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Pay in Full or not?
I currently have an Egg card which is 0% for 12 months and i transferred 2 balances; one from Capital One and one from Natwest totally approx £475. I have this money in me new e-savings account (natwest - I only took this out becuz of the £50 cashback). So what I was thinking was if I paid this off in full when it is due,…
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Security questions are getting daft
Just phoned up Barclaycard to close my account, and after going through the automated security stuff I got put through to an operator, who then asked me, for security, if I could tell her what day of the week my last birthday fell on! Completely threw me :confused: . I've never been asked this one before, and I had to ask…
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Can you get cash at the checkout with Amex?
anyone know?
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credit report query
I have obtained my credit report from both experian and equifax together with their own scores. The equifax was in the good category and experian in the poor category.....the only differences between the two were: 1. experian had more recent searches (mainly non pure credit accounts like mobile phone, bt phone line etc,…
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Using credit card to pay off expensive loan?
HI My Girlfriend took out an expensive loan. I'm trying to ditch it and had originally though of getting a cheaper loan. However, I have been reccomended to get out a 0% deal on a credit card and pay it off that way. Is this a good move?
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What prepaid credit card?
Hey guys, I am 16 and have been trying to get a debit card for a while now but I am having trouble, So I want to get a prepaid card instead. What one should I get? All the "good" ones i can find are either for over 18s or cost way too much. I only want to use it to buy games from PSN, and to buy stuff online.
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Do Virgin offer paperless statements?
I'm hoping they do. I have a Lloydstsb credit card and opted for paperless but i still get the statement. Just not for my current account. Privacy in my home is a bit alien to some people. They don't really read who's name is on the envelope until they see it isn't for them. Does anyone know if Virgin can do paperless?
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1st Credit Card
Hi I am student. I have two years left on my course. I have never been overdrawn on my current student account and I have some money in a high interest account. I have an inactivated Flybe CC which I doubt I will activate until the flight scam is clarified. I am lucky enough to have help from mummy and daddy. Currently I…
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How to work out minimum payment?
Can anyone tell me how you work out the minimum payment on a credit card please? I know Barclaycard is 3% or £5, whichever is the highest amount. Is this the same on for all cards or does it depend on the card? My credit card is the Virgin Credit Card on a 0% interest, if that is of any relevance. Thanks! :)
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FLYBE credit card scam
I was very excited when I found on this website a free flight to Europe with the purchase of a flybe credit card as I am planning on visiting family for xmas in Scotland. I double checked all the details on the website and then rang to sign up yipee!!!! BUT... I checked with the guy processing the card and he checked with…
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Impact of having unused CC on credit rating?
Hi Guys I've just been accepted for the Egg money card and was intending to use that innstead of my capital one card so I get 1% cashback on purchases rather then nothing, I was going to cancel my cap one however I've just discovered their identity theft protection services for card holders (…
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Refer to CIFAS member
Hello Guys please help me out regarding that, i opened a cuurent account with Alliance & Leicester and they send me check book and online banking details by post after couple of days, after few days i find out they are not sending me my debit card and closing down my account. So i found it in my credit file that when i was…
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Lump Sum Payment To Clear Credit Card...What Should I Offer?
Hi all, I've been fortunate and have recently come into some money. I read somewhere that you can end up paying less than the total of what you owe if you offer to make a lump sum payment. Does anyone know if this is true? And what do you think I should offer? How do I go about it? Any advice would be greatly appreciated!…
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Egg money - More cashback than my limit?
Hi all, to those that have read my recent threads, you know I'm spending a lot of dough on my upcoming wedding at the moment! I have a quick question about egg money cashback: if I spend more than my credit limit in a month (but don't go over the limit!*), do I get cashback on the lot? Let's round my limit down to for my…
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Barclaycard reduces my limit
All new to this forum stuff but so peed off with Barclaycard and don't know if I have cause for complaint. Applied for Barclaycard and received at end of July with very modest limit set but just needed it for holiday. One week after getting the card I received a letter telling me that they had reduced my limit by over…
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New Credit Card
Hi All, I have and Virgin Flying Club Amex card and am looking for a Visa/Mastercard for when its not accepted. I have a Barclaycard but don't seem to get much benefit from it. I always pay off the balance in full every month, any advice? Thanks
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MBNA and Virgin Cards - Own both ?
I have a Virgin card and am looking for another SBT card so am loking for at the MBNA Platinum, I dont intend to transfer any balance to the Virgin card but will I be able to apply for the MBNA card ?
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Free Extended Waranty
Hello, I am going to purchase a 46" TV and would like to know if anyone knows of a credit card which offers an extended warranty on electrical goods. I have looked at the Nationwide one but the warranty does not cover TVs over 37". I do not want to purchase an extended warranty as i think they are expensive and think they…
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you CAN balance transfer MBNA to a Virgin card LOOPHOLE
Have you recently got one of the Virgin 0% for 15 month credit cards but have a balance on MBNA which they won't let you transfer as its the same company? Or have a balance transfer offer running out on MBNA and want to put it on the virgin 0% for 15 months? Heres the loophole... Virgin allow you to do a "cash to your…
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0% Credit Credit that can transfer into current accounts
Hi, Just wondering if anyone knows of any credit cards which can transfer the balance into your own current account??? Cheers
