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Using my credit card to pay off mortgage?
I have about 6k left on my unsecured loan and have just applied for a halifax credit card with 0% on purchases for 10months. Just wondered if it is ok to use the CC to pay this off? I will definitely be ablke to clear the CC within the 10months before the 0%rate ends, just wanted to check there are no extra charges for…
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Just received Credit Expert report - need help!
I just got my Credit Expert report (Experian). There is nothing adverse on there but there is simply nothing on there. The only thing reporting on there is my HSBC current account and even that has not updated since 30th September 2008. How often do lenders update with the CRAs? I thought it was every month? Or is it just…
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Goods Not Received Possible Credit Card Chargeback
Hi I am new to this forum and think that this is in the correct place, if not please feel free to move. I placed an order last week with Falcon International (falconsat.co.uk) for an aerial amplifier costing £20 and paid an extra £8 for next day special delivery. I rang them on Tuesday as I had not received it and got…
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what cedit cards are related ?
Does any one know if there is a list for credit cards / banks that are related to each other ? Have looked but no luck, i'm sure its on this site. :)
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MBNA would not reissue lost credit card
Hi, I hope that someone might be able to give me some advice regarding my MBNA credit card. I have held the card for a number of years, and I'm afraid that the balance is pretty close to it's limit (but my debts are another story...). I recently lost the card and called their call centre to request a replacement. The…
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credit cards and paypal
quick question. if i set up m,y credit card to be able to pay for things through paypal. does this translate back to the card company as a payment of cash? therefore getting stung for a cash transaction fee? or will it be viewed as buying goods therefore at my current rate of 0%
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Egg Cards
I was visiting a friend of mine yesterday when he received a phone call from Egg, apparently he has run up a debt of £1400 on his credit card using it on gamblings sites. It would appear that they are not happy with him as they thought, he was in some sort of financial difficulty, and suspended his card, and also barred…
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Reversed cheque from visa
I recently paid several cheques into my halifax visa account. One of the cheques has been reversed but the cheque wasn't returned to me. I rang visa to ask what had happened to the reversed cheque, and they said a letter with details of this had been posted to me. No letter arrived. When I contacted them they said the…
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BuyNowPayLater on Finance what is it classed as when you want to put on credit card
We bought a television last christmas on Buy now pay later. It was passed to a finance company and if it is not paid for in full they charge 29.5% interest. It is now due to be paid at the end of December and wondered what it would be classed as if we paid for it with a credit card. Would it be a balance transfer or a new…
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Stopping PPI
Hi I have 4 credit cards with 4 different places All have PPi on I’m thinking of stopping the PPI and moving to a income insurance policy But am worried they may ask me to repay what’s owed stright away can they do this My total is currently around £20k on credit cards am i doing the right thing Thanks
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Chargeback question
I have a question that I need some advice on. On 13th November, i tried to order website hosting (34.95) on my Barclaycard and at the time the merchant's website said: "we are unable to confirm your details at this point. We will try to process the transaction again and if successful contact you" So, I never hear from this…
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Interest rate query
Hi. Can anyone tell me what the monthly interest cost would be per £1000 with a rate of 8.94% p.a. please?
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Virgin charged me after I paid balance in full
Hi, Hope someone can help me. My interest free period recently expired with Virgin so I paid off the balance on the card and cancelled my direct debit mandate with them so that I would not put the card in credit as I was planning on cancelling the card. However I recieved a letter today saying that as they were unable to…
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Barclaycard - Increased Credit Limit
I have a measly £450 credit limit on my Barclaycard Gold card, which I've had for just over 2 years (maybe 3, my memory's a tad hazy right now, until I look at my records). Tonight, I log on to my internet banking to see they've upped my credit limit to £3,450, of which £450 is cash (I don't understand this bit). It says:…
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Insane practices
I have a platinum card with a well known bank with an over £10k spending limit, having been a customer for over 25 years. During the past month I had 2 transactions declined, one for just under £100 and the other when I was trying to buy an airline ticket costing just over £1k. Note that I still had over £9.5k available to…
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Card interest
Hi,am new to here and am just a little confused with this credit card interest charge. I have looked at the interest charges on my account and they total upto £7000 for the past 4yrs. I knw i can't claim back the money and the reason for my confusion is why are they allowed to charge so much?:confused:
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Hardest Credit Cards
Which cards are hardest to get? What sort of starting limits do they give? I'd like something to aspire to, ha I'd guess that Amex must be hard to get? I also heard that Tescos card is difficult to get as well.
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credit card insurance
Hi I am not sure if i am posting in the right area so feel free to move me. Sorry for the spelling mistake My mum took out a credit card in 2005 [first one she has ever had] she opted to have the insurance with it. Every month she paid off her balance in full, then in january 2007 she was diagnosed with cancer, she carried…
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Cash Credit card fraud and being held as negligent
Hello all. I'm worried sick about this so wondered what people though please. My husband had his wallet stolen while on a training course. He was at a hotel, went to lunch where hotel staff said the conference room would be locked. A man was loitering in the hotel lobby, he went in and stole my husbands wallet. My husband…
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Money taken from Credit card WITHOUT notification/authorisation - HELP needed??
Hi all, Bit of a newbie, but hope my post is in the right section??? :confused: After a non fault car accident I was given a hire car with a known company. Car delivered to house and a 'rubbing' of my credit card was taken for the deposit. Basically there is a dispute over when the hire car was returned, and in the mean…
