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help please?
hi there i have a bank of scotland one card which has maxed at £3000 due to me over spending,i have a very good credit score from experian and have never missed any payments on my other loans and other stuff. i can afford the repayments on the one card at this time although the interest is making me wonder if i should…
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Capital One Classic Card
Hello, I have been viewing this forum for a while now and have learned over the years, however I just wanted to share my past experiences with those who may be interested. I have now been discharged from bankruptcy since May 2006 (original bankruptcy date May 2003, please note I live in Scotland). All detrimental…
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Card merchants/accepting card payments
Hi, I don't know if i'm in the right forum so if anyone knows a better one feel free to move the post. I'm just about to launch my new internet business, and will be relaunching my other one. Essentially I need a way of taking phone/internet payments. It doesnt matter about face to face payments, I dont need a card…
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Can't transfer balance off Lloyds TSB card - help!
Hi everyone, I was wondering if anyone knows anything about my problem because I would be so grateful for any advice. I am desperately trying to transfer a debt of £850 off my boyfriends Lloyds TSB student credit card onto a 0% balance transfer deal, but it's just not working, and it's driving me insane! I've already had…
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Egg Question
I have had my egg card pulled in their cull,which was fair enough as i was maxed out but never overlimit,and never missed a payment.i was a bit naughty this month,and went 50 over my limit,as i thought !!!!!! their taking the card anyway.so when i went on site there was a big message alert saying im 50 over clear…
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Quick BT question - will this work?
Hi All Looking to pick someone's brains and check my plan below will work and really just sense check it with experts! Using A, B and C to refer so I don't confuse the names around! Credit card A - 0% deal, just taken out. £7.5k limit, already BT'd about 6k to it, leaving 1.5k (or 1k for BT taking 95% rule into account)…
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Mint Card- Problems with Service
For the last 12 months i thought i had a small balance on my card (Less than £20). Today I rang toclear this as I recently found out it was potentially damaging to my credit score to have cards with zero balance wasting away.. Anyway, when i rang they said my balance was a whopping £650!!! I have had no contact from Mint…
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Financial Novice Needs Help
Me and the lady wife are a bit baffled by "stoozing" what we would like to do is that we require about £2,000 to pay for a new combi boiler as ours is getting a bit cream crackered, and the gas fitter will only accept "preferably cash" or a cheque, we were thinking of opening a new credit card with 0% on balance transfers…
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Barclaycard Leisuretime offer.
Ive had mail from them with a free £40 petrol voucher if you take a member ship with Leisuretime-30 day free trial cancel in that time if you want-or continue at £69.99 per year. Has anybody subscribed ? Any snags ? It looks a nice freebie if you play it right.
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Maxed out credit cards question.
I have four cards with different balances and interest rates, all up to their max. Should I attempt to get one to take the other even though I'm pretty sure my credit rating is poor? Should I bluff that one has made a better offer to take on the debt to get a better deal?
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Help: how do I get MBNA to remove incorrect data?
In early 2006 I started receiving debt recovery letters for a debt on an MBNA card. I have never applied or owned such a card. After contacting MBNA, Link Financial the debt collection company, Equifax, The Commissioners Office and my MP, in 2007 I received letters confirming this debt would be removed as someone had…
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help with choosing a credit card for balance transfer please
Hello, Please could you assist me to choose the correct credit card, one with low rate, charges, fees etc for a balance transfer of about £3000. to be honest i don't know alot about cards and tend to choose one's with the longest interest free period and don't always get a new one when the period finishes. I have a debt of…
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Missed Payment on Mint Credit Card
Morning all, I am after a little bit of advice. I recently transferred a balance from my HSBC Credit Card to a new Mint Card to take advantage of their 0% deal. It all got accepted, I set up a direct debit instruction straight away to take minimum payment each month and received confirmation of this. However today I have…
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Barclays reducing credit limit
Hi all, I hope this is in the right section. I needed advice on Barclaycard. I got out a new Barclaycard One pluse credit card in November 2007. Since then this has been my usage: November £224.98 -Paid Fully before due date December £442.93 -Paid Fully before due date January £649.19 -Paid Fully before due date February…
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Quick CC payment question
Hi, I made a few purchases last month and have made payments, but I need to know if a refund is considered a payment with reference to "paying the balance so I don't pay charges next month". I spent £639.19 last month (statement bal to be paid by 15th mar) paid £240 cash end of feb(bought something for kids online and they…
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Paypal and Egg Credit Card: Fee?
Hi, I have just logged into my Paypal account to be confronted with a message that I am "nearing my £1700 received funds limit" and that I need to provide further information for the limit to be lifted. This entailed me transferring £1 from my registered credit card to Paypal so that I can enter an "Expanded Use Number"…
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Help: how do I get MBNA to remove incorrect data?
In early 2006 I started receiving debt recovery letters for a debt on an MBNA card. I have never applied or owned such a card. After contacting MBNA, Link Financial the debt collection company, Equifax, The Commissioners Office and my MP, in 2007 I received letters confirming this debt would be removed as someone had…
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Bit confused with CC bill
Hi, Just after some advice in regards to the above, please. My oh and I decided to put our CC debt (2 cards £8k) on to our mortgage because we were struggling to keep up with the minimal payments. Everything went through and I paid off both cards. When the next statements came through, one said £0.00 owed and the other…
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Halifax 0% Mastercard - paying off BT
Like many people here, around October last year I signed up for a Halifax Mastercard with 15months 0% on purchases and 6months on BT. I did a BT and since then I have hapilly been spending on it. The BT 0% ends in a month and I assumed I woudl pay off the amount that I transferred to being with, then the remainder…
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Pre-Pay Money into Cashback Card to Make Purchase
I want to make a large purchase that is higher than the credit limit on the card...Its one of the Cashback type cards. Is it possible to make a payment to the card I want to use, in order to get a positive balance on it? I could do this with an Egg Money Card for 1% Cashback, but there are better cashback cards (AMEX) out…
