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New address - old debters
I moved into a new rented property in April and I'm wanting to apply for a new balance transfer credit card. My only concern, as my credit rating is good, is that the people who rented the house before me has defaulted debt, and lots of it. I regularly get phone calls from debt collecotors and have had a couple of house…
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When does my interest free period expire?
Last year I got a HSBC credit card with 0% on purchases for 12 months. Initially, I made two large purchases on the card and another large purchase about 6 months ago. I have been paying off a small amount each month and saving enough so that I can pay it off in full at the end of the 12 months interest free period.…
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BT from M & S to Halifax
Good morning Does anyone know if I can BT my husband's M & S balance to my Halifax mcard? I have a 0% for 6 mos @ 3% or 5.9% lob with no fee. They have also sent me cc cheque to use if required but on the terms and conditions it says all cheques are subject to 3% fee, so bit confused about the lob offer! Thanks. BD1
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How can I improve my credit rating?
Hi all I need some assistance, Approximately a year ago I was ending a contract with 3G that I had opened for my brother (worst mistake), he was supposed to pay off the final months payment but didn't, and left it for so long that my account with them defaulted. That ended my credit rating from being pretty good…
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Capital One 4% cashback card --cashback level?
In february I got one of these cards as I had some large expenditure coming up. In about April Capital One started putting a note on the card statements saying "since your last card rebate you have earned £x ....." Mine however doesnt include the expenditure from the first two months of the card when the large expenditure…
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New CC - What is good?
I currently have a Lloyds TSB Duo Airmiles CC and I've decided to cash in my miles and get a different one, as Airmiles (mainly) are just really inept in doing anything right. Every month I have to email them about 4 times to add the correct miles for that month and I've had enough. Does anyone know a good cc, either…
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Cash Advance/money Transfer then balance trf
Hi, I need to obtain approx £1500-£2000 cash for about 6 months, I have a new credit card which offers a 0% fee on cash advance or money transfer, but then the apr is about 24% a year. Can I obtain this cash as a cash advannce/money transfer and then trf the balance onto another credit card which I have an introductory…
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Best Cashback CC at the moment
Hi all I ve been doing some looking around for the best cashback credit card as I want to ditch my Goldfish as it now seems you need 4 trillion points for a reward (Ok thats slightly exagerated). Have looked more or less everywhere, the best one I can find is 1% with Egg, Anyone else have any ideas ? I can see Barclays but…
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Bad credit rating and £2000 worth of CC debt
Hi, I currently have £3200 worth of credit card debt, i have just paid off £1200 on to my partners credit card in one lump sum and cancelled it. Not the best move to improve my rating, as its in her name - but the interest rate was 26%. I have a egg card at 19% with £1500, £100 in arrers, on an agreement which will be…
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Cash back credit cards
Hi, I believe Barclays was one of the credit cards reccomended as a cash back card. I went into Barclays to sign up for one and they had never heard of it, did I read it wrong? Please can anyone let me know what other ones were mentioned. Thankyou
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Its offical im broke !
Right to cut a long story short due to a change in circumstance i am now on benefits and broke. I have 7 credit card which before my money situation changed i could pay now how ever i simply cant afford over £200 in minimum payments SO i have been in touch with the cccs and they have advised me to open another bank…
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late payment fee
Hi All I was charged a late fee of £12 on my mothercare store card, can they do that to me? I should have paid by the 30th of the month but i paid on the 3rd. Is there anything i can do about it? :confused:
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Mint Card Limit Reduction
Hi Looking for some advice please. I have Mastercard with Mint on which I had a £4450 limit. My balance is circa £4250 and I have nver been overlimit or missed a payment. Now all of a sudden I have recieved a letter saying that my limit has been reduced to £4000 after being put through credit scoring again over a year…
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is this really possible?
ive heard that if you are struggling paying back the min. on your credit card because of huge amounts of interest, you call up your credit card company, and negotiate the you only pay back what you owe, interest free??? is this really true?
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Which cards are MBNA-based? (and other Qs)
Am about to apply for a Virgin CC so that I can buy some kitchen appliances on an existing card and then transfer the balance to Virgin for their 0%. Virgin say they can't accept transfers from MBNA cards - the only info I've found here is that Alliance & Leicester is one, what are the others, please? I can choose to pay…
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Best credit card for high limit and balance transfer
Hi guys, Best credit card for high limit and balance transfer? Thanks! :beer: (trying to avoid signing up for a company as tight as barclaycard on limits) :mad:
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credit card charges
Afternoon, am a newbie at this, took me 5 goes to register!!! Have recieved letters from the Financial Ombudsman to say that both MBNA and Goldfish are goting to refund over a grand between them in charges,:beer: but they are going to take it off the balance,:mad: as there is still a debt on it, can they do this, or can I…
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Goldfish Cca Enforceable?
I have received a response to my request for CCA, Goldfish have sent the original application form from 1998 and todays t & c 's. What should i do now
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Double Balance Transfer- Can I Do This?
Hi, I have about 6 credit cards, but fortunately only one has any money on it. This is a Virgin Credit Card with £500 on it. This was a balance transfer and the 0% interest expires in October. I have recently been declined for a credit card, despite not having a bad credit history. I think this may have something to do…
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Balance Transfer = Good idea?
Morning, actually afternoon folks, Not long ago, I found that my credit rating was actually quite good and that it was simply the fact I wasn't electorally registered that was going against me. Aaaanyway, this means that I'm kind of a newbie to the world of credit. I applied for a credit card simply to cover the cost of…
