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Barclaycard - Start date for 9 months free purchases
I'm just about to apply for a Barclaycard to take advantage of the 10 months free on purchases, I'm going to be paying for my car insurance as I can't afford it in one go and this seems to me by far the cheapest method of credit as it's 0% for 10 months vs 22% apr through the insurance company is a big difference! The only…
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How Long To Shift Off Credit Rating??
Hi all, Going to (hopefully) be cancelling a Barclaycard this week, and just wondered how long it will take for the account closure to show on my file to creditors?? Should i ask for a confirmation letter when i cancel?? Cant wait to cancel it Princess x
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Transfer Balance Fees
Hello, I'm a bit confused by all this. At present we owe £3000 on our credit card and only pay back the min each month, our overdraft is £950 and we just live in that each month. The bank phoned up last week cause we went £2 over the overdraft limit and suggested that we take out a bank loan so we could cover both of…
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Why are Egg charging me an above avg rate ?
I've been a customer of Egg for years and they're making a fair bit of money from me in interest - there's £7.5k on my card. I've just realised that I'm being charged 17.9% APR - 1% above the advertised 'Typical Rate'. I've asked them why and they've just come back with :- "The interest rate changes take into account…
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Capital One Identity Alerts.
I wonder if anyone can explain to me how the Capital One Identity Alert system works please? I have a card & am very tempted to sign up but i keep reading about these 'Free' trial offers that companies like Experian offer, then people find they have been charged to continue recieving the service because they didn't cancel…
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Best money back deals
I am about to have some building work done. I want to pay on credit card. I usually pay this off monthly but am thinking about a card for just this work, interest free with money back if possible. Which is the best card for this. I am looking at egg. The work will total about £2600
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Alliance & Leicester 0% BT on my existing card.
Hi, I currently have about £2,700 on an Alliance & Leicester credit card, which unfortunately I can only make the minimum payments on at the moment, due to recently buying a house. The problem I've got, is that everything I am paying off at the moment is just interest charged from the previous month, so I have been trying…
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Egg Money Terms & Conditions Changes
WHAT I'VE WRITTEN BELOW ABOUT BEING CHARGED 50p EVEN IF YOU PAY THE BALANCE IN FULL ISN'T TRUE - AND WAS DUE TO A MISUNDERSTANDING OF THE TERMS & CONDITIONS (SORRY) - I'VE LEFT THE POST AS IT WAS FOR REFERENCE. About half an hour ago I received an e-mail from Egg saying that my Egg Money Terms & Conditions had changed…
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Result - Petrol Station Worker Jailed - Card Scam
A petrol station worker cloned more than 500 customer bank cards in a £175,000 worldwide scam. Unsuspecting customers who bought fuel at the Jet service station, in Houghton-on-the-Hill, had no idea cashier Abdul Samad Mohamed Raik used a cloning device when processing their card payments. Story click here. Result!
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best card for abroad?
can some one tell me which credit card is the best to use abroad, and which has the lowest % on purchases. :confused: Thankyou
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Paypal or Tesco Prepay cards
All my CC debts have been passed onto collection agencies, They phone constantly. Yet i refuse to speak to them. This is mainly due to MBNA who refused to stop interest when i was 1st taken ill unless i paid them a sum of money in excess of my sickpay. Quite how i was going to do that did not help with my health so i…
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balance transfer question
I have a Goldfish card with 10k limit that I don't use anymore. I rang today to cancel the card and was told that letters from Barclays will be coming out within the week with offers for existing Goldfish customers. They said if I delayed cancelling my card until the letters came out they would credit my account with £10,…
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CCA Requests help
Hi all, I no there are numerous threads with all the details on but reading through some of them I am getting my head in a twist. So if anyone could direct me to a thread which gives a step by step guide of what to do that would be great. As i have a couple of cc from ebfore april 07, does this also apply to store cards…
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Unused credit cards and credit rating
I have two or three credit cards that I no longer use (got them for 0% deals that have expired). They all have a zero balance, with about £15-20K of available credit in total. I've never got around to cancelling these cards. I have a good credit record. Does having unused credit make any difference to your credit scoring?…
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Credit card newbie, PLEASE HELP!!
:confused: Hi everyone. I am 22 and have recently graduated and started a new job, pays well enough but I have only been there a month and so have very little savings built up. I got my first pay check and then blew it almost all on car insurance (£1226). This means I'm now broke and looking a bit of money to get me…
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PIN reversal.?
I recently received an e-mail from a friend with the following information, can anyone tell me if the info is true or false.??? ATM - PIN Number Reversal - Good to Know If you should ever be forced by a robber to withdraw money from an ATM machine, you can notify the police by entering your PIN # in reverse. For example,…
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Use savings to pay off credit cards?
Is it a good idea to use up some of (small amount) of savings to pay off some balances on credit cards(varying interest rates)? Or is it better to hold on to a bit of savings and pay off what we can off the cards?
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Which Credit Card?
Hi, I have a barclaycard which i have had for the last 8 years and signed up for it in university so i think its still a student account. I always pay my balance of in full. I dont get any benefits from this card and i do alot of online shopping and fuel purchasing (around £80/week on fuel). I went into the abbey store…
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Reclaiming storecard costs
Hi, Does Anyone Know If You Can Reclaim Penalty Costs From Storecards - Do They Count As Credit Cards?
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Reducing interest rates
Ha anyone every rang their CC company and asked for a reduction in interest rate? What did you say and does this go against you on a credit file at all? We currently pay £80 a month of which £40 goes in interest and I just wondered if I asked, if they would reduce it?
