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Think i just messed up
I transferred £1500 from my HSBC card to my Nationwide credit card. Leaving my HSBC at £0, and my Nationwide at £1500. I thought it was interest free on balance transfers on the Nationwide card, but in my haste i mis-read its 0% on Purchases. At least i will be paying less interest. But As a student I do believe my credit…
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£20,000 on credit cards?
I require £20,000 to serve as an income for at least a year to help set up a business. It seems the best option is to use credit cards as they are most flexible and offer 0% interest on balance transfers for up to year after which minimum monthly payment could be quite manageable. Has anyone borrowed this much amount of…
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CARD REFUSAL :Excellent credit score, a thought
I was just browsing through the Credit Card threads, looking at the comments about card refusal to people with high income and good credit scores. I wonder wether some card are only targetting medium/low credit rated people, hoping they cannot keep up payments and continue long term paying the high interest. With the days…
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What Card Shall i use now please
Hi i have 3 credit cards, an abbey platinum with £500 odd pound on ,no interest free period left a marbles with £75 paying interest on this too A littlewoods one with nothing on What card could i apply for which dosent direct debit the money from your account but sends out invoices like the cards above do.I like to be able…
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Egg anniversary BT fee?
Hi all Does anyone know if egg have started charging a bt fee for anniversary offers for existing customers or is it just new ones? If so what % is it and is it capped? Thanks
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Whats the chances????
I have been trying to tidy up my finances (thanks to this site) and have noticed that i am currently paying 17.9% on my RBOS CC (current bal £9645) I have had this card since at least January 1999 and became a Royalties account holder in October 2000, and switched to Royalties Gold in August 2001 (for the free travel ins).…
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MBNA Platinum, balance transfer till sep 2007
Hi, Just got a flyer through my front door for the MBNA Platinum card offering 0% PA on balance transfers until September 2007. I've not heard of this company before so I'm just wondering if anyone else has any experience good/bad of this company?:rolleyes:
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monthly to annual interest rate conversion
My maths stinks. Simple as that. But I'm pretty sure that converting a monthly interest rate (as shown on my credit card statements) into an annual one for easier comparison (AER?) is not as simple as just multiplying it by 12 — compound interest being what it is, and all. Does anyone have a formula to convert monthly…
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Closing down credit cards
After deciding to simplify the number of credit cards I have got, I thought I would share how easy/hard it is! CapitalOne: Freephone number - got some hard sell about we can good deals etc. In the end managed to close it. MBNA: Freephone number - just had to press some buttons and hey presto, closed. egg:- done through…
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Insurance for purchases
My existing credit card, which gives air miles, has withdrawn insurance cover for purchases made with the card. Can anyone recommend a card that continues to offer cover. I pay my card off every month and so am not concerned with low or zero interest rates. It would be nice to earn some kind of reward however. Thank you.
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When does the 12 months 0% begin?
Hi everyone, Sorry for appearing dim but I am a credit card newbie. We have a GE Money Transformation card which we got last month and would like to know does the 12 months 0% begin from the date of your 1st purchase?, from the date the card is issued?, Is it 12 months 0% for every purchase and then you get charged the…
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debt headache
Hi Im just dont know what to do for the best at the minute , Were in £40k of debt again and this had been the 3 time we have re morgorgaed 3 times and have a huge mortgage and no equity in our property now and i find it a real struggle evry month to make my miniumum paymts . I aslo felt that as long as i could make these i…
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Fraud on 2 credit cards in 1 month!
In July a fraud attempt was made on my Natwest Visa card - Natwest called me to check some transactions as they looked strange - they had a failed attempt to take money from AOL which was nothing to do with me. They cancelled my card and issued a new one. In August a fraud attempt was on my Egg Mastercard. £400 was taken…
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Post Office Card
Hello All, I'm going to apply for a Post Office Credit card for a balance transfer, but I see they want the Card details that i want to transfer from, and the sort code, which they say i should find on my statement I have a Lloyds TSB card, but can't find any details of a sort code on the statement? I just want all the…
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Can I get a credit card now I'm discharged from bankruptcy?
Has anyone got experience of being accepted for a credit card application despite once being bankrupt? I've been discharged from bankruptcy so am allowed to apply for credit. I need a card by November in order to be able to book travel etc. for a band tour I'm organising. To be honest, I don't mind what interest rate the…
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Anyone found a worse card?!
I've had a application sent through 'offering' me the chance to apply for a Vanquis Card (http://www.vanquis.co.uk/home/home.aspx?ref=GO_AT&affid=vanquis,card), with one of the cards having an enviable rate of '39.9% APR or 49.9% APR variable on purchases'!!!! Has anyone else had such a fine opportunity to get into serious…
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Closing all my cards
I need some serious input on this subject: I have mbna credit card lloyds cc barclaycard cc egg cc and a loan with Northern Rock These are all UK based cards etc. I have been meeting all my payments on everything but now I dont have money to cover my personell expenses. I only have a pension as income with no assets or…
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Does having fraud commited on my card count against my credit score...
Hi, My apologies if this has been answered elsewhere on the board but I couldn't find the answer to this by searching. The other day I was making a purchase from a store at my local shopping centre and the cashier asked if I'd like to open up a store account. If I did I'd get a small discount on the cost of the items…
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GE Money ignored me, but did they credit search me?
Hello, I wondered if anyone had any experience of this specific thing which might save me applying YET again to look at my credit file.:rolleyes: I applied online for the GE Money card on 6th August (a Sunday). I got an automated email thanking me for my application, and saying I'd get a decision on the next business day.…
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2nd card
I have an IF Card (from Halifax) with a limit of £600 I have had several offers of the high-rate cards which I've ignored, but have now had one from MBNA re-considering their offer and offering 15.9% typical Their BT are 0% until Sep 2007 but is their fee charged as a purchase meaning that it will sit and accrue interest…
