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Balance transfer from partner to me - does this link us?
Hiya If i balance transfer from my partners credit card to my low life of balance credit card, does this financially link us according to our credit files? Just worried 'cos of a lingering default... Many thanks
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PayPal reversing CC payment - is this new?
More than a month ago I bought something on Ebay and paid with my PayPal account. I had all of 30p in there so I paid the rest of the £13.99 with my credit card. At this point I was bl**dy stupid. As I had not bought anything for some time I had totally forgotten that the card on my PayPal account had been cancelled due to…
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credit card help please
hi I have a credit card with a debt i'm looking to move to Tesco credit card which currently offer 0% on balance transfers until 2010 and then 16.9%. What i want to know is, they ask for your employment details, how often do they contact them? because i work for the family business and do not wish everyone in the family to…
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Pay off half of credit card or not ?
Hi there - I would appreciate any help or advice We currently have approximately £9,500 on an EGG card which i took out on 0% balance transfer in December 2007. I beleive this 0% will be ending soon. We have no other debt apart from our mortgage which is on a very low rate of 4.29% until October 2010. We have managed to…
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Will credit card protection of holiday be negated by balance transfer?
I have booked an expensive holiday and want to pay by credit card to ensure it is protected in the event that the holiday provider goes bust. So far I have paid the deposit on my credit card and the balance is due next week. After paying the balance, I want to do a balance transfer onto a low rate credit card as my current…
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Credit Card - Best interest rate for large purchases pls?
Can anyone let me know the best card interest rate for large purchases? Just tried Barclaycard Breathe but small print stated 0% (up to £5k) Looking to use for Kitchen/Bathroom up to £40k. Any info very much appreciated.
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BHS Credit card
Anyone had this, got this card and can advise on credit limits etc, and if they are a good company to deal with?
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Applying for Virgin credit card query
Hi there, it's my first post so please be gentle with me.;) Recently I applied to Virgin, because I have £1,000 debt on my Tesco credit card (Mastercard) which I wish to transfer to Virgin with the 0% for 16 months and use the Virgin card soley to pay off that debt. I had a letter from Virgin this morning saying that so…
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Confused by interest rates?!
Hi there, As title suggests - I'm a little confused! Barclaycard Balance (last month) : £2992.05 Payments made to card: £130 This months Balance: £2908.75 What is the interest rate. It was 29.90% APR but I had wrote to them lately asking for it to be dropped as it was way too high. Looking at the statement it says:…
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Should I be panicking about balance transfers?!
In this week's mail out: "URGENT! Do a Debt Audit BEFORE recession hits. Recession can mean redundancy and pay freezes; which will kill your credit rating. So everyone should act NOW to do a Debt Audit. " :huh: Do we think it is likely that CC providers will withdraw their balance transfer offers in the near future? I have…
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Applying for a card I've had previously
I had a Capitol One card several years ago, paid it off and closed the account. Can I take one out again and take advantage of the 0% interest on purchases again?
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Keep balance in USD
I am wanting to pay for a hotel in New york through American airlines. Is there any card i can get that will allow me to pay for this in USD and keep the balance in USD untill i decide to make a payment, then convert my Sterling to the USD balance. I have a BMI AMEX card but i am sure when i pay with that it will instantly…
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What Is Better The Best Credit Card?
Okay, I just joined this website and is pretty overwhelming just how much information is here. I came across the AMEX Nextar card on the Freebie article posted in the sticky section. I decided to apply for the card and got approved (despite my average credit history). Before I activate it, can anyone tell me what card they…
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Credit card v overdraft
Hi, I have an o/s balance of £ 2500 on my credit card and I wondered if it's better to pay it off with my overdraft. Can anyone advice please? LS
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Amex Platinum cashback question
Hiya all Have just got my new card in the post and getting ready to switch all my spending onto this card :o ) I have a question.... can I pay my mortgage / council tax / utility bill payments using my Amex card instead of by direct debit? How would I set this up? Would definitely be a massive plus for the cashback!! Rosie…
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Credit Card Charges Reclaiming
I would like to know on behalf of my girlfriend, can a Bank close your credit card Account as well as other accounts with the same company once you have reclaimed your charges
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House of Fraser Mastercard
Hello all, I'm just wondering if anyone else has experienced problems with House of Fraser mastercards? I have twice set up a direct debit to clear the monthly balance in full on the card, only for this not to take effect. the first time I was sent a letter telling me that the bank had no record of my request, and the…
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Capital One Claim need interest charge rate please??
Please can someone help or advise??? I am using the template from this website to make a court claim against Cap One having gone through all other formalities and it states that you should put in the interest rate charged at the opening of the card balance. How can i find this out i do not have the T&C's from this time?…
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Credit card query
I am looking for a credit card, becuase i want to pay of the 5 accounts i have with HFC bank for 30% apr, I am paying out around £120 a month and i owe about 1200 in total, so I am sure i can pay it off quickly with a new credit card. Is a balance transfer card the one i need, or is that for switching card to card balances…
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Credit Card Query.. Payments
Hello Everyone This month, i paid £700 off of my nationwide credit card. Every month, i always pay on time - although its usually only £50 or £100 and i usually spend it by the end of the month again anyway, but i always pay. When i pay these £50-£100 payments, the money is clear and available on the credit card in two…
