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Need to find a new Card
I am going to be looking shortly for a new 0% card to transfer my balance to any recys?????????????????????? Balance is just over £2000.............and is with Halaifax at the moment.
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Reclaiming fees from Morgan Stanley
I need some advise here, from someone more experienced in these things; I've changed my current account to Alliance and Leicester, and they've been handling the direct debit switch for me. They contacted Morgan Stanley on 23rd March with the new account details, although my next (full) payment date was 12th April. I…
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Credit card advice needed please
I have never had a credit card and i need to know a few things I am working part time and I want to purchase a new tv costing around £350 i don't want to take out a finance plan with the store and i was thinking of getting a credit card and I could pay the tv off in 3 months with 100 pounds a month,then i would not use the…
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CC Balance transfers for self employed
Hi I want to transfer my current cc balance to a 0% interest one but looking at the terms and conditions of some of them they say that you have to have a regular annual income of £10k. I do have an annual income higher than that but does it make a difference if your self employed ?? I don't want to apply and be rejected…
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Using CC to pay off overdraft....?
Hi there, my partner has an overdraft of several hundred that she's struggling to get out of. She's getting charged £15 per month, in interest, from the bank for constantly being in it. She was considering getting a 3 year loan to pay it off, but in my mind this is just as bad because it'd be £35 per month. That extra £20…
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Can i still get credit?
Hi all, this is my first thread so heres hoping i make sense! Would be very grateful if you can help...........i'm currently looking to transfer the balance on one of my cards to the barclaycard platinum 0% 'til july 2008. However one potential problem i have is that i am not currently employed as i am a stay at home…
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'Specially Selected' by Mogan Stanley
I have just received an envelope from them with a real stamp on it and looking personalised. When I opened it I was part of a 'very limited' offer to apply for one of their cards with a deal etc..... Question is, how have I been 'specially selected'? Is it just marketing ploy? It is off to be recycled either way.
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Egg estimated interest appears incorrect
Hi all, My first thread here! :j I have a question regarding how interest is calculated on a credit card account. My wife has an Egg card and she clears the balance each month. This month she has £1116.99 outstanding on it, and the interest rate is shown as being 17.9% Now I calculate the monthly interest on this…
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Best CC for me
Hello all, im looking to change my credit card so i can get a good deal (HSBC just upped my APR!). I have a £5000 limit and the card is currently sitting at around £3000, i had some issues with HSBC in the fact that they cancelled my direct debit :mad: and didnt take my card payments for 2 months. this has been settled and…
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Halifax One won't accept Egg Money BT?
Hi All, I recently got a Halifax One card with 0% on BT's & purchases for 12 months. The original plan was to use this for a holiday purchase, however this is now not going ahead. I didn't want to have got the credit (and addition to my credit score) for nothing, so I thought I would use it to transfer my loan to for a 12…
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Secured credit cards..............
A secured credit card is a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired. Thus if the cardholder puts down $1000, he or she will be given credit in the range of $500–$1000. In some cases, credit…
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Credit Card Advice - should I use a Card to buy a new car, and if so what card??
Hello I am a new poster and am looking for some advice if possible. I am looking to purchase a new (used) car very soon (Approx £6000). Have been looking at dealerships, and they all seem to offer finance but at average APR of 13-14%. I can afford the monthly payments but do not really want to pay that much interest on…
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Legality of Egg interest charge?
Would anyone care to comment on the legality of what Egg have recently told me? To upsum the situation, after mistakenly closing my card account, they mistakenly charged me for printed statements that were supposed to be free. At my insistance they removed the charge, and the interest that arose from that charge last…
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travelling
hi am going awat travelling for 2 months to new zealand and oz i need a credit card just for back just incase money goes dry any suggestions on what one i should go for thanks
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0% purchase credit cards
good evening?morning, I owe 9000 in total debts and am trying to do my best to sort them out now instead of putting head in sand. I owe £700 on my overdraft and keep getting hit with charges at the end of month when I've run out of money.(Got hit with two £38 ones for not having funds in account for one day) I've been told…
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recovery of money
Olan Mills phoned us up om the 6th Dec last year to try and sell us a photo sitting plan (a number of phot sessions for the family over the next year). Since we have used them many times in the past we bought one for £20. We have now discovered that Olan Mills went bankrupt the day after we made our purchase. I have…
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Inexperienced with credit cards please help.
Im a little confused with regard to credit cards,I currently have a bank of scotland one account,i have had it for two years and have £150 on it.Im thinking of switching to the sony card and doping a balance transfer if i do this will my £150 be interest free? If i take this card is there it possible to close my bank of…
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cash / balance transfer help
hi a few months ago i received a call from virgin cc, offering me 12 months interest free on balance transfers on my cc. at the time i didnt have any outstanding balances to transfer so the asked it i was planning on making any big purchases as they could offer 12 months interest free on a cash transfer. again i declined…
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help with reclaiming credit card charges
some help/advice please, I am currently in the process of reclaiming charges from hsbc for a bank account, and was going to have a go at reclaiming my credit card charges (4 cards in total), however................ i defaulted on all cards a while back and am now paying the balance to collection agencies-so where do i…
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What's Best?
I currently have an Asda credit card that I use for groceries. I pay this off in full every month. Am I doing the right thing or is there a better card out there for me for paying the balance off every month?