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Can Cap 1 renege on a life of balance deal??
I've had a life of balance transfer deal with Capital 1, 0.323% a month (about 3.9% p.a. I think) since Feb 04. Have never used the card and just kept paying off the £5,000 balance. All was well till August this year when Capital 1 wrote to say balance transfers were going up. I rang them to say "wait a minute, what about…
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Double your cash back on Skycard!
Hi, not sure if this has been posted before (aplogies if it has) anyway skycard give you 1 point for every pound spent normally to be used for money off you sky tv bill (1 point = 1p) well they allow you to transfer the points into pounds to be used on the SkyBet website but at a better rate (eg 250 points becomes £5). You…
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Morgan Stanley Platinum
I've been trying in the past couple of weeks to sort out my CC situation and get lower interest rates.My intention is to get the balances cleared asap. Currently I have the following balances: RBOS MCard 17.9% £9916 Limit £10000 (Currently challenging rate as I am Royalties Gold customer - should be 14.9% *backdated*) HSBC…
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Chargeback from Credit Card
Hi, I'm looking at buying a mini cooler but from looking at some threads on here (took ages to search :o ) I notice that the official thing is that for the Section 75 act to apply the purchase must be over £100. However, I'm buying it for £99 :wall: so does this mean I will have no additional protection or can I still get…
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Not another vanquis credit card Question.
I know there are members out there that will be screaming "Oh no not Vanquis" :mad: CALM down its only a question. :D I would be intrested to know have they ever turned anyone down for one of thier infamous credit cards? :confused: Have YOU applied and been refused. Oh by the way im not thinking of applying. ;) It does not…
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vanquis credit card
Hi Just a quick question. I filled in the online application for them last week and it said they would get back to me and then a few hours later I received a Vanquis Bank Credit Card Agreement email which read............. Dear Ms My Name, Please find attached a copy of the Vanquis credit card Terms and Conditions which…
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Capital One- hpw do i cancel card
I have a capital one card- the balance has been paid off but I would like to cancel the card, never use it and have others with better rates. Cant find anything on their website
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Time between cancelling/applying
I currently have a Northern Rock/Co-Operative Bank credit card, but am planning to cancel it since they will be introducing a £2 monthly fee. I was turned down for a credit card last year, which was probably down to my low income. So if I cancel my current card, how long should I leave it before applying for another one?…
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Credit increases every 6 months?
I applied for and was accepted for a Halifax credit card last July. In April of this year, I applied for a an increase. They said that they couldnt give me the increase I wanted, but upped it from £1700 to £2250. I'm thinking of applying for another increase next month, which will be 6 months since the last request. This…
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Heed Martin's warning about GE Card
I try to acquire a 0% card offer each year to buy my 21 year old son's car insurance (this year expected to be £1700). I was a little wary of applying again this year but last night decided to try for the GE Card with 12 months 0% offer. I have a very good credit rating but this morning GE refused my application. Martin…
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GE Money Technical Issues
If people have had their GE Money CC's declined for no good reason (happened to me twice) keep complaining. I have just ended up with an apology and a £5 credit! Are they feeling guilty or what? If you are in this position I suggest you try the same
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Transfering a loan to a credit card?
Hi Im pretty new to all this, so I wonder if someone can help me................ Ive got a £7000 loan, and I was wondering if it is possible to transfer this to a 0% balance transfer credit card? If so, can anyone recommend a good one? Many thanks :)
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Homebase 0, Me, 1
I don't normally on principle use store cards, but the bloke in Homebase just wouldn't go away and clearly wanted one more sale to make his daily target and presumably substantial bonus. So I got one didn't I, and used it. Of course there were all sorts of money saving offers on the basis of delayed repayment and lower…
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Income and employment details
Hi i applied for a barclay card and got it but cant remember what i put in for the employment details , the problem is i am unemployed sort off lol , i am a care for my wife and son who are both disabled and my 2 other children . I want to apply for the M&S card with the 1 year 0% , but it says :- To apply for your &MORE…
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Lloyds TSB - soooooo slooooooow
Had a balance transfer I needed to make so applied online to LTSB for their 9 month 0% Platinum card. This was four weeks ago today. After two and a half weeks received a request for utility bill to confirm address. Sent this to them immediately and they Sent straight back with a note "we will be in touch SHORTLY".…
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Balance transfer between halifax one and amex
I've had a quick search on this but couldn't find anything of relevance. I've just been in touch with amex as i have an amex nectar card and they're doing a balance transfer offer at the moment. I wanted to transfer my halifax one balance to the card but was eventually told i couldn't. As the operator didn't seem to sure,…
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barclaycard lob minimum spend query
I have the £25/month minimum spend on my barclaycard which I religiously never missed spending on until last month. One of my transactions to push me over the £25 was a day late but I still got the 0% rather than being reverted to 6.9% or whatever it is for missing the spend. However, the interest that was added to what I…
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calculators
Hi all, another question. Does anyone know of a credit card calculator, that lets you key in a monthly sum you want to pay off, rather than just a percentage (minimum payment). I am trying to work out cost of loan v. paying off on credit card. I was shocked to see it would take 11 years on the card, then i realised because…
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Nationwide Refusal
i am having a current account with abbey national which was opened up in june 2006 , and do have a barclay card as well ... i am working full time and earning about 16000 PA and i am runing this account very nice.... so problem is i have a nationwide account as well but its just a cash card and nothing more then it , it…
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Card payment protection
Does it help your application for a new card of you choose payment protection insurance? Which I'm presuming you can cancel immediately after acceptance!
