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paiement taken 4 times
Hello all. This morning my husband has bought his monthly train ticket. He tried 3 times at the machin and couldn't get it done so he went to the cashier and process with not more trouble. When i checked the bank account i was surprised to see that the available amount was so small but the paiement doesn't show yet. I…
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Help with changing credit cards
Hi, I'm wondering if anyone can help me. I have a credit card with RBS and recently transferred some of the balance onto a loan so that I can pay it off. I left about £1,500 on the card and am now looking at trying to find a credit card with 0% interest on balance transfers. I have no intention of spending on the card but…
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Help pLEASE- Nubie choosing 1st card
Hi All, Well the time has come for me to get a Credit Card - I have resisted so far as I have no real need and was always afraid of debt. SO here goes, I have chosen to get a card due to emergencies as I travel extensively and in some countries (ie Cuba) maestro is not good enough. I mainly use my switch/maestro and only…
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Egg MONEY cancellations?
Just to clarify, has anyone received notice their egg MONEY (i.e. mastercard) is being cancelled, or is it just the Visa people who are being targetted? Thanks:beer:
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Which offer should I choose?
Hi, After a long time working hard and paying a lot of money off our credit cards. My husband has finally been sent a balance transfer off by Barclaycard. The balance on his Barclaycard is currently £902.15 APR 27.9% :eek: He wants to transfer his MBNA card balance £3364.86 APR 27.9% He has a choice of two offers: 0% until…
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Credit Card Debt - Any ideas?
Hello to you all. I am currently at my wits end with my credit card situation and not sure what my next step should be? I currently do not spend any more on the following 4 cards and they are all cut in two and hidden away until they can be paid off. My current credit card situation is as follows: HSBC – owe £3,665 (Credit…
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EGG customer card cancellations..!!!!!!!
I saw a news report on early Saturday news which stated that EGG are about to cancel the credit card accounts of over 100 000 customers who are rated as high risk.. I have an EGG account and unfortunately, am fairly certain I fall into the high risk category.. If they cancelled my account, would that essentially be the…
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Interest question
I'm trying to do the credit card shuffle, using Martin's worksheet. Could anyone please explain how I calculate an interest rate that is only shown on my bill as a monthly rate? I assume the sheet is set up to work out on an annual rate, but I'm a dunce as to how to convert it. TIA Lynne
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'Egg Money' Loan Balance transfer problem...
I followed martin's advice to help lower my APR on my EGG Loan. Basically, apply for Citibank Credit Card, then get Egg Money Card and do the switch thing... i find out if i am accepted for my Citibank Credit Card tomorrow, but in the meantime i have been turned down for an Egg Money card (due to my situation with Egg). In…
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Credit Card Phobe!
Please help. I need some money for about 3 months until i can get a job. (I'm a student on placement for 40hours a week for free, but soon im only going to be at university one day a week!) Oh and ive maxd out my student overdraft, I'm reffering to the http://www.moneysavingexpert.com/redir/dabee31d mentioned in the weekly…
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credit cards making me suicidal
Dear MSE Forum please help. I am at my wits end, I can't sleep, eat and am gnawing at my fingers because of credit card debit I see no way out and feel totally trapped. I know some might be unsympathetic in that if I take cards out I shouldn't complain. However I really think that these companies are walking a fine line…
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Credit card section 75 question
Hope someone can help. About to book a holiday through a private owner - cost of holiday £600 odd but they want a deposit of £100 now. They offer the facility to pay by credit card with 3% charge for doing so. I know that I will get extra security due to section 75 so thinking it's probably safest to do that, but my…
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0% credit cards for use on paypal
Hello I was just wondering if i apply for a new cc with 0% on new purchases and transfers for 12 mths and then add it to my paypal account will i still get the 0% if i send somone money via paypal or is it treated as cash withdrawl. I want to by a Bike off of a private seller for £3000 witch i will be able to payoff within…
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What Flight Points Credit Card Is best?
The In Laws have their own building company and pay allot of their bills for materials with personal debit cards. I have been on at them for ages to get something for their big spend like airmiles. What would be the best card for them to get like Virgin, BA amex (free companion ticket?), Tesco (and convert clubcard points…
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Tesco cc took full balance in error!
I am really annoyed with Tescos cc, I recently set up a direct debit for them to take the minimum payment (this months being the 1st direct debit) only to find that they have taken the full amount of nearly £2000, which has taken me way over my overdraft limit and I will now be caught with bank charges from Lloyds tsb, I…
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Credit Card to buy a car
Hi, I'm thinking of buying a new car and need to borrow £9000 over 5 years. A loan would cost me £1600 in interest, is there any reason why I can't get a new 0% card every year and pay the same monthly amount but pay it off quicker. I've not done exact calculations but it would appear cheaper than the loan even taking into…
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ccjs on credit card debts that have defaulted
at what stage do creditors tend to apply for ccjs? If you have been making repayments for years, but then get into difficulties and are unable to meet the arrangement, do they then automatically apply for ccjs, or are they just using scaremonger tactics if they threaten to do so?
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EGG - Barclaycard....Who's Next ???
Just that really - wondering who will be the next CC provider to make swathing cuts in it's portfolio. Anyone any: 1. inside info? 2. guesses? 3. inspired predictions? Should make for an interesting debate......
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kaupthing edge?? Worrying!!
I may be over the edge(pun intended).... There is a new financial institution(not sure if it is a bank), looks like a denmark based institution. Offering extremely good interest rates over 3 year period(6.8%) but worrying thing is their only products are savings products. no lending. I am wondering how they generate an…
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Why is 999 a POOR credit rating?
My wife has a credit rating of 999, which is one point shy of perfection. Despite this, she was turned down by both Barclaycard and Capital Card when she applied for their lowest APR credit cards. She checked various rating agencies, all of whom appeared to give her a nigh-perfect rating. She wrote to both above mentioned…
