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Credit Card Advice Appreciated
Please read the first rule of Form Etiquette - and be gentle! I am a little slow when it comes to working out finances! For various reasons, including the credit crunch and my finances being linked to my partner who has shoddy credit due to student debt hassles (now resolved), I am now unable to surf my credit cards. Egg…
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Credit Card Advice Needed.
Please read the first rule of Form Etiquette - and be gentle! I am a little slow when it comes to working out finances! For various reasons, including the credit crunch and my finances being linked to my partner who has shoddy credit due to student debt hassles (now resolved), I am now unable to surf my credit cards. Egg…
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Troubles with an online retailer
The quick story:* I ordered a laptop bag from Play.com * They sent me the wrong bag * I called them and they promised to send the right bag but I have to return the wrong one. Got an Returns Authorisation Number. * I got the wrong bag again so now I have 2 wrong bags * I called again and they said the trouble comes from…
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Close unused credit card account?
Several years ago, I decided to close a CC account as I didn't need it. Called CC company and said I'd like to cancel - lady coaxed me into just cutting up the card instead of closing account. Naively (I think), I did. BUT just read somewhere that it's not a good idea. I heard it stays on your credit file as an open credit…
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How much data to clone a card?
My other half and I had our joint account debit cards cancelled today as per our bank police had arrested someone with our cards and many others on them. The cards were of course still with us, so these would be clones. But we only use our joint account for certain limited situations - not on line purchases for example.…
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Can I transfer a £3000 overdraft onto a credit card?
Basically I am overdrawn by £3000 and since reading some of these articles I have a brainwave!! Can I transfer this £3000 onto a 0% interest credit card? If so I can pay it off monthly without incuring the £40 interest charges and £15 penalty charges per month on my current account?? Can anyone help as all I keep reading…
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Which 0% baclance transfer card
I am looking for a 0% balance transfer card - can anyone recommend one??
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Barclaycard - Not amused!!
I had my card stolen in November, cancelled it right away but had transactions on my last statement from where it had been used in Barcelona! I rang B-card and they sent me a claim form, that made out they were doing me a huge favour by refunding the money that was spent. I have since got a new MBNA card and am about to…
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Halifax - One Card MasterCard - How many transfer fees are there?
hello there friends, I am very sorry if this question has been asked before, but I am not sure I understand how a balance transfer works. I am always careful with my money (or I try to) but I have had to overextend myself a little lately and what I have done is to take out a "Halifax - One Card MasterCard - 12 months" (0%…
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Avoid M&S More Credit Card
I've just received a letter telling me due to the current state of the economy and a Corporate decision my new APR rate is 22.9 percent ! Along with other rate increase that far exceed other cards i've had. This has gone from the best card to the worst card i've owned. They have said that introductory rates will remain but…
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Fraudulent transactions made on my card
Hi everyone, This is my first post here. Today I received a statement from my Littlewoods Visa credit card which I thought was unusual as it has not been used for quite a while and has a zero balance. Anyway I have had 3 transactions during January for the amounts of: 18 Jan - £120 18 Jan - £100 21 Jan - £100 Total - £320…
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Can you apply for a card with a company again?
I've recently been actively moving my debt around to reduce the interest I am paying so I can pay off more of my credit. I am closing off the old cards as I've paid them off. In the future if I decided I wanted say a Mint card again could I reapply as a previous customer who paid off their card and shut their account?…
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HSBC Credit Card via Quid Co.
Hi I just wondered if anyone would know if this is only for New HSBC customers? I applied via Quidco a few weeks back and the card information terms and conditions have come through but my Quidco account doesn't mention it? I thought there could be a delay in it appearing but surely it would show as a transaction by now?…
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refused virgin card, advice please
Currently i have a loan and credit card with lloyds and i would like to transfer both to better deals. I've just applied to the virgin 0% interest credit card was unsuccesful:mad: i don't know what to do next, should i try another card or did this application affect my scoring and will i now have to wait before applying…
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applying for CC got a quick q
hello i am due to exchange contracts for a house in next 2 weeks BUT i have just found out my CC BT period ends (hence wanting to apply for another one) around this time too!! do the lender before completion do another credit check, so i should NOT apply for credit until after i have completed on my house purchase? or does…
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Which Co. am i claiming credit card charges from????
Hi, I am currently looking into reclaiming my late payment charges & overlimit charges from my credit card - 'Morgan & Stanley' but i am a little confused as Morgan & Stanley have recently bought Goldfish to which i now am receiving monthly statements from this new company. Who am i requesting all my 6 years of statements…
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Mint/virgin/mbna Promo code
Hello Guys The current mint deals are 0% for 6 months usual fee and 5.9 % for 9 months with 2 % fee for current customers, does anyone have the code for the 0% that came with the letter.? i have missed placed mine. I need to move my egg balance off also any code for mbna platinum or virgin cards thank you
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Money Transfers
My brother is off to Uni in the summer and i'm looking to support him by transferring money across every so often. Are there any credit card companies out there where I can transfer money to his bank account even though he isn't an authorised user on my credit card?
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Halifax 0% for 12 months on purchases - incentives?
Hi everyone I will be applying for the Halifax 0% for 12 months on purchases credit card and I wondered whether there are any incentives that can be bagged at the time of application. The reason I ask is that I applied for the HSBC equivalent via quidco.com and got £20 cashback. What incentives are there for the Halifax…
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M&S &More Apr going up
I've just had a letter to say as of 1st April 2008 the Apr will be going up to 22.9%. Just when I'm starting to get myself sorted.
