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Overdrafts
Hi, I hope someone can help me please, I have debt in the form of an overdraft with HSBC and debt on 2 credit cards. I am wanting to put all 3 of these together on a 0% interest credit card. Is this possible? I never see anywhere saying you can transfer debt from your overdraft so am unsure if this is possible. Thank you…
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Applying over the phone (Virgin)
I'm going to apply for a Virgin CC (either 6.7% LOB or 0% 3 months) and have just hit a possible stumbling block. Having been through the online application process, I've recognised where they'll turn me down - in putting myself down as a student because I don't work full-time. Instead I work part-time (usually putting in…
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Abbey error ?
:confused: My previous Abbey (card is the grocery cashback offer version held since October last year) statement stated "£0.00 estimated interest on next statement", got new statement today - interest £8.28 (no cash advances) Have they made an error ?
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- Which credit cards are EASIER to be accepted, in todays time ? ?
a)Can you name 4-5 credit cards which have a greater chance to have your Credit card Application ACCEPTED, rather than rejected.. List some cards which easily accept your application, from your knowledge or experience. I know credit card applications rely on a number of factors, (your income, your credit history, your age,…
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- Has the Credit crunch affected NEW credit card applications?
The credit crunch and additional credit options have made it HARDER for people to get finance(loans, mortgage etc), compared to 3-4 years ago, when almost anybody could be accepted for credit. So it is generally harder now to be accepted for credit. Does that mean it is harder to be accepted for a NEW credit card? compared…
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Credit card suggestions for (possible) poor credit
Hi all. Apologies if this is a little rambling. First post, so please be gentle .... In my younger days I had a very slack attitude to credit. While I never borrowed large amounts, I would frequently leave £5 on my credit card for a couple of months, or leave my account £2 overdrawn. Such idiotic behaviour has obviously…
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Nectar Amex card, possible mailing scam
I received a mailshot in the post this week purporting to be from Amex Nectar card which asked you to go to a web-link and enter your name and a PIN number from the mailing (to get extra Nectar points). However, when I clicked to confirm the entry of my details on-line, I got directed to an extremely dodgy looking URL of:…
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Direct debit & 1st payment question.
I'm a new Mint CC customer and have today set up my Direct debit.My first payment is due according to my statement by the 10th May. I'm a bit worried that the DD wont be setup in time and payment being made late to Mint. Could this be a possibilty or am I worrying unnecessarily..? I've worked so hard recently to repair my…
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Lloyds Tsb
Hi, I am not sure If i have posted in the right place...If not sorry. I have recently had 2 charges from lloyds 1 for £69 for being £1 overdrawn for 1 day and another of £75 for being overdrawn for not even a day. I obviously complained to them. I recieved a letter from them the other day saying that they will not be…
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Overdraft to Credit Card
Hi I am £1500 overdrawn in my lloyds tsb account is it possible to transfer this to a credit card to pay off? If not i was thinking of a credit card with ccc at 0% do they exsist? Many thanks in advance ;)
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Morgan Stanley Scum
Hi Everyone, I have just got off the phone to Morgan Stanly and I am outraged and needed to get my anger out by posting my rant! Last month I closed my account because I don't agree with paying £20 a year for the card so I decided to cancel it, up o this point I had £29.94 cashback. I asked if I would receive the cashback…
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Sharp Practice by MBNA
I thought forum members should be aware of some sharp pratices by credit card company MBNA. I pay off my card in full each month, which is obviously not popular with the card company. However, I was 1 day late paying in February and hence incurred interest on my March statement. I was surprised to find interest also added…
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Balance Transfer - Balance showing on both accounts
Hi Guys, I'm in a bit of a pickle! Last week (14th April) I transfered balances from my Virgin card (interest 29.9%!) and Asda card (19.9%) to my Halifax card who'd offered me 6.95% for the life of the balance. They told me it would take 7 - 10 days to go through. Fine. I've just checked my accounts to see if the transfer…
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Credit Card Dispute Process.....
I have a dispute with EGG re my Visa. I thought the VISA / CC process was as follows : 1 : Contact Retailer [assume they don't resolve] 2 : Contract CC company 3 : CC company refund the disputed amount AND contact the retailer for resolution. 4 : CC gives retailer 90 days to response. 5 : Assume retailer agrees, consumer…
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Effects of credit crunch on credit card declines
I have just read an article on the Telegraph site about 18,000 people a day being declined for credit cards. I have a credit card with RBS that I use to clear a debt at 0%. I've had it since last June with 13 months 0% on balance transfer. It has a limit of £3600 and the balance is about £1200. After reading the article, I…
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Barclaycard Inital reffered, rang up want a bill or statement???
Hi guys, i applyed last night for a BarclayCard inital. Rang them up today, wanted to see if i got rejected! So they pull up a letter they have sent me and they want a statement or something to prove my address from the last three months. Is this Standard for people like me with no credit History, or are they just mucking…
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Barclaycard won't accept my payment
:mad: (x posted on Debt Free Wannabee Board) Have just come off the phone with Barclaycard. We have started to try and sort our finances out and I posted my SOA here recently. It has taken far longer than anticipated and as it was my son's birthday this weekend, we didn't get much further than we were at the end of the…
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Transferring loan to CC during 0% period..
I hope someone can advise me as I'm at work at the moment and dont have my T&C's with me to check. I have an Egg loan which I'd like to clear using funds from my Mint CC which is 0% on BT's from other cards only.I know I cannot just simply BT the loan so I am I right in thinking that I'll need to transfer the funds into my…
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Capital One CC Query
Hi first time poster on this forum but I regularly read the all of the forums. I have a Cap 1 credit card at the rate of 30.340 %. ive had this credit card for 3 and a half years and this is my only credit card i was curious to find out do Cap 1 have a loyalty number i can ring up to ask if they will reduce apr seeing as…
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Goldfish, credit file and blame
Hi there. Hopefully someone out there can help me with some advice on how to proceed with this problem... My wife has a Goldfish credit card that she rarely uses. We moved house just over a year ago and as a matter of course we changed our address with all our cards and banks. Last September my wife used her Goldfish card…
