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Which current a/c to use on applications?
Hi y'all, The situation is - my 2 bank accounts are one with Nationwide (basic Flex account with cash card only since December 2005) and one with First Direct (since June 2006 - this one has overdraft of £500 and Maestro debit card, my salary goes into it and then is promptly moved to the Flexaccount because of the better…
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First Direct Credit Increase Declined
I have had a FD current a/c and cc for approx 13months, I don't use the current a/c that much just the odd Bill Payment and wages arent paid into it. I use the cc probably 3/7 days per week, and usually settle the bill at the end of the month. As I wasn't been offered an credit limit increase, i decided I would apply…
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Are Egg being fair by applying interest to balance transfer fees??
Has anyone heard of the following treatment re balance transfers? I took out an Egg card for 0% on balance transfers till 1st Oct 2006 and 0% on purchases till 1st Jul 06. I only made one balance transfer and have made no purchases on the card. I was therefore surprised to see interest being applied from last month. When I…
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Stb
Hello. Does anyone know of any free STB cards still available? Tim
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ASDA Credit Card
If you shop for groceries online the Asda card is a good deal. If you pay for your delivered shopping using the Asda card the delivery is free, saving youy £3.99 per week! In addition you will save 2p off every litre of fuel by using the Asda card. Sounds a good deal to me, what do you think?:beer:
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Credit Card Noob.. Needs Help!
Hey all! I'm looking at getting my first credit card but I'm getting a bit confused. Basically I'm wanting to buy a new PC (Blew my last one up), I can't afford to buy one out right. I'll be building the machine myself and will be spending £300 max. Which CC would be best for me? I'll be wanting to pay about £50 each month…
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Holidays and credit cards
Hi, Potentially stupid question coming up! We're due to go on holiday in October and are going on a cruise. We are intending to take some cash (euros) and will use our onboard account to pay for any other expenses on the ship to pay it off at the end of the cruise on our debit card. What I'm wondering is whether it would…
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Debenhams issue Credit Card despite cancelling
Hi, I know there are existing threads from end of last year about Debenhams issuing credit cards (converting storecards) if the storecard user didn't do anything to stop them. My wife got one of these letters saying they were going to do this with her storecard about three or four months ago. Fuming a little (I remember…
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What are RBS limits like?
Just been approved for the RBS card what are there limits like? anyone know. I know they run both MINT and TESCO which seem to be a bit stingy but are RBS as bad. Thanks Rupert.
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Consumer Credit Act refunds
My broadband supplier seems to have gone bust and I'm looking for a refund from my CC. Due to stoozing activities I used a card that is now closed. Does this affect my ability to obtain a refund? How much am I entitled to? I paid £240 (up front) for a 2 year contract that I'm 9 months into. Could I get all the unused £150…
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Halifax won't let me do a Balance Transfer!
Not sure if anyone else has come across this problem: I recently applied (and was accepted for) a Halifax credit card with a 12 month 0% BT promotion. I phoned them with the intention of transferring my MBNA American Express balance over to them, but they said that they won't accept Amex balance transfers??!! They will…
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Marks & Spencer's Slight of hand??
I'm new here so hello to you all. I have something to beef about the way Marks & Spencer for no apparent reason reduced the interest rate on their 'Mature TESSA' savings account by 0.25% only weeks before the Bank of England raised interest rates by 0.25%. Of course they then put the 0.25% back on so guess what they…
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Questions about a credit card app
im in the middle of writing a supporting letter to go with my application for the tesco clubcard credit card. i applied online for it back in november 05. the forms did not distinguish between a student, and a student who works, so they rejected me. i appealed, showing how my income was actually double what their form made…
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Cash withdrawal, advice please
I had to make a cah withdrawal on my cc yesterday, first time ever. I know that this will be at a higher interest rate, How do I clear this specifically off my card? I dont clear the balance every month.
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Credit Card Refusal
I've just been refused a credit card by GE after following a tip from Martin's web site, on best cash back card. I've never missed a payment only have two credit cards, always pay them off monthly, have a decent income and no risk to the card companies. They must make money through my spending with retailers, so what can…
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Cashback and web security
I am looking at getting a cashback card but most of my credit card spending is on the web. Cahoot have a virtual card facility called Webcard which allows purchases on the web using a masking card number for their cards. Having been burned before by fraudsters, this has proved to be a brilliant tool. Do any of the cashback…
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New to credit cards. Need advice please.
Please excuse my dumb ignorance and possibly bad spelling.:rolleyes: As I have mentioned in another thread..RBS have OK'd it for me to have a credit card. I dont know what one yet or what the limit is. (will find out later today). This will be my first CC.:eek: How do I use it without getting in to more debt ...is that at…
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Help with an Egg card question please
Hi, I am hoping someone can help me here please. I have just balance transferred 4k from my american express card to my standard egg card which has an interest free debt of 2.5k. Am I correct in saying that having a 1.5k positive balance on the egg card that it would be possible to withdraw it through a cashline for free?…
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GM Card
Called into my local Vauxhall dealer today & found an advert for the GM Card, 14.9% apr + 75 reasons to apply (they credit your account with £75 when you make your first purchase). OFFER ONLY AVAILABLE FROM A VAUXHALL OR SAAB DEALERSHIPS!!! MUST BE APPLIED FOR THROUGH THE DEALERSHIP!!! Ends 30th September Nothing on the GM…
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Potential problem with employment/income and card application
My work situation is fairly unique in that I work for 3 different companies, am on each of their payrolls seperately and have worked for them for different lengths of time. Now I stopped working for Company A back in April. I had been working for them for 5 years and stated my combined salary from all companies as my…
