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Credit Cards on Benefits?
I was wondering if I could get a credit card as I am on benefits so only get £3900 a year. I have never missed a payment and my credit score was good before I became ill. I could do with transferring some money onto 0% for a bit and hopefully I'll be able to go back to work soon as the boredom is killing me. Any help…
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How many cards?
Hi I have 3 credit cards, a royal bank of scotland, a halifax and a virgin card which i got to transfer my balance to. now my balance transfer time is running out on virgin so I want to get most of it moved off that card so I applied for a barclay card which I got in today but the only gave me £850 credit limit so I can…
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Should I apply for a Capital One Card now ?
Hi, I applied for a Vanquis Card last month and was accepted with a £250 limit, Should I apply for a CAP 1? as I do not plan on paying INT as I will pay of in full each month. Would I stand a better chance being accepted now for a CAP 1 as I have been accepted for a Vanquis Card ?, as I am sure I applied for a CAP 1 some…
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Which credit cards shall I cancel?
Hi all, Have recently been accepted for the Egg 15 month 0% balance transfer card, so I'm going to stick my £1,150 worth of credit card debt on that and pay it off over the 15 months by standing order. When the card arrives, that'll be five credit cards to my name. I'm now dead set on clearing my debts and saving in order…
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Just been Accepted!!!!
Hello everyone, I have just been accepted for the Virgin 0% on BT for 15 months, with £1000 limit and I am so chuffed and wanted to tell everyone:D :D :D and best of all.... the card will be PINK!! I am yet to know how I will be treated by the company though - hopefully well! Stacey xx :D :o
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Warning re payment due dates
I have just had an amazing conversation with Ikea credit cards. I paid my last bill in full to arrive 4th July, the date on the front of my bill. I paid on line from First Direct, which confirmed the payment had arrived on 4th July (a Friday.....) I then got a bill from Ikea for this month, showing that they had taken…
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Do I have grounds for appeal?
I have just been refused an MBNA CC on the basis of 'affordability'.The advisor suggested my mortgage payments are too high compared to income-£900 per month against a(combined) net monthly income of £2600 per month. I was hoping to transfer funds from a card charging 16.9%APR to a card at 0% for 15 months..surely this is…
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Egg Card Interest Rate
Hi I'm looking for some advice. I have a large balance on my Egg Card £6400 (ran up through unpaid maternity leave). Egg recently cancelled my card and increased my interest rate to 26.9%. I have been paying £150 per month which is above the minimum payment but the balance is not reducing. From looking into this it appears…
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Help with tranferring remaining balance across to Virgin Card?
Hi, I have just got a Virgin Credit card (with 15 months interest free) so I could transfer my Lloyds TSB loan and also my money from my Egg credit card. I have 2 loans with lloyds, outstanding balance is 1st = £318 & 2nd = £2,603. I also have £503 remaining on my Egg card. I want to transfer all of these over to the…
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Barclaycard Life of Balance Card
Hello! I've just applied for a Barclaycard Life of Balance card as I thought that this would be a better option for me than a loan as I would like to clear existing debts of around £3000. I've only applied today but as they have just said they'd send me the card if I'm succesfull I'm wondering if any previous applicants of…
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Company claims to be able to wipe out DEBT ...
Hi, Someone I know was approached on the street yesterday by a company claimi ng to be able to wipe out debt on cards etc, apparantly there's a loophole they can leap through!... cost you a grand for them to do this .... sounds a bit reffy to me ... any thoughts out there. Their website is: https://www.amicableteam.com
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MBNA minimum payments
Sorry I know I am a pain for not searching the forums (but I am in work). Can anyone tell me the minimum payments on an MBNA card. I am about to use the 6.9% for life on BT's but need to check the min payments are within my plans. thanks
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I have the same name as my dad and his info shows on my credit report...
Hi everyone, i'm a new member and have learned a lot from the site the past couple of days. anyway.... I'm 22 and have the same name as my 60 y/o dad and when I started to get into debt to seperate the bills my dad and I decided to put JNR on my accounts to stop confusion. After a couple of years of stupidity I went…
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Card payment for a cruise in US$ to a US company am I protected if they go bankrupt?
Please forgive me but I am a very cautious person and I would like your advice and opinion. I live and work in England but if I pay for a cruise holiday in the United States to an American Cruise Company in US Dollars which I will pay for using my Nationwide Credit card, if in the unlikely event that the cruise company…
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Barclaycard - Positive Feedback!
I have a fairly large balance with Barclaycard and I recently sent them a polite email explaining I was in a fairly difficult financial situation. As a result they have basically halved my purchase interest rate on my Platinum card this week to help me reduce the interest on the card. I appreciate they haven't got rid of…
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Post Office Credit Card
This morning I have applied for the Post Office Credit card, as I understand usually its an instant decision, however, I was told they are unable to confirm at present if I have been successful or not and will be writing to me within 5 days? Is this like the virgin thing where they make you contact them if you dont select…
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Just goes to show how stupid the moneysupermarket smartsearch thing is
I've never trusted the equifax smartsearch thing on moneysupermarket, but this just goes to show how stupid it is. I've done searches loads of times for credit cards, and my credit profile is 'excellent' wooooooohoooo nice one. i've just done a search for loans...... same information only difference is that it asks for…
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Claiming through Amex from company in receivership
Hi all, wondering if you could help me. Could you tell me what obligations a credit card comapny has regarding refund of money when a company has gone into liquidation. I bought some products from a company who promised delivery. 90% of the product was delivered and the rest was not although they promised it verbally (no…
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minimum payments
im very very confused, but its easily done... i have an abbey card with a balance of £3500, its 0% interest and my minimum payment is approx £15-20 a month. i did have a virgin card with a £4000 balance that was 0% interest and my minimum payment as about £37 a month..the interest free period had run out and this month i…
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Cleaning up credit record after CC fraud
Back in early 2007 I was a victim of a credit card fraud which involved the card address being changed. This resulted in a new card and PIN being obtained by someone who then withdrew cash with it. Several months later I was contacted by the CC company (back at my real address!) with a final demand for payment, at which…
