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Capital One. To ditch or not to ditch.
I have had a Capital one card with a £200 deposit for some time now. Recently I tried for an ordinary HSBC card and was accepted. Now I'm not sure whether to cancel Capital One and get back my £200 or stick with them and use it to continue to build rating. :confused: Perhaps if I rang them and threatened to cancel they…
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Time to sort out my regular spending credit card!
I have sorted out my 0% balance transfer credit card thanks to Martin's advice which I am steadily paying off but I think it is time I sorted out my regular spending credit card in order to get something back! I am not loyal to any other company, so why have I been with Nat West for my credit card for the last 18 years?…
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Credit card cheques - name and shame
I have had a Virgin Credit card for approximately 1 year. They keep sending me credit card cheques. There are usually 2 on each statement, and then about once every 2 months they send me a letter containing 4 cheques. I have asked them to stop sending me these on at least 3 occasions, Most recently 2 weeks ago. I have done…
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Tesco/RBS - determined to make me MISS payments?
Hi All Just a comment really I'd like to know your opinions on it. I received my first bill for a new tesco card today. It's 26th Aug (Saturday) although the bill is dated 19th Aug (also a Saturday). They want payment by the 3rd Sep (a Sunday) First of all this strikes me as unusual. I also got my Virgin card statement…
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Egg as a Mule Card ! Is it over
I have used egg as a mule card many times- balance transferring money on to the card from other 0% Deals and then transferring the money to my bank account . I was careful to ensure no other spending on the card . Is this still possible for free or will they now charge a BT fee even though I would be transferring a…
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BMI airmiles - where are they?
Has anyone else gone for the BMI classic master card like to to bag the 20000 BMI miles and dosent seem to have received them? Martin says he has it in writing on his page on the subject but on logging onto their BMI homepage thing with the membership number they gave me, I seem to be sadly lacking in miles! Any…
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Ba Air Miles
Hello I have BA AIR miles and would like to no if i could use them for anything but air miles as i dont plan to travel. if so could anybody post a link. or tell me what they could be used for my card is an British Airways American Express. thanks paul.bug
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MBNA BT. How long?
Hello, Please may I ask how long a Balance Transfer takes and how straightforward it is? My MBNA Platinum card has a £6k credit limit it's balance is now £89. Over the last 2 years I've used this card ALOT, as in probably put about £25k through it. I don't pay in full every month. My highest balance has been about £4k.…
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Panic!!!Where can i get a credit card on the spot on saturady?
Where can i get a credit card on the spot on saturady? need to rent a car saturady but don't have a credit card!!! they don't except debt card. Arrrrrr anyone can you help Please. Sarah
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Making easy money from cashback credit cards???
Hi everyone After reading some of the threads on here in regards to cashback credit cards i was wondering how you can make money without "buying" anything. For instance there are plenty of betting websites where you can deposit money from credit cards. So if i was to deposit £1000 from either of the cashback credit cards…
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CC Help Needed
I have asked on another forum but am a little confused about what exactly to do next. My auntie lost her husband last week and he had 2 credit cards each with £1000 outstanding on them. They were in his name only but the house was in joint names. Now, she has spoken to the CC Companies and they have told her she will have…
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You don't ask you don't get!!
I got a Barclaycard Initial in October 05, complete with high interest rate. Due to my employer messing me about with my salary (long story), I had to spend quite a bit on my card. As a result it was costing me a fortune in interest. So, on Sunday I sent them a message via their site asking if they would consider reducing…
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Charges by Capital One
Hi, I was wondering if anyone has had any joy in claiming back credit card charges from Capital One...I reckon over the last 6 years they have charged me around a grand! Wouldn't mind it back to be honest! If anyone has, was it easy, hard, long winded etc??:confused: cheers!
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Northern Rock mortgage refusal
We have a mortgage with northern rock and applied for a new one as we want to move house. We had a deal in principle that ran out in july. We eventually accepted an offer on our house and went back to northern rock and we declined a mortgage. The offer in principle had run out by 5 days and they had looked on our credit…
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Newbie - 0% Purchases Card... Need some advice.
Afternoon all, First of all, what a fantastic helpful site! Thank you! I need to buy some new things, but I don't have enough money to pay for it all up front. If I got myself a 0% APR for 9 months on Purchases credit card, and spent £1000 on it. Would this mean I'd only have to pay £1000 within the 9 months and nothing…
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Scared to spend on CC
Years ago when I was 18:o I had a CC with a £500 c limit on it and I went mad with it spend spend spend to the point where I got in big trouble and had to cut it up and pay back fortunes. Not had a CC since until now, I didnt think I would get a cc but I have, I wanted it for 'just in case'. I now think about it and I am…
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I am sorting out my credit card balances today by shuffling but need help
Ok. Here goes. Balance one : 5504.06 on Barclaycard (most of it a balance transfer with a few purchases on it) Limit £6500. They are offering me 6.9% for life of the balance or 0% with 2% handling fee Balance two : 2118.96 with HSBC most of it a balance transfer with a few purchases on it) Limit £7500 they are offering me…
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Ge money cc card
good Morning all Have been thinking of applying for the 12 month 0%BT offer on the GE money card, however having read the posts on here have been put off by the amount of people turned down who seem to have great credit history. I have had a loan with GE money since 2000 and topped it up last year, but they gave me a…
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Complicated Balance Transfer
Not one to bore my fellow readers but a quick summary of my situation; Former International business specialist, worked in UK and USA (am a UK citizen). Have a credit card with a major US bank but want to tranfer balance on credit card to a low interest UK card to better manage acount and make use of preferential exchange…
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Currently unemployed but want to transfer balance
I have just returned from 6 months abroad and am searching for employment and wanting to transfer my credit card balance. Due to my employment status I seem to be unable to do this, is there any way round this? :confused:
