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Credit Card payments
I have recently tranfered by credit card balance from a Royal bank card to Intelegent Finance.3 working days before my payment was due to IF I phoned IF to pay over the phone using my Debit card, only to be told that I can only use this method of payment if my payment is late.! As a online transfer takes a week how can…
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building credit
i have had poor credit in the past but spot on for 2 to 3 years , i moved house 6 months ago , ive had a capitalone card for about 18 months i paid £200 for the card and got a £200 limit but after 8 months they upped the credit to £400 , i use the card every month spending between 100 and 350 a month and alway pay it off…
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How I Lowered My Apr!
i have 2 cards with high apr, my credit rating was not bad but i was only offered , barclaycard initial and capitalone classic, both of which have real high apr, barclaycard 27.9apr, limit 1500 had 3 years capitalone 29.9apr, limit 1500 had 1.5 years i have a good overdraft of 2000 , so i paid both cards of with my…
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credit card freebies
When I first using this site a few years ago there were some good credit card freebies posted. I didn't order too many -didn't want to affect credit rating. I did get 12 bottles of wine and a free dvd player. In both cases the freebie required one purchase on the card. I put a tank of petrol in the car in each case, paid…
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Best card for transfering money to bank?
Hi I was just wondering which card there are out there which let you do a 0% balance transfer to your current account? I was thinking of changing my loan and adding £1000 to it but seem pointless if I can do it this way.
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Minimum Payment Question
Hi, I regularly use this site to get the best deals but have never registered for the Forums and something came to mind the other day when I received one of my Credit Card statements and I thought - MoneySavingExpert Forums would be the place to find my answer. Anyways here goes... I am currently using a 0% Purchases/BT…
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Banking in Canada
I'm hopefully moving to Canada for a year and I'm hoping I can continue using my current bank and credit cards (both N'wide) without having to switch to a local bank. I understand N'wide currently don't charge anything extra and as long as I always pay in the local currency I won't get stung. Is this correct or would I be…
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Using Credit Card on Deferred Vehicle Payment
My OH has had a car for 3 years with one of these deferred payment deals, where you have an outstanding balance at the end of the term to either purchase the car outright or you give back/trade the vehicle in. She wants to get out of this deal by paying off the balance and keeping the car, putting her in a stronger…
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Failure to respond to request for credit information
Hi folks, you may remember that i posted a while back to ask about the procedure for getting my credit report adjusted. I wrote to Vodafone who removed the default on my account. However, I wrote the same letter to AMEX and it has been a month, still no reply. What should i do? I didn't send it by recorded delivery so one…
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Improve Credit Score
Hi, I have only just registered to this forum. I have a few questions that I would like to ask and I would appreciate any information that anyone can provide. I have tried applying for credit cards about 8 times and all have been declined. I have not heard back from Vanquis, I applied for this card on 19/07/06, I am not…
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PPI with Cap 1
This is my first post on this site, but have been a fan of Martins for ages. Does anyone know anything regarding a article I read in the Daily Mirror on Monday the 31st July. Capital One have failed to send 100,000 customers a copy of the terms and conditions for their payment proctecion insurance, and this was a legal…
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Credit Cards for Sales Reps?
Hi all, I am an area sales manager for a construction company, I stay away quite a bit and usually have lunch with clients on a few occasions. I have £1300 of previous debt on my Alliance and Leicester (MBNA) credit card but I also use this as my "expenses" credit card for work. This changes a lot, like last week my…
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extend your 0% with existing c.card.company
sick of shuffleing debts and applying for new cards? my 9 month 0% period was running out with my virgin credit card so i asked them if they could agree to a low- life of balance- rate to keep my business-they said they could not and the balance would revert to 15.9 next month. they did however offer that if i could clear…
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Good Score - Credit card rejected
Hi, I was rejected a credit card from Egg and Lloyds recently so I checked my experian credit report which gave me a Good score (896/1000). I just have one credit card with £250 and never missed a payment or was late. I need one more card, Please advice what should I do? I have already appealed but the reply was negative.…
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Nationwide B.T
Hello Just got new nationwide cc with 4.9% for 12 months on B.T. Credit limit is £3000. On log in to website says I can do a BT upto my available limit ie £3000. Surely if I transfer full amount I would go over my limit due to interest charge. Cheers Mark
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Mint card warning
closed my cc with them in june paid the full balance off. however there system took £186 off my current account via direct debit yesterday. whoever closed my account down forgot to turn a switch or there system is screwed. strange that my balance was zero but they took £186. I spoke to a nice lady on the phone she said…
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Asda Credit/Storecard
:cool: Hi All. I don't know if anyone else has come across this one, I was reciently in my local Asda store and was offered their Storecard. Yeah Yeah your all gonna say, but the thing that interested me was: £5 off the first shop (minimum £50 spend) which I used straight away on a normal weekly shop, 2 pence off every…
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help with amex nectar
i am have been trying to save money and since there's no sainsbury nearby i never thought about nectar card. looked at their website but they same to have amex nectar as well. is nectar card a loyalty card just like tesco's or is it a credit card? please help... i don't want to get in more trouble than i have…
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Credit/Debit Card Insurance against fraudulent use
Hi Guys I'd like to know if many of you take out insurance on your credit and debit cards to protect against fraudulent use? If so who do you use and is it possible to get cover that covers all your cards. I've got quite a few cards and indulge in matched betting so lots of interent betting accounts would have my details.…
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Credit Searches On Different People At Same Address?
Hi everyone, My mum has recently had a couple of credit searches for a remortgage and current account and has also had 2 other searches earlier this year for Credit Cards (to balance transfer at 0%). Now I'm thinking of applying for a credit card and my brother is also. As we all live at the same address does the amount of…
