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Bankruptcy an option?
hi i'm 22 and out of uni for less than a year, i got a job abroad in the hope i could pay off my debts but as it turns out i was misled as to how much money i could save out here and so stuck in a foreign country unable to come home or save my debts so my question is this none of my debts are secured i have 3 credit cards…
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HSBC credit card
Hi there looking for some help and advice. I have a credit card with HSBC, the limit on the card is £1500 and I have maxed the card, I have recently had a child (born in January) and have been unable to make payment to the card due to buying essentials for my son(I was paying way over the minimum amount to get the balance…
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cancelling barclaycard
hi can anyone advise please - i cancelled my barclaycard on paying it off 2 years ago or so. received post releated to it shortly after rang them up they said sorry yes it's now cancelled. then a few months later the same thing happened. each time i asked them to write confirmation which they havent i've now moved home and…
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so upset re mbna payment how to in time
Husband got an mbna bus card but just realised there is a £29 fee for it charged in the first month. It has to be paid minimum payment £5 by the 31st....personal mbna cards you can pay online with working day leeway but this NOPE!!!!! It won't accept an online payment. My bank will take 5 days to set up the first one and…
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Should I go for credit card?
Hellooo, I'm new to this and was wondering whether I could get some advice... I've been paying something ridiculous on my Black Horse loan for car (something like 23%) and after a year of paying this, I think it's about time I did something about it. I have something like 2,500 left to pay, and not sure whether using a…
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Shell MasterCard from Citi
Ill start of by saying im a total noobie at this so forgive my stupidity. Has anyone got any experience of this card as a cashback scheme? http://www.citibank.co.uk/personal/cards/shell/cards_shell.htm?type=cards&merchant=citi&offer=A154 seams to have good cashback for purchases made everywhere (1%) also gives 3% of fuel…
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0% rip-off trick; BMI
MBNA/BMI 0% on bal tfr for a year + 0% on purchases for 3 months. That deal is open to misinterpretation. We are aware that any purchases on top of a bal tfr are impossible to pay off as the credits go to pay off the btfr first. However this one states 0% for months on purchases. I understood this to mean you can use the…
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Should I get rid of the cards that I've cleared when I know I'll need the credit??
(Sorry about the reaaalllly long post, my situation seems a bit complicated to me, although its better than it has been for years. My 2 actual questions are at the bottom.) I am a bit stuck as to what to do at the moment. I have been managing my debt for several years now (sometimes marginally) and I'll be at a crossroads…
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Cashplus card
Got a text from them today, and an email just now saying "We are going to be sending you some important information regarding your account very soon" and reminding me of my 8 digit security code with the note "Please keep this code safe as you will need to use it once we have sent you the important information regarding…
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Halifax CC misinformation
My husband, having listened to some of my comments from this site decided to go it alone this afternoon. Paid off his Halifax card after only having his interest rate reduced to 18.9% a few weeks ago, and asked for a lower rate. Was offered 14.9%, but wanted a 0% purchases deal. Was told he could cancel the card and apply…
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my incredible stupidity-Egg rip off
I am profoundly ashamed of my stupidity but just wanted to post this to warn anyone out there who might end up in the same trap-although hopefully no one in the world will be as stupid as I've been.Had an Egg offer of 1.85% on balance transfers and was heartily sick of the endless hassles with Citi card.So I paid the…
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Virgin Credit Card - Online Debit Card Payments
My payment is due on Fri 28th March and on the 22nd I logged onto my account and paid using my debit card. I normally just pay via BACS from my bank account. I logged onto my account this morning and no payment as shown. I checked my bank and no payment had been made. I then went back to my Virgin account and paid the…
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Barclaycard - Special Cashback offer - Beware!
Took a Barclaycard out at the beginning of last year for 12-13 months 0% on purchases. A month before the offer expired (earlier this year) did a balance transfer to Mint. Rang Barclaycard to cancel and they offered me 2% cashback on all purchases. A statement in January came out as £0, February the statement came and paid…
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Paypal and Credit card
I'm buying a laptop from my mates mum, but want to pay her via credit card, so I can pay off using my 0%. She doesn't have a paypal account as she had problems with one and didn't want to use it. Is there a way I can transfer funds from my credit card to my paypal account and then withdraw the funds into her bank account,…
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Virgin 6.7% Purchases and transfers
Hi i have just been accepted for a Virgin card following the link on the newsletter kindly sent out by martin!!! The card offers purchases at 6.7% perfect for the monthly shop but also 6.7% life of the balance on transfers. Transfers are also Free of charge so no fee of 2.98% which is normal for Virgin. I am extremely…
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Tesco Credit Card & Distance Selling Act
Hi There, I am disabled. Following an internet search, I bought a rise & recline chair from a retailer on the assurance that I had a 60 day return guarantee if unsuitable (as per a telephone conversation with their sales rep). A VAT refund was also promised because I am disabled. I paid by Tesco Credit Card. The chair was…
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DD for CC on payday
Hi, I have just been accepted and received my Goldfish-cc (and 41 quid cash back via Quidco :T ). I rang Goldfish yesterday to activate the card, and setup my DD for the full amount each month. I get paid on the 26th of each month, and would like to have my DD to go out shortly after my pay has gone in. Now, Goldfish has…
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what is payed first
Hi first post I have a virgin card with £1800 on it and a RBS card with about £5000 on. I have been offered a deal with the virgin card 0% balance transfer for 9 months. If i move my RBS over to Virgin what is payed off first, the 0% balance or the £1800 at the higher rate and if i were to balance transfer from Virgin to…
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no foreign exchange fee?
I've looked at the post office website and nowhere does it say that they don't charge a foreign exchange fee. The M&S card I have at the moment charges a 2.75% fee and since I do a lot purchases in US dollars, might aswell reduce this as much as possible. Does anyone know if the offer is still available?
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Automated Call From Lloyds TSB
Had a call from "Lloyds TSB" this morning, it addressed me by name and mentioned the type of credit card I hold with them. It asked me to enter some personal information, so I hung up. The number they called from was 0845 3312320 Phoned it back, same automated voice, and it detected who I was from the phone number (which…
