angry
Got home today to find a letter from our Natwest CC. We missed this months payment, i hold my hands up to that and have just paid it today, only a few days late, but i know not a good thing:o Anyway aside from saying that we haven't paid and must straight away there was an attached letter which said............. That they…
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My increase on my egg card is to go up by six per cent.
I've just got an email saying they are increasing my rate from 15.9 to 21.9 that's scandalous. Problem is I have a fraigle credit file. Does anyone have a suggestion on how I can transfer my blance (about £5,000) to a nother low interest card. I'm in shock. Egg use to be the cheapest.
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Leeds BS Credit Card - Can they do this?
I have a Leeds Building Society Credit Card, operated by Morgan Stanley. Up to now they have offered 1% cashback on the first £2000 spend during "your" year, and .5% on the rest, with the bonus paid around your anniversary. My anniversary is December 15th. Today I've received a letter saying that the cashback is changing…
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Interest help
I've got £850 (purchases) on a Egg card that I've just BT'd across to my Barclaycard as the purchase rate of 0% was about to end. The BT was fees free and the rate is 6.9% life of balance. If I shift that back to the Egg card, I have a further 3 months left to run of their balance transfer period (purchases 0% was 6…
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Barclaycard & Sainsburys CC
Does anyone know if these Cards treat Gambling Transactions as Cash Advances & therefore charge you a fee?
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Barclaycard & Sainsburys CC
Does anyone know if these Cards treat Gambling Transactions as Cash Advances & therefore charge you a fee?
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Interest??
I rang several credit card companies on 25th August 2006 for settlement figures which they gave me. I set up these payments to be paid directly from my bank account (set up on friday 25th) When i have checked the balance I have noticed that all but 2 of the card accounts now have balances of £0.00, but the other 2 card…
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Using credit cards to start a business?
Hey, recently I've been thinking about using credit cards to start my own business. I'm thinking about getting out 10 credit cards with a £5000 limit. This will give me £45000 to start my business. I will ask each card to be paid off at specific dates throughout each month. I can transfer the extra 5k between them and keep…
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Morgan Stanley - Cashback Qs.
I have now had the said card for just over a year (anniversary date 23rd August), and therefore I believe that I should be shortly receive just under £100 cashback (whoo-hoo!!). My questions are: 1. Do I have to do anything special to receive this cashback (for example, contact them and ask them to send it) or do I just…
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GE 0% credit card
I tried for a GE Transformation credit card and was refused due to data provided by one of their credit rating companies.I was very annoyed by this as I have no outstanding debts and reasonably financially stable. I am in full time employment too. Does anyone out there know why these bad credit ratings come about when you…
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Macmillan cancer support credit card
Bank of Scotland has transferred all of its rights under your credit card agreement to MBNA. Consequences of this action min payment reduced,be aware,less to pay each month ,but they get more interest BT to another MBNA card might have problems ,needs confirming . Will it be possible to BT to a Halifax card ,they are part…
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Credit Card Cash Advance Rate
I have just had a letter from Lloyds TSB informing me about the changes to their Platinum Credit card. It says.. 'We are making an important change to your Platinum Card conditions which mat affect the way you manage your account. So, please take a few minutes to read though this important information. We are changing the…
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BA American Express Balance Transfer Con
I recently got a BA AMEX card offering balance transfers at 4.9% APR for the life of balance if they are made during the first 6 months. So I arranged a transfer and was lead to believe it went through ok. Today I received a letter saying the balance transfer was declined!!! I called the call centre and was told that I…
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Late Payment That Not Your Fault - Who's To Blame?
Firstly, let me apologise my (first) lengthy response but I need some advice about a credit card issue. Here goes…… I have been winding down my credit card debt now for the last 5 months now using one of the 0% interest BT as recommended on this excellent site. However, I have come across a problem that I need advice on.…
