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need advice please - i have poor credit
i've currently got two credit cards where i pay the minimum amount ( i know i know). recently, :confused: i have poor credit and i tried to swap my cards for 0% interest but because i have poor credit - i am now unable. Consequently the money i owe is going up and i don't know what to do. please help.:confused: :confused:
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More than one MBNA Card
I currently have an Virgin card with 4.5K on it and an Egg card with £500. Both have £5K limits. I would like abother MBNA card with 0% because I want to make use of their £5 min repayment. Do they let you have 2 cards or should I whack the balance onto the Egg, close the virgin then find a new one? Which MBNA cards are…
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Amazon cc - had some freebies-but not all??
Hi, hope you can help shed light. Applied for Amazon cc in Dec as they had an extra £10 voucher on offer on top of their usual £15 worth (so £25 in total - not bad i thought). I received this *Gift Message: Please find attached a 10.00GBP gift certificate in relation to the Amazon.co.uk MasterCard December promotion.* I…
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When can I pay towards my balance?
Hi, i recently came into a small amount of money and want to make sure that I dont waste it so thought I would use it to pay towards the balance on my credit card. My current bill is due on the 19th but I have already paid off this months. Should I wait till i get my next bill or just pay now? I always pay using internet…
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Phebe
I have tried the free nectar amex site application several times but it won't load to actually apply after I have filled it all in. The fields are all filled in correctly but it keeps going back to the page with the post codes etc on when I press apply. Moe than one pair of eyes has looked at the page with me and can't see…
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Good card for using abroad..?
Hello all, My friend needs a good credit card to use abroad, as he's going travelling in April. I personally recommended the Nationwide Gold Card, as it offers: 'commission free purchases abroad' ...so what other cards could you recommend please :) Thanks.
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2.75% bank surcharge for foreign currency transaction- can this be reclaimed?
I do not know the answer and hence my question. I have bought many thousands of pounds worth of items from the US, much of which before I knew about this charge. I do not have a problem on the most part because most of it was Dvd's in small orders and I accept there might be some handling to this. However, I bought my…
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Minimum payments on credit cards
Does anyone know if one can claim for the excessive fees imposed by Credit Card Companies due to failure to make minium charges. It seems a double wammy as they are collecting interest and the late fee
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Unemployment
Hi guys, Is it possible to get a credit card if you're unemployed? Like, is there ANY C/C company that will dish out cards to unemployed. Need the 12 month 0% interest free period to use for establishing a new business. Thanks!
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Credit Cards and PayPal, Worldpay etc
I have been told that some credit card companies treat transactions with Paypal, Worldpay etc as "cash transactions", and that Mastercard will shortly be doing so as well. I imagine this means that such payments will be subject to interest charges from the date of the transaction. Is this correct?
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Tackling my debt - What do I do next??
Hi Everyone, I have only recently took my head out the sand and started to tackle my debt. I've just started to sort out my credit cards and applied for a More Card from M&S. This has come with a 7K credit limit and I've transferred my entire Barclaycard balance onto it and some of my virgin card debt to use it up to its…
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Paying off and Closing Account
I have taken out a loan to re-pay all four of our credit cards. After calling Virgin, and being told by the answerphone that I have to login to Virginmoney.com to make a payment. I would like to ask what would be the best way to pay off the credit cards and get the account closed. I think I have two choices. 1.) Pay money…
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Universal Default Clause. In UK yet?
This is the latest Credit Card scam from the US. Does anyone know if it is here yet and which cards use it? See link http://finance.yahoo.com/expert/article/millionaire/26303 The Universal Default Clause If you own a credit card, you know by now that if you're late with a payment the credit card company will charge you a…
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Amex - denied a balance transfer - help!
Hi - first post, love the site. I have a specific query - thanks in advance for any help. Basically, I've had an Amex card with a big credit limit for about three years. It's currently 0 balance, and I'd like to transfer my other credit card debts onto it. However, when I try to do it online I'm told to phone them, and…
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M&S &More card + travel currency
Hi there, Am I right in believing that if you buy foreign currency from M&S themselves, you do not get charged as if it were cash? IE. it would be at 0% on the credit card for the remainder of the introductory period? If so, do you have to do it online, or can you do it instore? Any help much appreciated!
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Hear Ye!! Hear Ye!!
Hail!! All you credit card wizards!! :D Ok so i'm a bit confussed........ :confused: I've got quite a low credit rating, (don't actually know why), and thought I'd get my self a credit card just to boost it up a bit. I've got myself a vanquis card, with a whopping 34.080% interest!!! :eek: But......... I have only got a…
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How can I claim back credit card fees?
Sorry if I'm asking the obvious but how do I go about claiming back late payment fees on my credit card (are there any other fees I can claim)? I've looked around the site but can't find the right part/page? Thanks in advance.
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Pre-Paid Cards and Car Hire
Just wondered if anyone that has got a prepaid card has ever been successful in renting a car with it. My understanding was that you couldn't use them because it isn't a credit card but some people I know say they have used it. Thanks in advance
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How do they know how much I'm earning?
In the credit rating section it mentioned "how much you are earning" how do the credit agencies know this? do they have some kind of link with paye? or the revenue?
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off on a cruise & need 0% card
Hi guys, off on acruise in decmeber ( need to pay for it in july) so i want to whack it on a 0% purchase card, i might also want to buy things with it abroad was going to get this card ( in a few months)...…
