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Rewards card for paying wedding off!
Hi guys, use this site all the time and love it. First post however...here goes! I have 20,000 to pay off the rest of the wedding thats happening in July. I was thinking, would it not make sense to use a rewards credit card and pay off the entire amount in full each month (or immediately when i get home from my purchases).…
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How Strange
My wife has had a Capital One Classic card for 4 years and has recently started looking for a card at a lower rate now her credit report looks healthier. In Jan she applied for an Asda card (Ge Capital) online. There were no credit checks for years prior to this application. There was no instant decision but she was later…
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virgin credit cards in same family
recently taken out a virgin credit card for the 0% finance deal. Now hubby thinking of doing the same-do the companies do a check on you personally or as a couple-is it likely to be turned down because they have recently provided me with one?thanks lots
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balance transfer to bank account?
I have received one of those routine letters from my credit card company with blank cheques for either a rate for 6 months or rate for life of balance.Just wondering if I clear all my debt from the card-could I then use one of the cheques and pay it into my bank account? The life of balance deal being offered is cheaper…
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Quick and easy Credit card question! HELP!
I currently have no credit cards and only have a debit card with my main account / ISA account and savings account. I am a student with a part time job of average 2 days per week. I have no "debt" apart from my student loan and the agreed overdraft of 1000 pounds of my student account which i have the funds available to…
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HBOS credit card problem
I attempted to use my HBOS credit card today for the 1st time. It is 0% for a year card & I transferred a balance on to it in January. I currently have a balance on it but no other debts apart from a joint mortgage with DH which has always been paid timeously. The card was refused today. On phoning HBOS they said a stop…
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Which credit card?
Hello, we have been with Goldfish for years, and get points with our spending , to use in Marks and Spencers, Currys etc., Just had a letter saying Barclaycard have bought Goldfish, they operate we understand from India, we are not going to carry on with them. We pay in full every month, has anyone got any recommendations…
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Failure to reply to CCA request - 1st credit
hi all, i sent my cca request to 1st credit and they never replied. so after 12+2 i sent them the letter saying that they are in default. i have now got this letter today: I refer to your letter dated 7th april 2008 we have asked our client on a number of occasaions to provide a true copy of the relevant agreement. we have…
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Section 75
Well we went into a contract in Jan for a new bathroom total cost £6.8k. We advisrd a completion undertaking of April 1st completion. The deposit of 2.4k was made by cc. The company dragged their heels with installation and didnt start until mid March when they came to remove the old bathroom and do some remedial work. I…
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Barclay Visa Card elderly parent needs help!
My mother has a Visa card with barclays and is in her 70's she has been ill this past year and can no longer do her PT job and finding the re-payments hard. Can she call Visa and request they freeze the interest and lower the payments please? She does have some savings with a building society, will they be able to find…
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'amateur' question re credit card interest
Hi guys, first time poster and relatively new to the whole idea of credit cards so go easy on. Apologies if answer to this question is obvious, but I am finding some of the technical language on my credit card providers website rather confusing! Anyway my question is as follows: on my online statement it says 'estimated…
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Step into my shoes
This should be fun for you all - consider it a 'pet project'! I'm a final year undergraduate student (about to move to a postgraduate law conversion course for two years) so I won't have a £15,000+ income until 2010 at the earliest. Bear that in mind when considering the following. I currently have two interest-free…
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Can't benefit from any credit card deals
Hi everyone, I am a UK permanent resident. However because I am not a citizen, I can't vote or register on the electoral rolls. This means whenever I apply for creditcards I get rejected. It took getting permanent residency to get a proper business account as I was getting rejected for that left and right. Once I got…
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Can you do a 0% balance transfer from a bank account?
Just applied for the barclay card credit card which includes a 0% balance transfer rate for 14 months. I've done this to transfer my overdraft so I'm not paying the interest fee's while I pay it off over the next 10 months. Will this work or do I have to transfer from a credit card? thanks
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Virgin money up to 34.9%apr!
Got a letter from virgin today, rates on my card are going up to 34.9% apr. I just paid off a big chunk of it and only have £500 left so that was good timing. I think I'd better pay that £500 off as soon as I can!
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Direct Debit not set up when you think it is!
I recently applied for a Virgin credit card with 0% balance transfer rate. All well and good. Because I gave all my bank details on the application I assumed (my fault!) the direct debit would be set up by them. It isn't! It's down to the customer to set it up. They don't tell you that. They don't send any forms out. When…
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New MBNA deals
I've an MBNA deal coming to an end in June and don't want to reapply for cards at the moment. What kind of deals are they offering to existing customers? Also, I'm checking online and the deal end date is June 2008...if I do nothing (apart from pay up), does it automatically come up with a new offer when I get to June?…
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Low credit score 654 - which credit card is best?
Hi, I have a low credit score of 654 and have been turned down for a mortgage because of this by the Post Office (Bristol and West). I want to boost my credit rating and get a credit card which I will pay off completely every month. Which one should I apply for, I don't want to be refused as this will knock my credit score…
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balance transfers
hi all i have an argos card with a balance of 998.00 and an existing car loan on my bmw of approx 6000.00 any tips too save on interest payments and possibly a cheaper monthly out lay thanks
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Haggling on paying off a cc? What sort of offer should I make?
I'm hoping to have a bit of a windfall of maybe £2 grand this July (small inheritance) and want to use it to pay off the balance on one of my ccs. The one I want to pay off is egg as I was one of the banished customers, so at least i won't run up the bill again! I've seen in passing that some negotiations can be made with…
