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Credit Card Advice
I would like to get a credit card but I don't know which one to go for. From September I'll be a student so probably won't pay off all in full every month. But saying that the credit card would only be used for emergencies or big purchase that I couldn't afford outright. So a low APR is crucial. Any advice?
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Asda Credit Card Renewal
I have had my Asda credit card for nearly 3 years and have never missed payment and used it a lot. I made a routine call to them this morning and mentioned it was due to expire soon and when could I expect my new card. I was informed I would have to call them nearer the time to request a new card as new ones were not being…
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Spending abroad
Can anyone please explain to me. Martin suggests that the best way to spend money abroad is by using a Abbey credit card which doesn't charge for withdrawals abroad. However there is a 25% interest charged from the day of withdrawal. So surely,, even if I am paying the full amount by direct debit, the interest I am paying…
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Additional Card Holder Question
Hi everyone, I'm new as you will have guessed but could really use some help and advice. Not sure where to start really. Several years ago I added my Dad as an additional cardholder to my credit card account as I never used it myself. He was a bit strapped for cash at the time and he assured me he would pay the bill each…
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MBNA new changes to terms
Just thought I would update the forum on new changes happening to MBNA, seems like a constant thing now with not just MBNA but most card issuers. BT, credit card cheques, money transfers now rising to 5% fee with no maximum range. Change in due dates from september meaning now only 50days int free October sees an increase…
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need card to use abroad.bad credit history
hi guys i looking for any kind of card i can use abroad but not a prepay one,as above i have a bad crddit history and been refused cards before,i currently have a basic abbey account anyone any ideas
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Credit card for online purchases
Hi everybody, long-time lurker, first time poster here. What credit card would you advise for me to use for doing online purchases only? I intend to buy with the credit card then pay the balance at the soonest opportunity, preferably as soon as I complete a transaction. I may also use it for expenses when I have to travel…
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Need a mortgage deposit... Credit card balance transfer or other
Hello, I'm trying to raise about £15K for a deposit on a house. I've been looking into signing up to a credit card or two in an effort to get hold of this cash. Can someone please tell me if I can transfer a balance from new 0% credit cards into an existing bank account without incurring cash withdrawl interest rates, or…
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Abbey Zero card - declined - why??
Hi everyone After looking thru various options for spending money whilst on holiday I discovered via this site the Abbey Zero card and made an application a couple of days ago via their website. I called this morning to enquire about my application as had heard nothing, no e-mail acknowledgement etc. I was told that they…
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CC Chargeback / Mastercard / Halifax issue
Hi guys, My first post here, so please be gentle :) On March 17th, my significant other purchased a driving experience for me, through Days to Amaze. She paid with her Halifax CC. On Wednesday this week, I was informed by the company running the experience (Everyman Driving) that Days to Amaze have gone in to liquidation…
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Egg
I have an Egg Card AND an Egg Money Card....... Looking at it....when my Egg Card finishes its offer, is there much point in keep it...I know theres aniversary offers for 5 months twice....but with a fee of 3%.....is there much point??????...do they ever waive it???? Egg Money......presuming need to keep this card for…
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Question regarding credit cards for online purchases
I have read somewhere (can't remember where, did i imagine it?) that it is best to use a credit card instead of a debit card for online purchases. Is this true and what is the reason behind it?
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anyone know how to get goldfish to pay the £41 that was promised via quidco
hiya, goldfish apparently don't have the details of the transaction that i carreid out via the quidco site. I find this hard to believe, given that i'm a programmer.Has anyone managed to get the money out of them? I have absolutely no intention of activating my card unless they do so. ta, yogi
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Settlement offer from DCA - should I accept?
I'm posting here as I have no idea what to do for the best. I missed about 4 cc payments on my BOS visa, and received a letter from Apex credit management asking me to phone them to discuss the debt. A day later another one came from them saying I had been selected to receive a discounted settlement rate, and to call for…
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Juggling 0% deals and credit limits - HELP!!
Hi guys, I have most of my debt (£4000) on a Halifax One card at the moment but am coming to the end of the 0% offer, I also have around £700 on my other card. The plan was to switch both debts over to the Abbey Zero on 0% for 6 months with no fee as I hope to make serious inroads into the debt over the latter part of the…
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Vanquis Credit Agreement to sign ?.
After weeks of waiting (Applied online 6th June), getting a phone call a week later saying I had been accepted, then nothing for weeks I was told when I phoned them today that a credit agreement was posted to me 2 days ago that I need to sign and return and then my card will be issued, but I have defiantly been accepted !.…
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Highest Credit Limits Available ?
I have a Nat West 0% coming to an end with £5k outstanding on £6k limit, also have £7k out of £7.5k on Virgin at 0% (started March) and £1.5k out of £9k on Nationwide. I Need to transfer the Nat West balance to a 0% deal and would also like to free up come cash for transfer to a bank account so am looking for a credit…
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Mbna - Virgin - Any Tactics Guys!
I have not used my virgin card for ages and rang to see what offers I could have.....they offered 0% untill March with a 2.98% fee Anyone know any ways or what to say to get the fee cut or the offer for longer? Also, if I transfer £4500......and pay the full fee.....whats that the equivalent of in terms of a rate? Thanks
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Reclaiming PPI
Hi there, This is my first post on this forum and I need some advice about reclaiming PPI insurance that I took out on my Credit card many years ago. When I first applied to the Halifax for a credit card I was told that I had to take out repayment insurance in order to get the card. I have been self employed for over 30…
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Bank of Scotland Standard Credit Card 27% apr
http://www.bankofscotlandhalifax.co.uk/creditcards/standardcard.asp just got the agrement today after applying online :) anyone know how long before i get the card? also they offer online baking that a lot of others dont eg aqua is 27% intrest but intend to pay off in full each month just liked the style of card :) and its…
