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New to credit cards
Hello everyone, Sorry if this question or similar has already been answered, i'm new on here and have looked but can't find anything. If it has please point it out to me. I'm currently a university student and although get the student loan once every 3 months or so i often find that by nearing that a few weeks in its all…
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What's the best starter credit card?
I am 17 and have not yet gotten a credit card, but have been researching for a while. I want to get one to begin establishing credit, but I'm having a hard time sifting through the tons of cards out there. Is there a card or type of card that builds faster credit or more credit? There are a lot of "student cards" on the…
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Capital one account.
Hi all, In April I broke my ankle very badly,so badly that at one stage it looked possible that my foot may have to be amputated. Thankfully I still have my foot and am now on the mend. While in hospital I missed my capital one credit card payment,and they were ringing me 4/5 times a day,a different person each time,asking…
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Hi What is the best deal on credit cards at the moment?
Hello, I want to transfer a balance to a new card, are there any cards out there who offer balance transfers but DONT charge a fee for doing so? If not does anyone know the longest 0% balance transfer deal out there? Thanks.
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Is cashback really the best option?
I have been with Coutts & Co for 40 years. I pay good money for their Gold credit card, but I have never once had a problem with their service. Their rewards are probably pitiful and my wife is urging change. They call me when there is a possible misuse - on the most recent occasion I was called within 15 minutes of my…
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using worldpay service?
I want to place an online order, but there are only two options of payment paypal and worldpay. If I place the order with worldpay am I still covered with the credit card online insurance conditions such as fraud, order getting lost, etc?
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credit file affected
Hi all About 6 months ago I got a Argos stoe card to help improve my credit. All was well, but unfortunately i didnt receive the last statement and even more worse since i live in sheffield, we've just recovered from flooding, so I wasnt at our place to much. Firthermore I live in a bloack of flats and quite often the post…
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CC Fraud - what next?
Hi All! About 6 months ago, someone ripped off my credit card and started charging loads of stuff to it (about 1k). I destroyed my card; the bank reissued another and got rid of the illegal transactions, so I didn't really think much more about it... About 3 months ago, the same thing happened to a close friend of mine.…
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Balance Transfer Warning!!!
I have recently taken out a new Tesco Creditcard and took advantage of their balance transfer offer. Unfortunately I did not read the print closely enough, I Know, and now feel duped. Why? because whilst I used the card my purchases balance increased, and when I paid in only the interest free balance reduced. Therefore, it…
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debt and relationships
Hi. My partner and I have been falling out for almost 2 years now over his credit card debt. The reason why we constantly fall out is because he doesnt need to have it as he has capital in a sports car he could sell and clear this debt. The only problem is - the car is off the road and requires fixing - he doesnt consider…
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Credit report/address/cards
Hi everyone, I have read through the article on your credit report and "rating" and also some threads on here but can't find anything directly relating to this issue which I imagine some others must also have... I would like to apply for a new credit card but am not currently on the electoral roll and know that this will…
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Help confused about Balance Transfers
Hi, I hope that I have put this into the right forum. I have been reading about Balance Transfers and I have two store card debts one from Mothercare and the other from Next. I have decided to get the longest 0% deal as we can pay this debt off in a year if we dont keep getting interest added but the problem is I have my…
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Sainsbury's Credit Card Cheque
I've not used my Sainsbury's Card in a while (zero balance) and just been keeping it to see if they offer me a life of balance or zero % deal. Anyway, they've sent me a cheque to use before end 19th Aug with a 6.95% life of balance (3% fee) deal. Now this is not as good as I was hoping and not worth the hassle as I have as…
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Balance transfer card that allows transfer to bank account?
I'm looking for a balance transfer card with 6 months or more at 0% that allows me to do balance transfers to a bank account. Egg allows this but I closed my egg account in Jan and you have to wait 12 months before you can reapply apparently. I'm struggling to find another card that allows it.
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New M&S Customer
After reading thru the very helpful advice given on this web site I've decided to do a balance transfer to shift my Visa debt which, although being managed, tends to stay too high. And I'm p'd off paying around 16% when I can get a whopping 10% lower by shopping around. Any idea what sort of credit limit I might be…
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Where's that thread about guys who work for banks?
Searched but can't find it anywhere.
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HSBC 0% purchases bad deal think twice!
Hi friends, Just had a frustrating phone call with HSBC i thought i'd warn you all. I wanted a good card for 0% purchases so followed one of Martins top cards. I was accepted for the HSBC card (good income and credit score) but they set the credit limit so low that it renders the 12 month 0% deal pointless. I cancelled…
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Balance Transfers?
I have applied for a BOS One Credit Card, i am wanting to buy a dell laptop and the offer runs out next wednesday. I dont think i will have the card before that. I will need to put it on another cc that I have. What i want to know is can i still transfer from another credit card although I didn't request this when applying…
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Confusion over Halifax One card
Hi, Please bear with me in this post as I am totally confused in what i have been offered, and wonder if anyone knew what the deal might have been when I applied (As I do not have the original info :( ) A month or so ago, I applied for a Halifax credit card. This was on a 12 month's balance transfer deal (this part I am…
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Credit card for holiday in Switzerland
Hi, I have two credit cards, Lloyds TSB Classic & MorganStanley Platinum (Now Goldfish).. I am planning to use one of these cards during my holiday in Switzerland. I asked both the credit card companies, Lloyds says they charge 2.75% on each transaction and MorganStanley 2%. I enquired with my friend who used his Lloyds…
