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Newbie needs clarification - stoozing
Hi All, I'm a bit confused: I've had an 'Egg Money' card (it's green at the moment) for years, but have never used it. Egg tell me that my credit limit is £1,500. I could borrow 95% of this amount from them. The minimum amount I would need to pay back to them would be 2% of the balance per month if providing I pay all the…
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Cash Plus Pre Pay
I have just thrown away £14.95 for one of these stupid cards, I got the card on the idea that I was going to sign up for the credit builder option, wrong, I am stuck because they will only accept a passport or drivers licence for the ID, please take this as a warning before you sign up, I don’t have these stupid documents…
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Tesco Credit Clubcard
I'm thinking about getting one of these clubcards and would like to setup the automatic Direct Debit option to pay the balance in full every month. Is this an option on the initial form or do I have to send a letter to them. I've never really used a credit card so believe this would be a good one to start with (Im not…
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Refused a Credit Card
Hi! New to this so please be gentle. I have a good credit rating, home owner, no missed payments, never refused in the past etc. I tried to open a new Virgin money card to transfer a balance from my MBNA platinum. they refused me, and i was told that this was because they also process the cards for Virgin money. I then…
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best credit card
We are going on cruise this sumer and the rules are you have to register a credit card for use on ship..however i want to take one out with a period of % interest for at least 6 mnths so i can comfortably pay back what i spend and where i will not be charged for it being used ' overseas '.
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0% credit card/Car finance - please help?
Hello all, I am looking to get a new car and thinking that a credit card is the best option for me. Here is my situation: - I am looking to spend £3000 - I can afford about £350 for 6 months then the remainding £150 a month for the next 6 months Car finance tend to charge a percentage on their lending so my thought is to…
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few questions regarding 0% cards
hi guys and girls just a few questions 1.) i recently applied for a halifax cc to transfer my balance frm my RBS , to find out that i coudlnt do that because the halifax card is a RBS card so i would get charged the normal APR of 19% aposed to the 0% . I have only just recieved this card and have not activated it . Does…
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Which card should I get? Advice please
Just reading MS to find the best card for me. But thought I would like some credit cards experts advice whilst I read Martins guide. I am planning to do a BSc with the Open University. I do not want to use their rigid system of loan to pay for the courses. Their rate is around 8.5%. So I would like to have a card with a…
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Repeat 0% deals LTSB?
I've had my LTSB card for a few years now with a very good credit limit and have been successful in securing repeat 0% BT deals thus far but now the credit crunch has hit I'm wondering what peoples experiences are in obtaining further deals? I've got an MBNA card coming to the end of a 0% period next month and would prefer…
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The sledge ride to hell
Its Sunday afternoon and I have just been speaking with someone who owes a lot of money to various credit card company. Wow thats a unique case. He was asking what the process was if he just could not pay or in his case could but stopped paying. I know the following ... Its an unsecured debt... - If you dont pay your…
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Capital One retention dept number..??
Hi, does anyone know what the Capital One retention dept number is? Need to transfer a balance and have been offered nothing via customer services so was thinking maybe try the retention dept. and haggle a deal..! Thanks in advance, ;)
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Purchase e-voucher with credit card
If i use my credit card to purchase an e-voucher will this be treated as a normal goods purchase or as a cash withdrawal . All advice welcome Hilledale
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Applying for a New Credit Card
Hi, I am looking into applying for a new CC as the 0% on my old one is about to finish. I read Martin's guide, but could not see anything about this: Is it better to check your credit reports prior to applying for a new card? Last time I had a credit report would have been about a year ago when applying for my current…
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Time between re-opening Egg CC
Hey Can someone tell me how long after clearing and closing an Egg CC do you have to wait til you can re-apply? Mine was closed Dec 2006. Many thanks x
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reclaiming card charges after debt sold on? (capital one)
i was making payments on a (cancelled) card, and had applied for statements - since then, cap1 have since sold the debt on. who do i apply to, for the charges now? i guess the new firm wont be interested, as woukd affect their profit margin..?
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Egg money card credit limit?
Hi, I currently have a barclays student credit card (finished uni last year) with a £250 limit :rolleyes: Have always paid the balance off in full every month so never earned any interest on it. I need to buy some flights now however and not too fussed on using my debit card as the website (southalltravel) doesnt look too…
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T&C of CC - problem or not?
Please help. I don't know if I have screwed up the T&C of my HSBC CC whhich I am using for purchases only. I am 5 months into the 12 month term and have the max £7K on the card used for purchases. Yesterday I made a bet on Betfair which was giving a free bet as well. As proof of age I submitted my CC and they took £2. I…
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Where has my money gone?
I got my credit card bill from Sky for the month of March. It stated that they had to receive payment by the 4th April and duly advised that if I was paying on the internet that I should send it no later than 31st March, which was a Monday. I actually paid the full balance on Saturday 29th March by internet from my HSBC…
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Credit limit lower than balance transfer amount
Hi I'm a credit card tart, and move my balance from one 0% interest from one card to the next just before the deal runs out. Have just applied for a new 0% card, transfering about £5,500 - all went swimmingly, until I received the confirmation, saying that my credit limit was £4,000! Advice, please! :huh:
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Egg Card
Folks I have credit card debit of about £3k of which i may the minimum repayment each month of £63.61. On my statement there is a bit that says"MERCHANDISE INTEREST AT 1.313 PER MONTH" and has a £43.32 figure next to it. I have no idea what this is. Can someone please tell me: 1. what the £43.32 is and why im paying it 2.…
