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Moving overdrafts to 0% BT credit cards...?
Hello there, I have a question for you: I explained my financial situation in much detail in the Debt-Free-Wannabee thread under "It's just a jump to the left..." and now have a specific credit card question for you. So here goes: Basically I have a graduate loan over £7879.68 which I am paying pack with £250/month for…
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More Credit Card Confusion! Please Help
Hi, My fiance has been refused 2 credit cards, with which he wanted to transfer a balance of about £2000 from another credit card. He has had a few late payments but is back on track now. He doesnt want to apply for another card as his credit score will decrease even more. I wondered if I could apply for a credit card with…
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natwest credit card
hi sorry if im in the wrong place but could somebody please put me out of my misery otherwise im going crazy thinking. what are my chances of getting a natwest credit card?last week i applied online for the basic step account as i am currently with hsbc and planning to leave and then claim back charges.while applying i was…
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Credit Card Confusion
:confused: I'd appreciate any help you can give me! My fiance has 2 credit cards: A Bank of Scotland with £2500 on it and a Virgin card with £2000 on it. (A month ago it was £9000 in total). He has had a few late repayments but is back on track now. Will he have a poor credit history? He is trying to get a credit card to…
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Need BT help quick!
I need to transfer my credit card balance asap. I've just been refused the HSBC one. Anyone know a card that I can transfer about £1800 to, that doesn't require a minimum income? I don't want to shoot myself in the foot by applying to loads and then ruining my (already pitiful) credt score. Thanks.
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Interest rate confusion - Help ! (please :-) )
Hi, I'm trying to move balances around my four cards, but I'm getting in a pickle with which is the cheapest, what with companies quoting annual rate, apr and monthly interest rates. I've just rang all four companies to check the current rates and keep getting quoted annual rates, when my statements refer to monthly rates.…
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Evil Fraudy Meanies
Hi All, On friday of last week I was checking my balance online to see whether I'd been paid. As I was doing so I noticed that I had £281 outstanding on my credit card. I was sure I'd cleared it, but thought that I'd have a look and see if I'd paid for something on the wrong card etc. There was a single payment of £281.84…
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Is this chip and pin fraud true or an urban myth?
Hi, The title says it all and the link is below. Can anybody tell me if this is true or not, please? http://devilskitchen.blogspot.com/2006/11/chippin-away-at-fraud.html
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0% purchase credit card
Im wanting a 0% on purchases credit card for a term as long as poss! would like 12 months ideally. I will only be purchasing my yearly car insurance (as the quote for paying cash is a lot lower than the monthly direct debit charge!) The throwing the card away. Thanks in advance :)
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Late payment interest - ask for refund?
Hi I am usually very careful to pay off my CC in full on time but last month I was late by a couple of days (yes, careless) and have been landed with £24 interest this time around. I have a further credit card which I have been meaning to switch to and which pays cash back (Amex platinum) - what do you think my chances are…
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MBNA's new rip off
Having lost millions of £'s because the Office of Fair Trading made MBNA slash their late payment charges, MBNA have found another sneaky way of making money out of their customers. If you have an interest free card with MBNA and you're late in making your monthly repayment (even an hour late), they cancel the agreement…
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Long Norwich & Peterborough CC delay
Applied early last month for N&P CC, with no problems. Had to prove address as I recently moved, they returned my evidence within 48 hours with thanks. Anyway, approved fast, pincode and BT completed however verbally told delay processing successful applications. Now, after a couple of weeks passing got a letter saying my…
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Best free credit check?
what is the best free credit check in peoples experience? anything to watch out for? (apart from making sure you cancel before the trial expires!) thanks
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Anyone ever asked for double their credit limit and got it?
Decided to chance my hand and just requested a £15K credit limit with MBNA. Currently got £7500. I've just got another 0% deal with them and would prefer to have all my 'debt' on the one account if possible which is why I went for broke. Anyone think this is feasible or have I just gone OTT?
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C/C tart? never again I need HELP
Hello, I am in deep deep trouble! I owed about £7800 to Barclaycard. Since it was almost all cash advance it was an extortionate 28% interest. I phoned them and asked them to reduce the rate but they refused and told me that I could take a Barclayloan instead. But I decided to try tarting and applied for 2 credit card 0%…
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Only chip & pin?
Hi, I have just joined the forum although I have been coming here to read advice for a long time. I have recieved my Quidity pre-pay maestro card from the Mirror so at last I can do online shopping. I noticed though that it isn't a chip and pin card. Does this mean that I won't be able to use it in shops or do they still…
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£33,000 in debt IVA or bancruptcy HELP
I owe £33,000 on 6 credit cards it has got to the stage now when im late on a lot of them. I just cant keep up with the rising payments. I was wondering should i go and see cit advise bur about it or go to one of the iva places about a iva. Could anyone tell me the advantages or disadvantages of a iva. Or does any one have…
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help 4 student!
hi guys, was wondering if u could help...i have 2 pay £1200 fees anytime before march 2008. I also have to pay out approx £9000 for my legal practice course sometime in 2008. I don't know yet whether it'll be one outright payment or by instalments... so...I would like some advice on getting a credit card from which 2 pay…
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egg credit card for overdraft
hi again. i want to clear a £1500 overdraft i have.i want to use a 0% balance transfer card to do this.i notice most cards only let u transfer the balance from other credit cards. ive seen the egg credit card,this says its 0% for balance transfers and charges 2.5% they state that you can balance transfer from an overdraft?…
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Need a credit card (first one)
Hi all, So i've been using a debit card since I was about 16 and hopefully next year going to be looking to buy my first house. My girlfriend keeps nagging me to get a credit card as it will help me get a better credit rate? I currently have a halifax debit card account, is it a good idea to get a halifax credit card? Any…
