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Capital One Cash Withdrawal Catch 22
I'm sure this must be old hat - but perhaps my silly mistake might be a warning to those who are tempted to use their Capital One card for a one-off cash withdrawal. At the end of February, I mistakenly used my Cap One card to withdraw £30. I realised straight away that I hadn't used my debit card (they look quite…
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My Egg balance has vanished. Any ideas?
I've had an Egg card for many years now, but a few weeks ago it stopped working. I assumed this was because I was one of the thousands who'd had their account closed by Egg. I never received a letter telling me as much, but as I was moving house at the time it's possible the letter didn't find its way to me. Or maybe I…
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MorganStanley now GoldFish now Barclays...
In the last 6 months my Morgan Stanley card has become owned by Goldfish, but is now administered by Barclays instead. Does anyone know if this will affect my T&Cs or credit limit? I'm no fan of Barclays so would prefer to go elsewhere, but Cashback cards are drying up now so my switching options are limited. I already…
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Self Employed credit card debt/balance transfers
Help! :confused: I have amassed a total credit card debt across three seperate cards of £21000. I want to try and move this all to one card with a 0% balance transfer. Whilst my credit rating is the best you can get my income has dropped considerably and if I were to declare it truthfully I dont think i would be accepted.…
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Is this worth doing?
Hi everybody. I was wondering about everybody's opinions really. I have 2 cc's. I have an A&L card, with a debt of about £2,100 and credit limit of £3000. The minimum payment is usually around £50, but I tend to pay £100 a month off (as much as I can afford). APR16.9%, monthly interest 2.2% The other is a Barclaycard,…
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Reducing interet rate on credit card
Hi I was wodering if anyone knows if it is possible to write to a bank to renegociate an interest rate. I am currently paying a high level of interest on a card that I have stopped using and am just focusing on paying monthly a chunk of money back but a large proportion of that is going on the interest. Has anyone written…
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Stoozing newby - help please with a few facts
Hi Having just opened 2 new ISAa (1 for the wife) I'm contemplating becoming a stoozer for the 1st time. I already have a cash back cc so I'm looking purely at cash. I see Martin recommends Virgin or MBNA platinum that give 0% of 15 and 12 months respectively (with a 2.98% and 3%) and to pay the minimum payment and throw…
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Topping up your credit card above your limit to purchase something?
Hi i have a Halifax One credit card and my limit is set at £500 i would like to buy something for over this amount on my credit card so that i can get the Visa warranty protection for 2 years for a laptop. I have applied to have my credit card limit raised but because i have not been using my credit card much since i have…
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Free credit reports if you have a Capital One card
Two reports a year free, see here www.equifax.co.uk/capitalone I just tried it and got my first ever credit report in under 5 minutes!
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Hi...newbie here! Will this idea work?? Help!
I am TAKING CONTROL and am going to be credit card/debt free in a year. Please can someone in the know read this and tell me if it's accurate/doable? CURRENT SITUATION Overdraft - 1300 Credit 1 - 800 Credit 2 - 800 WHAT I WANT TO DO Apply for a 12 month 0% balance transfers credit card. Put 2 credit cards on it. Pay off…
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Financial Problem....Need some Advice Please?
Hello, There is a bit of a Fiancial problem in my family at the moment, i will explain why...... My brother is a real nice guy but he has always been into a bit of wheeling and dealing and has always wanted to make a successful business, he has tried dozens of ideas though-out the years, most have failed and he has always…
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No credit card. Want to get one for a 14 day holiday then destroy it!
What's the best to get? Any where we get good cashback or points for shopping? Going to Florida in July
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Card with 0% balance transfer
I have a barclaycard and an Egg card which are two of the most popular recomended. Does anyone know of another with a long period of 0% balance transfer available?
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Barclaycard 'Initial' been referred!
My hubby applied for Barclaycard's basic initial credit card, he has no CCJ's Bankruptcy on file, he does have 1 default from almost 5 years ago. Anyway, he didn't get an instant decision. It seems to have been referred, does that mean a person will actually look at your file in detail? Get it up on their screen and do a…
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Swapping credit limit for loan - possible?
Barclaycard have over the years increased a credit limit on one of my cards - to the point where I have around 6k available! Is it possible to ring Barclaycard and ask them to 'swap' this for a 6k loan? Balance transfer deals mean I wont lose out if not (6.9% for life of balance I think), but the 2.5% min. payment makes a…
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How do I cancel "checkmyfile" monthly subscription
In a previous post I was advised to cancel my subscription to "checkmyfile". On revisiting their site I am unable to find out how to do this, there is no phone number and they have not replied to my emails, I'm I missing something on the site? Do you think it's enough to cancel payments to them from my card?
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PayPal Credit Card gives £20 back
Paypal credit card is giving a £20 ebay voucher back when you spend £100 on it, also has usual 0% balance transfers and a low APR also. ...-:
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Is a loan better to repay credit card debt?
I have around £6000 credit card debts altogether. I've transferd to 0% cards in the past but paying transfer fee each time. With credit crunch I think this time I'd rather go for low rate life of balance which seem to be around 6% as I'm not the best at remembering when to switch and would rather this time be secure in a…
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Applying for a new card (re: credit rating)
I've read MSE's pages regarding the issue of having too many searches on your credit rating as a result of constantly re-applying for credit cards but I was unclear as to exactly when this comes into effect. I have had a credit card with Bank A since November 2006 - at the time it was ranked as one of the best credit cards…
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Halifax Secure Problem
Anyone who has registered lately[April] with Halifax Secure will notice a debit of £2-50 on their account. just spoken with them as my account was down £2-50 and i phoned them up to be told it was a problem with everyone who registered their halifax visa card with Halifax Secure it,s taken £2-50 out of peoples account for…
