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Paying off store card with credit card?
hi all, this may sound like a stupid question but here goes: GF and I brought a bathroom suite from B&Q in the sales just after Christmas. It was 0% for 3 months so we are waiting to settle on the next statement. Current balance is about £600. What I would like to do is apply for a 0% purchase credit card in my name and…
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Are credit card issuers still increasing limits
With the so called credit crunch. Are card suppliers still automaticly raising your credit limits, without asking for increase? How often do they access your limits for good account conduct etc. Intrested to hear if you have had your limits increased without asking, or lowered without notice.
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Any C.C's that DON'T charge you to buy in USD?
Hi, I purchase quite a bit of stuff in USD, but don't want to get a USD bank account. are there any uk credit cards that don't charge to buy in USD from a GBP account? at the moment im paying about 2.75% extra which quickly adds up. i also pay in a lot of usd cheques, so if anyone knows of any bank that doesn't charge to…
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Egg 5% Discount at Dixons
Whenever I have done this in the past I have accessed dixons via the egg website and always been credited with the instant cashback after the purchase. Now you have to type "EGG47D" into the voucher box when at the checkout stage ay Dixons. Anybody else had a problem with this? Dixons says the code has expired but…
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PPI on creditcards
I lost my job about 6mth ago i had ppi on my credit card.I could not make my payments which incuded my ppi payments. I wanted to make a claim for being unemployed and the credit card company said i could not because i did not keep up my payments does anyone know if this is correct
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Your #1 Credit Card Mistake
Looking back, what would you say the single most grievous misuse, abuse or lapse in judgment with your credit card was? Mine would have to be getting my first card in college, before I had any kind of stable employment (followed closely by the dreaded Cash Advance!)
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Mercers & Uk Debt Overseas
Hi there. I moved overseas about 9 months ago, and i have been paying off my MBNA card regularly at reduced payments. I also have a barclaycard which Mercers are dealing with. They have accepted reduced payments, but have said that I am never goingto pay the card off, and in the past have threatened me with doorstep…
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Is it too easy to apply for a CC online?
I recently applied for a CC online for my wife (she asked me to do it for her) and the ease of which it was done, makes me wonder if the cc companies don't encourage fraud. It was a very basic application, date of birth, address, annual earnings and click to confirm acceptance. I didn't tell any lies, but the info given…
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has being a card tart been a good idea
This might sound like heresy in the church of Martin but please forgive me. During the last few years there has been an extraordinary amount of energy used in jumping from one card to another in the name of 0%. The focus has been always on getting the best rate and "winning" some sort of game against the card Company's.…
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Balance transfer question - think I've messed up!
I have a question about balance transfers. I recently transferred two balances of about £2,500 onto a 0% for 6 months on my lloyds card. I bought a car yesterday, and decided to pay for it with this card, intending to transfer the balance to my Citi card, which is offering 5.8% for life of balance. However, my credit limit…
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credit checks impact upon score??
Hello, and a very happy easter to all!! Can anyone please confirm the impact of making a credit application has on your credit score. I read on checkmyfile that it did not impact, but it seems to indicate at various other places [on this site] that it will have a detrimental effect. I recently applied for Egg Card…
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The True Meaning of "Your application plication has been referred"
When you apply for a credit card or other credit product online and the application promises an instant decision - what does it mean when you get neither an Accept or Decline but instead get a "your application has been referred, we will write to you within 5 business days" message? Presumably if your credit score is high…
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Moneybookers
Have received a charge on the 20th on my CC from Moneybookers, who I had never heard of, and as it is in Euros, 59.99 euros in fact, also a foreign exchange fee from the CC company. Pretty sure I have not made a Euro purchase lately so rang CC for details, but they had none. Now I have to ring "disputes" who are of course…
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Credit Card Fraud - What now?
Last month I was a victim of a theft and the thief got access to my credit card and charged over £2500 worth of merchandise before cards were cancelled. Since the thief was able to break the pin, the bank has refused to honor the claim. Anyone know if there is a way to force the bank to pay up. I did not give the pin…
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Can someone sanity check this idea?
I'm thinking of buying a car on my existing Egg card (if I can find a dealer that will accept...) - I should then apply for a new card within the time before I get my bill from Egg, then balance transfer to the new card and so on... Does this work or am I missing something?
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Sons worried trip to oz?
Hi My son will be travel out to Australia in July and wanted a credit card to take with him for paying small deposits on hostels on the net as it is far cheaper and that way he is guaranteed a room. But he has tried applying for credit cards, debit cards even with his own bank but nothing all he has is a cash card for the…
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Ge Catipal Help Needed Fast
Ge Capital Have Done A Search On Me But I Havent Applied For Anything Of Them What Can I Do Im Panicing
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Transfer 3 balances to 1 card
Ive got 3 credit cards 2 in hubbys name and 1 in mine and i would like to get a new card and transfer the balances, would i be able to do this? Sandra
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Does it look bad to request lower limits?
I've just managed to clear my card debt, and on 3 of my cards with high limits I have requested lowering limit to 10k each I didn't want to cancel them and was planning to lower gain but one of my friends said credit card companies look poorly on this? They all agreed instantly over the phone but wondering if I should stop…
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Barclaycard - billing & payment due dates
I am a Barclaycard customer for more than 10 years now and have always paid in full on the date. I noticed that they've recently changed billing date and also brought my payment date forward (20 days from the billing date). This means I get lesser days of interest free credit. Their customer services told me that this…
