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Amercian express cashback
Hi, apologies if this has already been covered elsewhere - I've seen various ramblings about recent changes to Amex cashback but nothing that quite seems to answer my queries. I am the holder of an Amex platinum card and have been for about a year and a half. My typical annual spend is about £9,000 which makes it a…
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Getting Cash From Cc
Excuse me l am a newbie moneysaver.I have been reading with interest some threads on how to get cash fom your credit card. I have a mastercard with Natwest which l took while l was a student with a limit of £500. l have cleared the balance and l have moved my current account to HSBC where l have been offered a new card…
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Best 'Emergency' Credit Card?
Hi, 1st time post. I've recently become debt free (thanks to a nice redundancy package). It feels really good! After paying off all of my credit cards, I have kept one for emergencies. But I now think it would be better to close it (BOS 23%APR) and get a new one. Question is, what is the best card to sit on that probably…
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Freezing Interest - Help!?
Hi, I want to write to my credit card company and ask them to freeze the interest and charges on my account. I have a £2000 limit and due to a few months of unforeseen expense I’ve missed a few payments and the interest and charges have taken me over my limit and its starting to snowball. I want to get the debt paid off…
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Virgin CC - Change of Payment Date
I am sure that Virgin are trying there best to make be default / miss payments or make late payments! a few months back they tried to put up the APR to 24.9% :eek: When I took out the card it was at 15.9% APR with 9 months 0% on BT and Purchases. I MAXED the card over the 9 months. I am convinced that they have calculated…
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Zopa
What are the people's experiences in lending money via ZOPA.
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Best CC for international use
Does anyone know if their is a better card than the Nationwide Classic Card for use in America? I want to use it for family holiday purchases then close it down afterwards (once the 0% has ended). Ta
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Amex - won't let me do a transfer without an offer??
I was a little surprised today when I called Amex to do another transfer to my card. I applied and received it in May, I'm still within the 6 months introductory rate for transfers, so have been using the card soley for this purpose. Only today, I rang up and wanted to do a transfer (perhaps my fourth transfer), and I was…
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MBNA Pin arrived - not applied
The post has just arrived with a PIN from MBNA, addressed to my old address (we have the mail on redirect still). Thing is I haven't actually applied for one. I spoke to my FA about applying for a Conran card last week, but haven't signed anything yet (that I remember), and I would have thought if it was that it would be…
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will pay entire balance off each month: which card is best for me?
this is my situation: i want a card that protects me on line, a card that allows me to send purchases back to the retailer without any penalty (within a reasonable time i understand of, say, seven days); i will be paying the entire balance off each month; i am not using the card to purchase items i cannot actually afford…
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can they do this?
I wanted to close my credit card account as I found the staff of the credit card company very unhelpful. My problem was that I gave my details to a service provider to pay for a 3 month period for use of their product, and no more. However, at the end of the 3 months the service provider took another payment from my…
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My 15 year old son sent Barclaycard Platinum Credit Card Application
My 15 year old son has just been sent a credit card application! It is from Barclaycard for a Platinum Visa credit card. (offering 0% on Balance transfers to August 2007) this is the first time he has received junk mail. 1 month ago we opened a Halifax bank account for him, and this is the only thing I can think of that…
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How long before you can apply for Egg card again
Cancelled my Egg card in April, but wouldn't mind applying for one again to take advantage of the cashback offers, especially with Dixons as they seem to be the cheapest for a digital camera I'm after. I seem to remember the customer service lady telling me it was a year, but nothing is stated in the cancellation email…
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Ladbrokes .... deposit and in-shop withdrawal?
One of my egg cards is due to go up from 3.9% to 15.9% at end beginning of october however I see egg money are going to be applying a 2% fee for gambling transactions from sept 1st. can anyone verify they have had no problems depositing around 1.5k into ladbrokes and going into a shop and withdrawing it?
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How often do experian update your report?
I'm subscribed to credit expert, but so far they've not updated my file since 9 July! It says they do this weekly. Also there freephone number is out of service. Anyone know of an alternative number? Thanks
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Asda Credit Card
For those that shop at Asda on-line or fill up with fuel at Asda petrol stations, it is worth getting an Asda credit card provided you pay it off in full each month. If your internet shopping bill is over £50 and you pay with an Asda credit card you get free home delivery, when filling with fuel the card gives you 2p a…
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AQUA credit card
Having a much less than perfect credit record and needing a card for business trips I applied for one of these and was promptly turned down, I was shocked, especially after reading that they lend to almost anyone, I have recent copies of my credit reports which list two defaults (due to drop off next month) and a CCJ which…
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advice needed on next step
I have 2 cards at the moment and want to get the balances cleared asap. HSBC 21.9% bal £9645 Limit £9900 RBOS 17.472% Bal £9980 Limit £10000 I am able to make the minimum payments (just about) currently £299 & £225 but obviously the interest is too high. I have been accepted for Sainsburys Flat Rate 5.94% BT for life but…
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Credit cards that offer statement downloads
Hi.. Im in the process of a total revamp of my finances after discovering MSE:money: Im busy beavering away at consolidating my debts and have just got meself a virgin card to BT my cahoot and mint cards onto... Now i need a card i can use for spending on... does anyone know which credit cards support statement…
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I think I have made an expensive mistake - Egg!
hello. i got a new 0% card from the BoS and wanted to transfer its balance to my Egg money card. i used the admin area in egg money thinking that i was transferring money IN TO egg money. i then found my new BoS was in credit and my egg money was in debit, you realise i did it exactly the opposite way around to how i…
