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Repaying Credit Cards & Loans
Hi Im new to the forum so apologies if this topic has already been raised. I just wanted some advice or to ask if anyone has done this before. After taking out a credit card and loan and getting into debt previously only paying the minimum amount each month - i now finally might be able to get rid of them by paying them…
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Whom does EggCard report to (CRA)
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Credit card advice which has best freebies?
Hi i currently have a Bank of scotland one account and have had for a year or two,Am looking for the first time to change credit card.i currently have a balance of £160 so will want to do a balance transfer but am also wondering which one offers the best freebies either cashback or vouchers jsut for opening the account.
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NEXT won't set up a pay off in full direct debit
On Martin's advice re paying off credit cards etc using direct debit payments in full I asked Next to set one up for me. It refused stating that it could set up a direct debit for the minimum amount each month or for a set amount each month but not the full amount. I've paid by cheque but would rather set-up a proper DD…
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MBNA - IMPORTANT - Dont believe your Marketing Letter Terms
MBNA Please note after receiving a marketing letter from MBNA as an existing customer with balance transfer cheques etc TODAY stating a handling fee of 3% capped at £75. THIS IS NOT TRUE. They now charge 3% on the whole balance and state that because your letter takes eight weeks to prepare !! that the terms on it are out…
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Credit Card Cash Advance
Help!!! I have a M&S Money Credit card with 0% interest. I have approx £2400 outstanding but on interest free which I can pay off on reciept of my annual bonus in September. The problem I have is that I had to withdraw cash while on holiday following the breakdown of a restaurant PDQ machine. I have now attempted to call…
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What makes you think, you owe the bank money?
Now this may sound utterly mad but please bear with me for a minute. Some things to contemplate: #1 What the banks refer to as "your contract with us" is not a valid bilateral agreement since the four requirements of a lawful, binding contract were not met on the credit card/loan "application", namely: 1. Full Disclosure…
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&more card
New here so sorry if this isn't where it should be. Applied for an &more card 0% interest for life of balance transferred. When we got the card it had a really small credit limit on it. We have an excellent credit rating. Comes from being in so much debt :rolleyes: Anyways, we phoned them to ask if they would up the credit…
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Credit report lost in the post..
Not sure where this belongs on the forums,but I had to place a request through Experian for a replacement Credit Report to be sent out to me as the original had not been received. I'm obvously concerned that the original has ended up in the wrong hands,but what could a potential fraudster actually do with the info? Also…
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Credit Card 0% interest??
I recently got a Sainsburys Credit Card with 0% interest on purchases and 5.9% on balance transfers. I got it as I had a huge tax bill to pay and it was either that or a loan. I called up the Tax office to pay the bill only to find they don't accept credit cards only debit cards. I called Sainsburys and asked how I might…
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Should I reduced my Credit Card limit>
Hi There, I have a A&L credit card with £4300 limit, however I am not too happy with their customer service and am thinking about getting a new card from Nationwide in 6 month time and ditch this A&L card. This is the only CC I have at the moment and I never needed more than £2000 at a single month. It is a good idea to…
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Advice about borrowing cheaply on a card to buy a car
Hi all, I've just joined the Forum; great site - keep up the good work! I would like to buy a new car and do it in such a way that I can beat a standard loan. I need £25k. I have been reading all the articles that pertain to this and this is the formula I have come up with: 1. Cancel unused, old credit cards 2. Apply for…
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Paying off a catalogue
hi, my partner has ran up a massive bill with the catalogue, £4500 and after watching the latest mutterings i would like to trasfer the debt onto the 0% barclaycard platinum for 14 months so she is not paying interest, the thing that i am not sure of however is that as the debt isnt on a credit card but it is owed would it…
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Credit card interest
Can anyone advise me I'm new to this. I have paid a wacking £245 a month of my credit card bill (minimum payment) and £218 has gone on interest!! I have asked the credit card company to reduce my interest rate, applied for a loan to no avail. Is there anyway I can reclaim any late payment fees or any of my excessive…
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Who runs Tesco credit card
Interested in the Tesco card with the 12 months interest free BT. Just wondering who owns it as would be transferring from Lloyds TSB. Found an old thread which is a couple of years old which said Tesco cards were run by Royal Bank Of Scotland....
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Credit Card Charges calculation
Hello Can anyone out there do some sums for me please? I've been charged £18.42 interest for being 10 days late paying off an interest free balance transfer. ie I paid off the whole debt but instead of paying before the anniversary of the balance transfer I foolishly left it 'til my normal payment date. I think they were…
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Morgan Stanley :(
Took out my Morgan Stanley card in November to take advantage of the cracking cashback offer up til the end of 2006, and just had a letter today to say they're going to start charging an annual fee of £20. Anybody else had the same? Any recommendations for an alternative (will also be checking Martin's guide).
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500 airmiles free, min £10 spend
I got an offer today from airmiles to take out a Lloyds TSB airmiles duo american express credit card.I had the airmiles credit card for the free 500 airmiles last year but closed the account after getting the freebie.This offer says you get "an extra 500 miles the first time you use the lloyds card " and its a minimum £10…
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Refused credit don't know why???
I have been turned down several times for credit cards- even the ones that help repair credit I decided to get a credit report on myself When I got it back there was nothing on it adverse so why do I keep getting refused??? Is no credit history just as bad as bad history ?????? You have to start somewhere right???? I am on…
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Cancelling OLD Credit cards >6yrs old!
Back in my student days (pre 2000), I had several credit cards, all of which I managed to pay off. The trouble is, as I moved on, I stopped using several of the cards, and after a while they stopped sending me Statements for £0.00. They also stopped sending me new cards when the old ones expired. Being a student, I didn't…
