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Am I doing the right thing?
I've had a Barclaycard for a few months now and recently used it for the first time to purchase an engagement ring. I've just realised that it's a 0% balance transfer card and not a 0% purchses card as i thought. As I'm not going to be able to pay the full amount off straight away, I was thinking of applying for a Halifax…
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o% Balance Transfer - Poor Credit Ratin
Hey folks, I have a Barclaycard Visa and I'm currently on special repayment terms after a few months non-repayment (bad i know). My trouble with repaying was maybe about 2 years ago (if not longer) but I'm still on special terms - minimum repayment (obviously) and am being charged interest at a special rate of 9.9%. I want…
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Repayment agreements when over limit
I'm on a repayment agreement with NatWest for my credit card due to being over the credit limit (there's another story as to how that happened but I'll leave that for another thread!). The payment has to reach them by 10th of month and it has always reached them before this date and I have also paid more than the agreed…
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Any possible advice...?
Hi, I'm hoping to get some advice/assurance over my credit cards and planned solution! The low down is over the years I have put a lot of things on my flexible "friend" and now it's starting to hold me and my wife back! Below are my credit cards, I have no other loans but I do have an overdraft limit of £1,200 of which I…
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Would anyone transfer my balance?
Hi don`t know if this is in the wrong place or not sorry if it is! I want to transfer my barclaycard balance of £5300 to a 0% card or even something less than barclays high interest rates. I`ve just been turned down for a capital one 0% balance transfer and two last year one was the post office but i forget who the other…
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transfer £500
Hello. I have a marks and sparks (& more) credit card. the interest free period has run out and i have £500 approx outstanding. i have applied and got accepted for the HSBC CREDIT CARD that does 0 % on purchases for 12 months and 2.9 % on transfers ,also accepted for the LLOYDS PLATINUM MASTERCARD, but not sure on the…
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Advice on Credit Card Fraud
Hello, this is my first post and all advise would be much appreciated! My brother works abroad and has 2 current accounts. One he uses frequently and the other he barely touches. The one that is hardly used has an overdraft facility of 1500.00. As he is away a lot, the debit card for this is kept at my dad's house. We have…
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CREDIT CARD HELP?????Which one!!
Hope someone can help who has been in my situation. I have had debt in the past but have rebuilt my credit rating over the last five years, I still get refused for some things though, some mobile companys etc. I want a credit card, who is best to apply to who are good with people with not too good credit pasts, just to get…
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Advice, please......
:o My OH purchased a new TV just before Xmas on HP, interest free for 6 months. The intention was to pay off the remaining balance before the 6months were up. He has had an accident in work and doesnt get paid sick pay, so at the moment he's receving Statutory Sick Pay. I'm paying all of the other bills that we have, but…
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CREDIT CARD HELP?????Which one!!
Hope someone can help who has been in my situation. I have had debt in the past but have rebuilt my credit rating over the last five years, I still get refused for some things though, some mobile companys etc. I want a credit card, who is best to apply to who are good with people with not too good credit pasts, just to get…
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HELP - Just been accepted by Virgin for BT but turned down by HSBC for purchases!!!
:confused: Hi, I really hope someone can help me but I have had my first refusal and don't know who to apply for next???!!! I work part time in a supermarket and have 3 kids and have over the last few years had (and silly of me - not cancelled!!) a few different 0% credit cards which I have always used for balance…
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using a credit as a savings account
I just wondered, In South Africa you lets say you have a credit card limit of £1000 and now you put a positive balance on it say £1500 ie the credit card compnay owes you money provided you use the card occasionally - buy the shopping- you earn interest. Now can you tell me how does it work here with UK card companies,…
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1% cashback or 0% on purchases......???
which is the better deal? is it as simple as the following; the 0% on purchases is the better deal because all your spending is still sitting in a savings account earning (for example 5% after tax) as opposed to gaining you 1% in cashback? obviously you still need to pay your minimum payment. it's just i have a capital one…
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MBNA/bmi Amex card
Right, I applied for one of these and was accepted, so just waiting for the card, PIN and card chequebook (which I won't use) to arrive. Now, a chap from MBNA called (a "welcome call" they called it), and said that the account was now open after confirming they were talking to me. There's something a bit odd - I know…
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online credit card???
hi can anyone tell me if i can purchase a, pre set amount credit card for using on-line only thanks
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First Direct - What credit limit to request
We're currently remortgaging with FD and want to apply for their gold credit card that has 0% on purchases for 12 months (plan o put all our spending on it, put the monthly amount we spend in the savings account to offset the mortgage then pay it all off again before the 0% ends) It has a minimum credit limit of £3000 but…
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Assignment team?
I recently applied for a Tesco credit card. I rang them to find out if the application had been processed and was told an assignment team had tried to contact me and that until they did the application couldn't proceed. Anyone know what this means?
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Barclaycard offer
I have today received a letter from BC advising me they have increased the amount I can now take out on the card and further went on to say they are waving the fee for having a cash advance but the apri would be 26.5%. As I have a 2.9% bt on this card I will not be taking them up on their very kind offer and generous…
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citi platinum mastercard - please clarify
Hi ya, I just want to clarify this for myself. I'm looking at the citi platinum mastercard for (myself) but in my husnabs's name with my name on it aswel. and am i thinking that i will be only charged the 4.9% until i pay off all my debt even if it takes my 5 years for example and so if i cut it up do i need to ignore all…
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Capital One just tried to pull a fast one on PPI
I received a credit card from them Fall of 2007, never really got round to activating it untill today as i was looking at my credit report and seen it on there so thought i would activate it, use and pay of in full each month to help with credit score, Well,, just phoned them, spoke with Gavin, he was going through the…
