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Help! How do balance transfers work?
Hello. This may be a stupid question, but can someone please tell me – in simple terms please! – exactly how balance transfers work? I have two credit cards. A Nationwide Visa card and a MBNA Visa card. I use the Nationwide card exclusively and my MBNA card hasn’t been used for many months. I always pay my bill off in full…
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Balance Transfers
This is my 1st time of posting so please bear with me! If my husband takes out a new credit card can he have a balance transfer made to it from a card that's not in his name...i.e. one of mine?
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Incorrect Default hindering credit
hi folks, Other half was having problems getting a cc so we got the credit reports. We had 2 mobiles with 02 and closed the accounts but note on Experian they have one account satisfied and the other default for £12 and on Equifax have both accounts down as default. They are saying when we closed accounts we switched to a…
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Abbey National Credit card 0% until August 2008 and' NO' Handling fee!
Hi, I have an Abbey National Credit card which is issued through MBNA. I received a letter the other day offering me 0% on Balance Transfers until the 1st of August 2008 and the handling fee would be £3.00 minimum or 3% with no maximum. I also have some other credit cards with MBNA and received an e-mail whilst I was away…
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MBNA Application
I applied for an MBNA Platinum Card over 10 days ago and have heard nothing. Normally by now you would have thought I would have received a rejection letter if it was a negative response. Anyon else had this type of delay
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Late Payment - Postal Strike
I've just received my GM card statement, which included a late payment charge of £12 because they claim they received my cheque on the 29th October 4 days past the 25th deadline. I checked my cheque book stubs and as always I sent the cheque off the day the statement arrived (8th October). I rang GM to complain and got put…
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Claiming Ppi Back From An Old Loan
:confused: CAN ANYONE HELP ???? I HAVE TWO QUESTIONS:confused: I HAVE AN OLD DEBT WITH THE HSBC WHICH I AM ASHAMED TO SAY AM STILL PAYING OFF IT WAS A LOAN I TOOK OUT ABOUT 4/5 YEARS AGO, I GOT IN TO FINANCIAL BOTHER WHEN I SEPERATED FROM MY EX HUSBAND (BUT THATS ANOTHER STORY). DOES ANYBODY KNOW IF YOU CAN CLAIM BACK THE…
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Capital One Letter
I have been refused for capital one 3 months ago and since then every month they send me letter to apply it again and i really don't want to apply because i know they will turn me down as their criteria is bit different. Has any one experienced the same.
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Which card for dubious credit?
Hi all, I'm trying to get a credit card for a short period of time - less than a year. I have just applied for a Sainsburys card but it was refused for some reason. My credit is not bad. I own my own home, I have a decent income, I don't miss payments on mortgage, am on the electoral role, have lived in my property for 8…
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BT off a card and then back on?
We have an HSBC balance transfer offer ending December 07. They've sent us an offer for another balance transfer (same rate 3.9% at 2.5% fee, for six months) so I'm guessing this is to try and trap us into a higher rate. However, we have an Egg card with a no BT fee at the moment, so could we move the money off HSBC to Egg…
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balance transfer from mbna to morgan stanley
Hi, I've got £4681 owing on my Mbna and have a £4200 limit on my morgan stanley with no debt. They are offering 6.9% balance transfer rate but with a 2.5% fee. Mbna are charging me 12,9%. I 'should' be able to pay off the debt in the next 6 mths but might not manage all of it - should i bother moving - will i save money -…
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Refused an Egg Money card
Hi guys I have just applied online for the 1% cashback egg money card, because firstly I haven't ever had a credit card before and want to build up my credit rating and also like the idea of the cashback. As the egg money is basically changing plastic for spending which would be great for me, as I seldom carry cash. Yet…
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Money taken from my card without permission from hmv
Hi I recently ordered off HMV.com and the item never came. After 2 weeks after the supposed dispatch date I told them to cancel the order as I'd bought it from the shop by then. They offered to refund me, and then charge me to send a replacement. I said I would accept the refund but did not want the replacement seeing as…
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NATWEST CARD 0% on balance transfer ripoff
I took out a natwest credit card which offered a 0% on balance transfer and 3 months free interest on purchases. I transferred a balance from my other cards (which they charged me a fee for) I used the 3 month interest free on purchases with the intention of paying off at the end of the 3 months HOWEVER it turns out that…
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Hats off to John Lewis Credit Card
Three cheers for John Lewis - At a time when the credit card companies are going for our collective jugular vein, it is refreshing to find John Lewis Finance playing the game , fair and square ! I have just been given a 2% BT with £25 capped charge. I have already had numerous 0%, 3% and 4% offers in the past. Excellent…
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Protect your bread from the Bread Card
I recently applied for a Bread card and it came to me pretty promptly in the post but since then I have been plagued by endless problems regarding activation and usage. They are trying to be helpful but aren't very helpful at all. :confused: Anyway, my post is not a Bread Card whinge but rather that I was on one of the…
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Capital One 0% Blance TF with no handling fee?
Some info for anyone interested in this card mentioned as one of the last True no cost balance transfer cards I applied for this card and it took Capital One 2 weeks to respond and they sent through an application form for an alternative card for 0% balanc TF but with a 3% handling fee- So it looks like this offer has…
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Paying by CC
My son wants to buy his sister's car - is there any way he can pay for it on a 0% credit card, or will he have to take out a loan?
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Help with my Credit Card
Hello All, I need your advice and help on my Halifax Credit Card, I currently owe £7000 and paying back £150 monthly. His there another Credit Card I can switch to with the balance and maybe the repayment will be a bit lower, have been hearing about switching of credit cards but do know what's its about. Your help will be…
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Please, please, please help. Credit card provider giving me the brush off!!!!!
I have an ongoing problem with my Credit Card provider and they have given me the brush off and I just want some advice to know who is right. Quick summary. Last November we had a major fire at home, which meant that we were not able to live in the house for 9 months. Whilst the insurance repaired the fire damage, my wife…
