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How long 'til next application? (Super balance transfer)
Hello all - I posted this in the DFW forum as well, need some feedback. I'm getting ready to do a super balance transfer to a. move an American student loan to the UK at a better rate (currently 7.14%) and b. get rid of Barclays Additions, which is costing me £30/month (at 9.9%). A little history: being an eight-year…
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Card Insurance Cover
I've always registered my cards ; driving licence ; passport etc with CPP . That cover has just expired . Can anyone recommend the best company for this sort of cover ? Linden
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Virgin Mastercard Late Payment Catch
Thought I would warn everyone about sharp practice by Virgin. I recently did a balance transfer to Virgin and requested to move my payment date to the 5th of the month. No problem for all future payments, just not for the first month. Okay, I then asked if given the circumstances the £12 late payment fee could be waived.…
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Credit report question
Hi, I have finally got round to checking my (free) credit report with Experian. Apart from not getting the correct postcode (last two letters are wrong) for one of my previous addresses it is really good. I have a question on some of it though. I can see a lot of accounts saying settled, (i.e. old mobile phone contracts…
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Best 0% Card???
Hi guys We are (hopefully) buying a new house, but as our savings our being swallowed by the 10% deposit we need to put our estate agents fees and legals on credit card (approx £2500). Can anyone suggest the best card to have to do this? Does paying for fees just count as a regular purchase and qualify for the 0% intro…
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Egg credit card taking three months to arrive! advicedesperately needed
I have had an account with egg credit card for 8 years.I was due a new card at the end of october but it never arrived. When I contacted egg they said it had been sent on the 31st of august so they cancelled it- and my whole account.They then claimed to have re-issued a new card on the 5th of november which they said…
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Credit limits?
Does anyone know how banks/companies decide credit limits? My HSBC card has a limit of £2k, even though I've never used it anywhere above £1k, and my recently applied for AMEX (the cashback one) I was astounded to see has a limit of £2800. I really don't need that much - I only wanted to use it for my monthly shopping…
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Credit Limit Query
To Cut a Long story short... Was around £200 from my Credit Limit on My Card.. Ordered Concert Tickets for my Little Sister.. which were £186.. They are sitting as unposted in my account.. I Have a Refund to be made to my account from a Company which should hopefully clear tonight but might be another day or so.. My…
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Paypal / cashback
My amex gives me 5% cash back on purchases for 3 months. So in theory couldnt I transfer funds into my paypal account from the card... and then withdraw those funds to my bank? That way Im getting the money out of the card and into my account, making 5% all to myself?
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Free return flights (airmiles) with Lloyds TSB Arimiles Due Credit Card
Hi I was on my way to work, and was given a leaflet (have not checked it yet, but it all looks legit). it says... Apply for an Airmiles Duo account (Typical 15.9% APR variable) and you'll get two Credit Cards on one accounts - a Lloyds TSB Airmiles Due American Express Card and a Lloyds TSB Airmiles Duo MasterCard. What's…
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Barclaycard insisting on monthly repayments
I took out a Barclaycard recently on a 14 month 0% offer and when I rang to activate the card was told I had to set up a direct direct every month to pay the balance off. I have done so, but really I can't afford for that money to be going on a 0% debt when I have other debts to pay with bigger APRs. Is there any reason…
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Abbey/Santander Credit Card - what a joke!
Myself and my wife have had an Abbey card for a few months now. Rather than re-type our problems, below is a copy of a letter we sent to them appx 6 weeks ago regarding our account : We have been in possession of an Abbey credit card for approximately 6 months now. Unfortunately in this time we have encountered a few…
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"charge off account" - but I'm not in debt!
Hi folks, I just checked my credit card statement and saw that the line "charge off account" was added to it yesterday. I had to look this up and was pretty concerned with what I read - I glean that it's some kind of bad debt write-off. Bad debt write-off for what though? I'm not in debt. I pay off my credit card in full…
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NatWest Credit Limit
Hi, I applied for an Natwest Credit card online and it was approved immediately but I was given a credit limit of £1200.00. I applied for the card to transfer a balance of £2500 but they have provided quite less than that. How are Natwest in increasing credit limit for new accounts? Thanks SM
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Quidco offering £20.00 if you have egg card
Hi All, this may well of been mentioned before, if so please accept my apollogies Quidco are offering £20.00 for succesfull applicants who sign up to a Egg visa Card (NOT egg Money). I have to say i have not done this myself as a i already have enough cards. It offers 0% for up to 14 months on balance transfers (3%…
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Timing
Simple question - how long did your most recent balance transfer take, from the day you made the call, to the balance appearing on the new card? I ask, because I'm thinking of moving a balance off a card temporarily, then moving it back on a LOB deal, but I don't have long to do it!!
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New Mint Offer
Just been offered (unsolicited) 0% on BTs until Nov 08 (no BT fee) then reverts to (currently) 17.95% Or 3.9% for life of balance. No BT fee. Looks too good to be true- or is it that the people who set the markets have sussed out that this time next year, interest rates will have moved south?
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Sainsburys Credit Card Free Points
Sainsburys have introduced a 'new' credit card offering extra Nectar points. If like me you are already a Sainsbury card holder & would like 500 free Nectar points just 'phone 0800 032 1365 select option 1 (applying for new card) explain that you are already a card holder & are annoyed that the extra Nectar points are not…
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Cheap credit card for car insurance
i can buy car insurance for my son with Ecar for £1200 he is 18 on the 28th nov. with ecar they want the money up front, one payment. other car insurance are around £1400 but when you pay monthly installments there is a small apr charge so the insurance goes up a few hundred quid. one way to save money is by getting the…
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Help - They Re-Activated My Credit Card
Please can someone help me. I cancelled my Sainsbury's Credit Card 2-2 1/2 months ago, and now they have reactivated it!!! They said I had £10.01 on the card (i had paid too much!!) and then 2 months after i closed my account they have reactivated it with a £50 charge for Cardguard (the HSBC card insurance - i had no…
