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Whats the best emergency credit card
You know, the oh poo I need £3k now and I have no alternatives. I'd like to know if any experts know what cc is the best for these circumstances. It would probably sit in my wallet untouched unless I needed to pay for something urgently. I'm guessing a low interest card....but which one, or one that will give me something…
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Life of balance question
Hi everyone I've just joined, since I've got a question about my M&S credit card. I took it out last year, and got a great deal for balance transfers, 3.9% life of balance. So basically I just transfered another card over onto this, and I've been slowly paying it off ever since. Since it's only 3.9% interest PA, it's not a…
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Cash Back Credit Card
Can anyone help me to see which is the best Cash back deal at the moment? I don't want to go for Amex as it is not widely used, so I was thinking of Visa or Mastercard. There are so many comparison sites....It is quite confusing, so it would be nice to have the opinion of real people. Thank you;)
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Hsbc
Hi, i have a special balance transfer rate with HSBC which expires on April 22, it then goes to 15.9%. I just called them to see if they can do anything after that. I explained that if they couldn't do anything, I would be swapping the balance to another card and closing it down. After much transfering around the call…
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I just want someone else to say 'go for it'
Hi people. As the title says, I just want another 'go for it' on this: I've just paid off my RBS CC. I virgin and abbey CCs also, which have balances as shown on my sig. RBS kept sending me balance transfer offers while I was taking the large chunks out of the balance, ignored them until now. I've got a 6 month 0% offer on…
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will this affect my credit score / rate ?
I currently have only one CC - a horrendous Vanquis CC. 30ish% apr :eek: When i last checked in Aug/Sept 07 my credit score was 'Fair'. I have been sent a letter from MBNA offering me a CC with 0% on balance transfers till May09. I currently have £800 on my Vanquis CC and am paying £100/month to try and clear it asap.…
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Help gratefully received Barclaycard.
HI, I have a Barclaycard with just under £2000 owing on it. The APR 27%. Is there anyway i can transfer to a card that i could BT over to. Or at least with a lower APR. I am a mature third year student nurse. It concerns me on the application forms that employment income is asked for and gross income. I can just about make…
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HSBC Debit Interest shock!!
I can't f***ing believe this. I noticed the other day that HSBC charged me over £5 interest despite the fact that the balance was zero. When I asked them about this, they told me that over a year ago, I made a cash withdrawal and they've been charging me for this ever since! Get this, "debit interest will be payable from…
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how long to wait before reapplying for transfer deal?
HiAm getting into a financial spiral with credit card charges for both myself and spouse, in part due to not realising changes in employment/income source would majorly impact on whether we're accepted or not on loans/credit card applications. Basically, have one largeish 0% deal with Egg until October (around £6K), and 2…
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Capital one cash interest
Why am I being charged for cash interest when I dont withdraw from my Capital One credit card? Is this usual, a hidden charge they can get away with? Have I missed this on my contract? Its not a lot my purchase interest is about £11.00 but the is also cash interest of £0.52 on my statement, does anyone else have this or…
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New Changes To Equifax Credit Report Layout
NEW CHANGES TO EQUIFAX CREDIT REPORT LAYOUT Now on credit cards summary u'll see yr credit limit as normal but will now also include yr Statement Balance and Payment Amount of that month! Also Previous Statement Balance, Cash Advance Amount, Number of Cash Advances During Month, Credit Limit Change, Minimum Payment, and…
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Buying from abroad
Delete please.
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Verified by VISA
Does anyone know how I can get to a Verified by VISA account to put all my cards into one basket, so to speak. I have three VISA cards. For two of them I have separate VBV accounts as I (foolishly) registered when requested online. As I tried to repeat my previous details for the second card it was refused and hence I…
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Cancelling ppi on barclaycard.
Is it as simple as contacting barclaycard and telling them i dont require the ppi anymore. Ive been paying it for as long as ive had the card probably 15/20 years and have never claimed on it.
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Cap One Platinum Credit Limit Question
Hello all, I've held my Capital One Platinum since January and I am quite happy with it, I have an outstanding balance of £24.01 due to be paid on the 12th by Direct Debit and a credit limit of £2000. I am not entirely comfortable with this limit and I am considering asking Cap One to reduce the limit to £1000. My husband…
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Credit Card Question - can anyone help please?
Just wondered whether any of you knowledgeable and helpful people could answer my credit card question please. My DH has one credit card in his name, and I am a second cardholder on the account. We acquired the card from Halifax when we opened a Current Account with them many moons ago. It was a case of "Would you like the…
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MBNA and Quidco
I applied in January for an MBNA Platinum card, and was rejected... I had gone through Quidco which pays £8.50 "for a successful application". Well, imagine my surprise when my recent Quidco payment hit my PayPal account, and it included £8.50 for MBNA! Free cash, always welcome! :cool:
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overlimit fee?
i mistakenly went over my CC credit limit by about £200 for about a day and have been charged £12 for the mistake. just wondered with all the bank charge fee claiming and stuff whether this is legit ?
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Credit Card question
I bought a sofa on a credit card and its collapsed....fuss with supplier etc but my question is can i still claim off CC company if I have now cancelled the account I purchased the sofa on?
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Can husband apply for same CC for BT?
I have quite a few CCs, mostly without anything on but two with big debts. One of these needs to be BTed in May. I already have an (empty) virgin CC, but given that that's offering the best rates at the moment I wondered if it's possible for my husband to get a virgin CC and transfer the balances to that? He's not got a…
