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Please please help
Hello, please please please can someone give me some urgent advice. My son has an Alliance and Leicester credit card with an extremly high interest rate. (He also banks with them) The card limit is 6300 and he owes 5300, the minimum payment per month is for typically 108 pounds, of which they charge him 102 pounds in…
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Credit Card Apps from abroad
Does anybody know if it is possible to succesfully apply for credit cards from foriegn countries. I recently moved from the UK to Japan and made a bit of a hash of my credit card repayments in the process. My low interest rate balance transfer cards have now started to accrue much larger amounts of interest due to missed…
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Barclaycard PPI
I cleared my Barclaycard but didn't close it...then took advantage of 5% for life and transferred from another credit card. At the time I was told that I couldn't have PPI due to age and then on another occasion refused it as I had retired so was not covered for redundancy.They have now changed the goal posts. I found that…
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stupid question, but im confused, help.
about credit card, there is 0% for 12 months on Purchases or so, and there is a Interest free period:Maximum 56 days for purchases if you pay your balance in full and on time. what does this mean, it's 56 days or 12 months? the 56 days and interest free period really confused me, anyone who can explain it for me? many…
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Credit Cards for those with bad credit rating/defaults
Hi guys, Does anybody know of a company offering credit cards for those with defaults and very poor credit history? I'm still having problems but slowly getting back on track and just want to look for something to transfer over to at a more competitive rate. I hope somebody can help! Ben
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Frequency and number of applications
Hi, I have been 'shuffling' card for a number of years now and recently got my first ever rejection this month... from capital one. A month earlier I applied for a M&S life of balance and only got a £2000 limit , which leaves me with about £4000 on an egg card. I am a bit concerned about applying for another card. Wondered…
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Help with Paying off a £25K Loan (£8k Balance)?
I took out a £25K loan over 5 years and have about 15 months left, I think about £8K to pay. Is their anyway I can pay this off with a credit card on 0% Balance Transfer?? Or can anyone tell me if their is a cheaper way that I can pay this off with the idea of paying off more than the £500.00 a month that I pay for this…
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Credit score bands.
I apologise if i have posted this in the wrong place. I am trying to find out what the particular credit score bands are for Experian. In July last year, my score was 426, VERY POOR it said :( It is now 867 on a scale of 1 - 1000 but says FAIR So what is GOOD then! and i hate to think what EXCELLENT may be. Any advice…
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1st/2nd class
Last week did a telephone survey for the quality of customer service of the M&S &More CC. When I mentioned there is a difference depending whether you talk to Chester centre or to their India based ones, I was told that there are plans to evaluate every customer and based on that decide to which centre the call should be…
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Bad Credit - Additional Card Holder Option??
I have quite a bad credit rating at the moment but i want to try and build it up. No one wants to give me a credit card - which i can totally understand. i was thinking though, if my boyfriend got a 2nd card on is account (i.e ME) would this boost my credit rating at all or boost it slightly? Also by having me as a 2nd…
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Will i get 3 months 0% off Halifax if i ask?
Hello, i am looking to buy a car, but want to pay with my existing Halfax One Credit card. I have (after 2 years of trying) fully paid off the card and will have the money to pay off the debt on the card IN FULL in 3 months time. What i would like advise on is whether or not i can simply phone up and ask for 3 months…
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credit card debt and death
sorry if i have posted this question in the wrong section. Last week, my dad passed away, and as you could understand it is a very difficult time for us. my dad had some credit card debt, with few companies but the main one is llyods tsb with £15000. now my question is this debt was on a credit card and i have been told by…
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HSBC - beware on balance transfers
Just a warning to people on the HSBC card. I signed up for one and put down for a balance transfer of £2400 from a morgan stanley card - at this stage i did not know what my credit limit was. I was given a CL of £750, i wasn't sure if they would still go ahead with the transfer as it was for considerably less than the…
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Asda credit catd benefits - changed ?
I took out an Asda credit card at the end of 2005 and it came with a big booklet of vouchers, some of which were Days Out vouchers. You could also download unlimited vouchers from their website, they were valid til Oct 06. We used them every week to go to a fab local country park. i just checked their website and there is…
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Can you use Credit cards for 'free cash' to help reduce a mortgage
I noted that the Halifax Online Exclusive One card has a 12 month 0% period for all spending, is it possible to use offers like this to help pay off a mortgage and then tart on the balance transfers? how would you go about doing this?
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Lloyds TSB Save the Change to good to be true?
Hi there Sorry if there is a thread for this already but I was buying something from Amazon when I noticed an advert for the Lloyds Save the Change Debit Card, a card where when you spend on it they round up the difference and put it in a savings account? Seems a great idea but I can't help suspecting there must be a…
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Settlement Figures for CC's
Hi All, I now have a cc which has a credit limit I would like to switch my egg card to at a 0% rate. What I was wondering was if I told Egg that I could pay a certain amount off and close the account. Woudl they consider doing this transaction by cc or in these cases is it just by debit card or cheque? Also, if this is the…
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Virgin Credit Card Charging Interest?
Hi, I have recently transferred a balance to Virgin which has 0% until November 2007. Last month I made a payment of £50 via internet banking a day before the due date which I accept is cutting it a bit fine. I have got my statement for this month and have been charged a late pament fee of £12 which I accept. I also seem…
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store cards? can you lower your interest rate?
can you ever get lower apr on store cards or are they set, and never change? like you can get lower apr on credit cards for being a good custmer, or just lucky! like i have a next card and the apr is 26.9 i think and im thinkin of just closing the account , i have nil balance at last! but just wondered if anyone at all has…
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Balance Transfer Rate
Just been looking on Moneysupermarket, and have spotted a number of cards offering 5.9% BALANCE TRANSFER RATE for the life of the balance, what exactly does this mean?
