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using CCs to get cash for car quickly
hi I would like to ask for advice on juggling CCs to generate about £5500 quickly. I am unclear what are the costs involved, and would appreciate any tips. I haven't made the deal yet as need to be sure I can lay my hands on the cash. it's to buy a car advertised on ebay. it's the exact make and model I've been looking…
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Too low income
I tried to apply for a 0% transfer MBNA card and was refused because my income was too low. I work only two days a week school term time only - choice since youngest still not at secondary school. I have held - and used - a barclaycard for twenty years. I have around one thousand on the card and thought I would save some…
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purse stolen: driving licence, debit card, Help!
My daughter had her purse stolen in a shoe shop in Oxford Street, a few weeks ago. The purse contained her driving licence, and two debit cards. She reported it to the police and banks. The driving licence was found on the tube a week or so later. Anyway last week a statement arrived for a store card with £400 on it. This…
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did i just get 0% cash withdrawal from a credit card?
Hey Guys, This is my first post on the forums, just looking for some advice! I recently opened up a new credit card account with halifax one to transfer my balance from barclaycard. They were doin a 12month deals on balance transfers and purchases. I subsequently transferred 540 quid from barclaycard to halifax one, but…
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credit cards for a limited company
has anyone any experience of the best credit cards available for a small limited company.Thanks in advance..
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Monthly Interest Rates & APRs
I am trying to work out the APRs on 4 of the 6 credit cards that we have so that I can enter them into my snowball, is there a formula to work out the APR from the monthly rate? MBNA Reading FC CC 2.0751% on £6,765.73 MBNA CC 1.5976% on £16,422.02 (this is a problem card as every other month the interest is higher than the…
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Student in debt wanting help
Hi all, I'm a second year university student and I'm starting to struggle with debt. I started my course with about £3000 credit and overdraft debt. This is now around £5000. I have applied to different banks/credit cards/loans and keep getting turned down. I do have a part time job earning about £140 a week. I really want…
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Morgan Stanley Notice of Variation
My first post -- hello everyone! I've had a Morgan Stanley cashback card for many years, which has proven to be very convenient: unlike my other cards, with this one I truly get up to 56 days interest free, because I pay in full each month by direct debit on exactly the same day that my salary goes into my current account!…
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Fraud on credit card, bad credit rating
I need some advice! I had a fraud case on my Halifax credit card. After it was resolved I asked Halifax to have my credit file corrected. I have since obtained my credit file and it shows the following: 8 payment"s" 1 month in arrears; 6 payment"s" 2 months in arrears; 0 payment"s" 3 or more months in arrears. Query has…
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Need a 0% card for a New Purchase
So, I've got a 1-off big purchase that I will be making in the next month or so, so I thought I'd take advantage of a 0% card to spread the payments out. The one with the longest 0% term is the Sainsbury's one:…
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How many cards is too many
Hi All, This is my first post here. Already implemented some of Martin's savings after reading his book. My question is I have a good credit rating (based on having never yet been refused an application) and wonder if there are any rules on the number of credit cards which should be exceeded at one time. I want to apply…
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charges
I missed my pools collector, and paid over the phone using my conran card(MBNA) they were for different members of my family, one was for 0.75p another for £2.25p and a third for £6.75p when I checked my transactions online, I noted that I had been levied a charge of £3 for each transaction. I telephoned Littlewods to…
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Egg Foriegn exchange statement
Quick question: If I spend money abroad on my Egg Money card how is the total displayed on my statement? For example, if I spend $100 in the States would the statement show £51.77 and a seperate £1.40 charge for the commission or would it all be lumped together as £53.77 and is there an indication as to exchange rate used?…
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MBNA issued cards..........
just who do MBNA administer cards for? Abbey Virgin...............
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can u only make one payment to your credit card balance per statement?
just paid 100 quid off my balance which i do online, its due to be paid in friday. when i get paid next week i would like pay a bit more off, but i might not have had a new statement then. can i make another payment regardless of this? can u make payments whenever u like?
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credit cards and insurance
hi everyone, just thought id share this with everyone just incase because im sure im not the only one this has happened to. i normally use the internet to pay my cc's or whatever else i need to do banking wise, but when i have had to ring up on two occasions to two different card companies, i have been offered payment…
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Using visa for car hire & insurance protection
Hi, In the past i have always hired a card using my Natwest Visa card, I tend not to go for the insurance protector that is offered by so many of the car hire companies. In doing so I always run the risk of paying the excess fee should I have an accident or a little scratch on the car. An American colleague of mine told me…
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Can i use my new CC to pay off husbands cards?
Hi Just some quick advice please, if anyone can help. Hubby has about £6k of CC debts (which we have racked up together) and we are trying to get them all paid off this year. I have never had a CC, only a debit card and one bank a/c. and have a good credit rating. Could i get a card with a good offer and use it to pay off…
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New Credit Card
Hey Was wondering whether anyone knew which credit card company's have Student doctor as an occupation, as have been reliable told that these give higher credit limits. Am in my final year studying, have six months left till my first pay packet and am totally broke. Think a credit card is the only way forward.
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Are credit cards evil, or just dangerous?
I hate defending credit card companies. It's like sticking up for used-car salesmen, or Congress. Saying anything nice makes you feel like a patsy, since their defects are so readily apparent. But in the debate over whether credit cards are inherently evil, I must proclaim myself an advocate for the purported devils. The…
