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Top tips for borrowing cash
Well I'm in over my head, and need help :confused: Im interested in buying a few big purchases such as a TV and home cinema kit, would be under £1000 I imagine. I just want to know the best way to go about it by borrowing, as I don't have the disposable cash - and would like to pay it off over a period of time than one big…
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Question about expiry of interest free purchases
Hi I was offered 0% interest on purchases on an existing MBNA card and have bee spending on it to build up a balance. The original offer says: 0% until August 08 statement date (i.e. 4th August 2008) Does this mean i should pay off all the outstanding balance by 4th August or can i do so after 4th August but before the…
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Barclaycard minimum payment scam
For anyone who has a Barclaycard — particularly one with a zero interest promotional period — be aware that the minimum payment which appears on your statement is rounded down to the nearest pound and by paying off this incorrectly stated amount you will be in breach of Barclaycard's terms & conditions. For example, the…
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Question About Credit Cards
I currently own an HSBC Mastercard. I will be cancelling this card next month. If I wanted to reapply for this card in the future, would I still qualify for the 0% interest rate ?
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Barclaycard 6.9% offer
I had read on the main site that Barclaycard do a 6.9% life of balance transfer with no fee so I called them today. The customer service rep told me that they no longer do this offer. I then advised that as I have no balance on the card I would like to close the account. I was transfered to a loyalty representative (I…
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Do MBNA platinum really take 7-10 days to decide?
Just wondering as I made an application for an MBNA Platinum CC online earlier for a better deal and the 'decision' said they will let me know in 7-10 days... Do they really take up to 10 days to let you know if your application has been successful-or am I likely to hear sooner?..also is the fact I didnt get an instant…
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Credit card refund
I bought an item last Monday using my RBS Student Mastercard. I was told I'd receive an e-mail to confirm stock and that the payment had been taken; three days later, I'd heard nothing, so e-mailed to find out what was happening. After another 48 hours, I'd still had nothing, so sent an e-mail to cancel and ordered the…
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I will probably seem really dim here but...
My boyfriend has just applied for the first credit card that either of us have ever had, so we don't really have a clue about all the ins and outs. :confused: It's the Halifax All In One card, which offers 0% on purchases for 10 months. The paperwork came through for him to sign today and although in one table it confirms…
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Struggling to pay back cards.
I hear that you can approach your credit card companies and say that you are having problems paying back the debts. Is it true that they can convert the balance to a loan and allow you to pay less interest back? The reason is I am just affording to pay back the minimum a month and the balances never diminish - I think the…
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Which card for cheapst BT to current account?
I'm sure this has been covered many times but not sure if things have changed in the recent climate. Which CC would allow me to transfer available credit to my own CC at low cost? Believe it was the MBNA CC recently -Is this still the case? Thanks F
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Credit rating. White and black data
Hi everyone. I've been recently told by my bank that they do not update experian or the other companies unless a) I have a missed payment b) Opt in with a filled out form. I've already read about opting in on this site. But I'm not sure what is considered black data or white data. Wouldn't the size of the credit available…
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confused
hi can anyone help me i have a credit card with 10000 on it and apply for a o% CARD from virgin and got £4440 it should i take it or cancel it and if i keep it how do i use it to lower my 1st card will i make a saving dont want to be paying any more ty also when they send it meas long as i dont ativate it will i not be…
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Help with figuring out my balance transfers
Hello All! As a bit of a novice with numbers I was hoping someone would be able to help me out. I currently have 3 credit cards Abbey MBNA card Intelligent Finance card Abbey Zero card Now the MBNA card has £1347.57 outstanding at 2.9% till March 09 (£3,000 limit) I.F card has £1814.59 outstanding at i think 14.9% (£2650…
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HELP can I cancel a balance transfer?
I arranged a balance transfer about an hour ago online to access a 0% deal... my husband at the same time was arranging a personal loan (we should try talking to each other, I know!) so now I want to cancel the balance transfer but Egg told me they can't cancel it, I have to wait for it to go through and then reverse the…
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Question re credit file
I got hold of my Equifax credit file (using the free method) a couple of months ago. I cancelled it in plenty of time. I'm now applying for a job where I'd need considerable criminal/financial vetting. I'd like to check everything is okay first - can I just apply for the file the same way as before and cancel again, or…
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IDT Prime
Bought my first card today, but cannot get through to their number 08004587150. It says lines are busy, try later. This has been the same for hours....Should I be worried???
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Best way to repair my credit file? [essay warning]
Hello everyone, I just registered on the site today (although I have been visiting for about a couple of years). I need some advice on sorting out my credit file, this is a bit of a long post I'm afraid so you'd better make a cup of tea first before reading it all! :p Background About a couple of years ago I entered into…
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Query re O% Balance Transfer with Tesco
Hi all - firstly apologies if I do/say anything wrong here...my first post - but I would be grateful for some advice! I am really upset and confused by the situation I realise I am in with my Tesco credit card. I arranged a BT at 0% for 6 months on my tesco card a couple of months ago. In addition to the £800 transfer I…
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Building a Good Credit Rating
Someone told me to purchase everything on my credit card and repay the balance in full every month and only use my debit card for cash withdrawals. Would this help my credit rating? I'm not sure on how this works.
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Marbles crisis
Hi there, Please forgive me if this is a repeat of other threads as I'm new to this. I am having a total nightmare with my marbles cards and I don't know what to do. I've been with Marbles for approx 6 years and over the years I have been getting more and more indebt with them as I stupidly took advantage of the large…
