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credit debit cards and the credit report
Hi, I have 5 current accounts with 4 banks and 4 credit cards from those banks including Vancuis credit card. I wonder if any of these damage my credit history as i heard having many accounts might be viwed as "bad". I am not in debt and paying off every months, though cannot get a phone contract. Should I close any of my…
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Transferring from one card to another
I have several credit cards, but one card with a very much lower interest rate. Can I transfer small amounts each month to the cheaper card or must you be able to transfer the whole balance. My thoughts were to transfer say 150.00 each month from the expensive card to the cheap card to reduce the balance whilst also…
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Any advice on whether i should apply for a new card?
I'm really not sure whether i should apply for a new 0% or low interest credit card. My partner and I have 16k debt spread over credit cards, overdrafts etc. I have a virgin credit card with £7850 on at 0%. But this 0% runs out in August. I also have £1580 on an hsbc credit card and found out today i'm paying 19.9% on…
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Credit Card Cashback
Hi I have a large bill to pay next month i.e. £5000 the company doesn't take American Express but does charge 2% for payment by credit card, any suggestions as to which if any credit card would be suitable? My current card only gives 0.5% cashback so I lose. Your help is appreciated.
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Does a company taking payments from a Credit Card count as a purchase?
Hi Everyone New to these forums, but regular viewer of the site. Heres the background before I ask my question....... I recently bought into a timeshare. Everything about it seems good!! I had to put a deposit down on my AMEX credit card, as thats the only one I had at the time. They will also use this card to continue to…
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First time CC, which one?
Hi guys, I am 20 years old and I've never had a credit card. I only have a Debit account and use that for all my incomings and outgoings. I figured it would be a good idea to get a credit card to use for buying petrol and essentials when I often haven't got any cash on me, I also thought this may help my credit rating for…
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Paying Off Credit Cards In Full..help Needed
im going to pay off my virgin credit card in full, but ive heard of people negotiating with the credit card companys and getting a bit knocked off the balance....is this true..and more importantly how do you do it cuz ive come up against a brick wall up 2 now!
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Hiring car without a credit card
Does anyone know if it is possible to hire a car in Carcassonne, France without a credit card? All the major companies state that a credit card in my own name is required for a security deposit. I don't have a credit card but my partner (who is travelling with me but can't drive) does and is happy for it be used for the…
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Capital One CC closed or Not
Hi, my friend had a capital one CC and she rang to close the account in Nov 2007. After 6 months she suddenly receives a statement with £50 added on for card protection they put on for inactive accounts and is now demanding payment. Can they actually do this and charge this amount which she never agreed to? Has anyone…
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credit card best use
I am sure I read on this site somewhere that when paying for holidays or expensive purchases where there is a card surcharge you can pay a minimum amount by card and still be covered by card insurance. What is the amount, does it have to be £100?
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Goldfish CC Cheques
My wife received some Goldfish cheques last week with a 0% for 9 months deal and a 2% fee. The wording on the cheque suggests we can use these to pay bills within the deal, can she write a cheque for me to bank and stooze this cash for the 9 months? I thought cheques had different terms to normal transfers but the wording…
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Prepaid cards - highstreet availability
in order to not go any further into debt, I'm no longer using my credit cards. BUT i need to make a payment to my web hosting provider in the US which I can't do without a credit card. So I'm lookign fro a prepaid credit card, but I need it sorted in the next 48 hours. Is there anywhere I can get a prepaid card on the…
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Closing Virgin Card
I've managed to get my Virgin card paid down, and I really want to close the account; but every time I call the number on my statement I just end up going round in circles and left on hold. Does anyone know the easiest route to get through to them and let them know you want to close your account? I tried getting into my…
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credit card shuffle and credit card advice please
Hi all I have several credit cards and have paid off all but two, one is currently on 0% BT rate and the other is on the variable rate of the day. Is one supposed to cancel cards one doesn't use or keep them with nothing on and then try and ask for a better rate? Maybe I am just being thick? Help gratefully received. Cheers
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Credit Card Insurance - Card Protection cheapest??
Just got my renewel forms in from CPP for my card protection. £29 a year, it's been £10 a year for the last 12 years. Can do a discount of £21.75, but I still think they have a dam nerve on a policy I have never used once. Anyone know any other firms that can do it cheaper.
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Worcestshire Card Faud ALERT - Check your Statements.
Used your credit or debit card at the MURCO Petrol Station, Wychbold, near the M5 recently? Village of the Scammed (The Sun). "Cops are trying to gauge the scale of the scam as more victims’ card statements arrive with bogus transactions." 1. Check your statements. and if you have used your card there and you did use your…
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Virgin credit card BT
Hi I have an overdraft of £750 with HSBC bank and was wounding if i could transfer the money to a Virgin credit card 15 month 0% BT.:confused: If it is allowed what is the fee you have to pay? If this was allowed, would i also be able to transfer money from another credit card aswell???
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Vanquis or Cashplus ?
Hi, Sorry if this sounds daft but which is better a Vanquis Visa card or a Cashplus Mastercard ?, I know with cashplus it is your own money with no interest etc, where with Vanquis if you borrow you would be charged interest.
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Credit Cards Balance Tranfere
Hello There, Please can someone help me, my husand has a Halifax credit card that is in Credit and we want to pay some money off on a Virgin Credit card. I have tryed to payment on line with virgin but that dosn't work, The only other thing i can think of is tranfering the money on line but i not sure what to do? he has…
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Natwest Problem Again.
okay here is the problem, i posted a thread yesterday but i will explain it again. i got my solo card through the post just 2 week's ago, it told me to put my account number and sign it and send it to edingbrugh (sorry if spelt wrong) so anyways i did that and sent it there, not realising that i put my wrong account number…
