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VISA or Mastercard?
I am trying to complete an online application for an Alliance & Leicester Current Account, it's driving me up the wall as it is, I can apply for a credit card to go with it and the online form just asked me VISA or Mastercard? How would I know? Is one better than the other? I have a VISA card from HSBC already, should I…
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credit card cheques
I am trying to raise as much money as I can for refurbishing a house without paying interest, or at least paying as little as possible. I will hopefully only need it for a few months until I sell the house. I have a couple of 0% purchase credit cards but of course most builders won't accept them. I've heard that some cards…
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Barclaycard Application
Hi there, This morning I received an application form for Barclaycard through the post. It says somewhere on it that pre-selection does not apply, so does that mean that it was sent as a general mail shot and not specifically for me to apply for? Would my chances of being accepted be better as it was addressed to me; as…
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Missed Payment
Ok I know this probably gets asked a LOT and I've searched and searched but can't find anything about it. I've just missed a payment on a credit card - reason being my 2yr old niece likes my debit card so much she sneaks it out of my wallet then loses it. So I made a bank transfer, which was made 3 days before the payment…
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BEWARE Egg Raise APR to 17.9%
Just got an email from Egg saying that with effect from the 12th March 2007 they will beraising their APR from 16.9% to 17.9%. Time to ditch it deffo.
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Balance Transfers between Credit Cards and Overdrafts
Hi, Does anyone know if I can transfer on overdraft from a current account to a credit card by one of these balance transfer deals. I have recently got the M&S Money life of the balance deal but they won't transfer a balance from a current account. Does anyone know if this is possible and which credit cards will let you do…
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Redeeming Lloyds TSB Trustcard Points when card is cancelled
Here is a copy of a letter I have written to Lloyds TSB. I think it should be self-explanatory and hope it saves other MSE-ers from 'losing' their points. If I get a response I will post here again. After receiving your letter dated February 2007 advising me that you were going to start charging me £35 per annum I rang the…
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Morgan Stanley cc
I have had a Morgan Stanely card for ovre six years. I recently received communication from them that their standard APR is going up to nearly 24%. I had recently done a balance transfer. I find that APR very high, so I sent them an e mail (?last weekend I think - less than a week) saying that I would like to close the…
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Payment Protection
Hi, I'm a newbie on here and I need some help. I started a Barclay credit card in 1994 and in 2004 cleared the amount. Later I decided to take advantage of the 5% for life offer from Barclay and and applied for a balance transfer from another card. As far as I was concerned it was a new application and not a continuation…
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Balance transfer advice.....
Both recently applied for HSBC cc with 0% on transfers until April '08. Both got accepted OK, mine came back with a credit limit of £5000 which was fine. Partners came back with a credit limit of £750, which isn't even 33% of what she wanted to transfer. Not sure what is best to do here. Should we transfer the £750 anyway,…
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m&s card, when do i get statment?
i have had my card since 12 february and have had no statment yet is this normal?
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Minimum Finance Charge (egg)
I just checked my egg card statement and found a "Minimum Finance Charge" of 50p had been applied to my account. I didn't have a clue what this meant so i had a hunt around in the Ts&Cs (which wasn't easy since they don't call it a minimum finance charge) and found this: ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 4.5 If any…
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Are my purchases insured by egg card / baa?
Hi all, I was mugged a couple of days ago and among other things my iPod was taken. I don't have home insurance (i know I should do and I'm already looking into it!) but I was wondering if I might be insured by egg or maybe BAA. I bought the iPod using my egg card on 12/12/06 from Dixons in Heathrow (duty free). On egg's…
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Unpaid Debt Search
Hi everyone, your opinions on this are greatly appreciated. I have noticed the unpaid debt search from honours student loans on my credit report from equifax. It is listed in the credit search section and not the other searches section and because its for an unpaid debt it will remain on my file for six years. Honours…
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Barclaycard PAYPAL payment
As per Martins instructions we set this £1 payment up to take advantage of the barclaycard credit card offer whereby you had to spend £1 per month Well we have now cleared this balance but have found that the £1 is still being taken from our paypal account HOW do we stop this? I have looked at my paypal account and cannot…
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Balance transfer cheque problem
I transferred a balance to Barclaycard in December using the cheques they add to the bottom of your statement for 6.9% for life of balance. I don't check my statement very carefully as I pay by DD. Checked it yesterday and it said "interest on cash advance at 2.o7%" . Rang them to be told that when I sent the cheque it had…
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Credit Cards for bad credit ratings...
basically, to cut a long story short, ive been hit with a £500 concil tax arrears that has to be paid by the end of the month. the council are refusing to budge on sorting me a payment plan, and are going to summon me if i dont pay up by then. i have enough desposable income to pay the instalments, however Avon defaulted…
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Rejected for new card to transfer balances twice?
I have a bit of a problem. I am trying to transfer my balances over to a new card and get rid of most of the other ones, but I have been rejected twice by Citibank and Capital One. I'm not sure why this is happening. I have only checked my Experian credit score and on their representative scale it's 984 out of 1000 where…
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Barclays 0% for life problem
Hi I have had my Barclays 0% for life card running from the beginning i have been on holiday and my credit card expired with my nominated charity. I missed spending £1 for a month and yes i have had a bill for 0.55p on standard balance and 8.30p for balance transfer. My DD is back up and running now will i be ok or am i…
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Understanding Balance Transfer, please help
Hi there I have a car loan at 15.97%, recently i have acquired a M&S credit card who are giving me a deal of 3.9% for the life of balance transfer. Now can a Barclay Card Car Loan be taken as balance transfer ???? or it has to be from one card to another??? If that is the case then I will have to pay my car loan with some…
