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Capital One offer letter 0% for 6 months - is it worth it for me?
Hi all, Received a letter from C1 this morning offering me 6 months 0% with a 3% fee. The letter quotes: " Act now to be considered for 0% interst from after your September 2007 statement until your March 2008 statement. Please note you would pay interest at your current rate of 14.93 from the day a BT reaches your account…
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Full & final settlement accepted now chasing balance!!!!
In november I offered my creditors various sums in full and final settlement, all of the accounts had been passed onto debt collection comanies. I got letters back from all of them eventually agreeing to accept the sum as full and final settlement....BUT I have just heard from "Ruthbridge Ltd" (and the most ignorent,…
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Capital One application refused - any advice on appealing?
According to my credit file I have 2 satisfied CCJs for small amounts which are due to fall off (i.e. after the 6 years) next year. As I want to try and get a mortgage when that happens I thought it would be a good idea to start building my credit rating up. So I applied for a capital one card but the application was…
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Serious question!!!!! and possibly good suggestion!!!!
I am off to Florida in 3 weeks and have already had a good money saving session by booking it all through Expedia and managed to get the whole cost including accomodation, flights (with Virgin), car hire and park entry...for a total cost of £2350 for two people..............which I thought was pretty good. I have also got…
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Virgin Money Minimum Payments
I intend to open a Virgin Money Credit Card offering 15 months 0% on balance transfers and use it for stoozing However I need someone to clarify for me what exactly the monthly repayments will be The Virgin Money website states: If the balance shown on your statement is £25 or less, it will be the total amount of the…
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Nationwide Card abroad
In November 2005 we bought a holiday home in Florida and on the advice of this site we took out a Nationwide Credit Card as they don't charge commision. As a "non resident alien" in the US, although we have an american mortgage and bank account we just cannot get a credit card (even a pre-paid one, without a social…
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can i get refund on cc
hi there, i had a friend over who made a call and ordered a holiday on my credit card without me knowing. once the paperwork came through i immediately contacted the company and my credit card company to explain what had happened. the holiday company said that as the holiday was booked only 4 days before departure there…
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Help!!!! Is This Unfair???
Hi (new to this), My credit card (rbs) was due for renewal, however, the company has decided not to renew it. This is fair enough, however I have been having a few money troubles lately, and have been open about this with them asking them for help. I have found them to be less than helpful to be honest. Recently I asked…
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Payment Date Warning for LTSB
Just received my statement for my Lloyds TSB Platinum card. First they charged me a late payment fee and interest in error (I pay in full each month) chap on the phone agreed that it was bizarre as my payment reached them 6 days before due date and agreed to refund charges and interest. I noticed that monthly payment date…
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Credit Cards and Travel Agents
Please can someone explain to me why are Travel Agents and Holiday Companies allowed to charge a transaction fee on holiday bookings :confused: , this can be quite expensive at times, if the same fee's applied in Tesco's or Asda I am sure they would be boycotted
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Credit Card just to take on holiday?
Hello All I am going to Florida @ the end of September for 2 weeks and i am thinking about applying for a 0% on purchases for so many months credit card to use whilst i am over there as i only have $400 saved up (Not bad since i only started saving in the middle of July, But I know i'll run out of that whilst i am there),…
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Halifax - online banking shows a card I don't have.
I have a current account and Cancer Research Visa card with the Halifax. I just logged on to check my current account and my online banking is showing another card - a Mastercard. I don't have and have never had a Mastercard with anyone let alone Halifax. I can't see any details on this card except the credit limit and the…
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Finance Charge Question
I recently got my first credit card and now I have a question about how my finance charges are assessed. The following is copied from my credit card terms and conditions: The grace period for purchases is at least 20 days. Therefore, to avoid periodic finance charges on purchases (excluding balance transfers) that appear…
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CPP Card Protection
In March 2006 I closed a Store Card. I received a letter from GE Money regarding and outstanding amount of 86.89. After contacting GE Money I was told the amount of £70 had been added to my account in May 2007 for Card Protection that I had taken out. Firstly I don't have card Protection and secondly this card was "Dead" I…
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What DO you have to do to cancel
Hi Venting. I am in process of sorting out my debt and affairs so I checked my credit files - excellent history BUT found out that two cards I cancelled two years ago are active with 0 balances: Halifax - 4K limit and they duplicated thei card with a charity one (their mistake) and that looks as if I have 4K limit. Marbles…
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Card shuffle
If I dont have enough left on my credit card to transfer all a balance from another card but could do say 100 quid can you still do that with credit card shuffle?
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Blacklisting a disabled person
Hello folks, I have a brother who is mildly autistic. He has recently moved out to semi-managed accommodation, and is getting on well with life. However, he is very easily swayed and signs up to credit cards, will blow all of the cash away, and will lend money to people that won't return it. We want to give him total…
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First Response - Security Breached
First Response Finance has warned thousands of UK customers to be wary of suspicious transactions on their accounts following the theft of storage discs from the finance firm's offices near Manchester. Story here. Check those statements. Free ID Fraud Help (Check out posting #3)
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I need help credit card application been denied
Hi i was wondering if anyone can help me.. last week i applied for a Barclaycard thro moneysupermarket.com my credit rating needs improvement and this card was the best one to apply for according to the website.. i have never had a credit card and i am 37 yrs old.. i have a personal loan thro Halifax.. HP for a couch and a…
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Advice Please. First Credit Card!!!
Hi Everyone, Sadly I have only been able to be accepted for the Vanquish card (hoping to build a better credit rating). I will be paying the balance each month, but was wondering how best to make it work for me. Thanks Suzanne
