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Credit Card Interest Rates
Just sent the following to my bank: Hi, I keep getting messages from HSBC about the interest rates dropping on my savings accounts. e.g. "The Bank of England have reduced the Base Rate by 1.50%. Following this, we have changed the rate of interest you..." I was just wondering when I am going to get a similar email saying…
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Credit Ref Agency - accounts deleted - Why?
Hi all, over the past couple of months I've been getting alerts from Equifax (have Cap1 card & it comes free) about credit agreements being added/removed. In july my Littlewoods account deleted itself along with my Halifax CC account which I've had since I turned 18 being deleted from my file in September. Just had another…
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Awaiting Decision on AMEX Cashback Card
Applied online yesterday for above card said they'll let me know by post within the next 10 days, does anyone know whether this is god or bad news? Cheers OV
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Picked wrong 0% card in haste - go for new one now??
Had a balance transfer to make as previous 0% rate was running out fast - in haste I took up an offer from my own bank a couple of months ago, but I hadn't noticed that it included a £100 minimum purchase condition. :o So now I've got the transfer fee to pay back and some pence in cash purchase interest to pay each month -…
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Help Needed RE HSBC credit card balance transfer
Hi all, This is my first post so please bear with me - I may have posted in the wrong forum so please redirect me if I have. Basically in 2005 (back when we were naive spendalots) my husband and I had credit cards, he, then my boyfriend, had HSBC and Egg, and I had HSBC Mastercard. Basically we are getting a mortgage on…
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Help please and some advice for refused credit card with good rating
Hi there, I am desparately trying to help my girlfriend clear some debt off her credit cards however at the moment am only having refusals from card companies. She has approx £3000 debt on the cards and also a personal loan of appx £21k. I want to get a new card with a 0% balance transfer rate in order for her to pay off…
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Offer first without shown Charge's ??
Hi I applied to Halifax to get my credit card charges back, and they have offered me £120 but have not told me what my charges were or supplied me with any information that I asked for in my letter to them, they say this is a 'goodwill' gesture, and near xmas this is tempting, but has anyone else had an offer like this, as…
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abbey wont swap my old abbey card?
hi 5 years ago i was bankrupt- since then i have opened new bank accounts with abbey and have managed my money - never falling into a problem, 3 yrs ago abbey offered me a credit card whilst i was opening a saver- i reminded them of my history but they said it was fine, i used the card stupidly nearly to the limit !(1900),…
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Quick Advice ref cards
I've just been accepted online for a Barclaycard Simplicity card, which I'm hoping to BT some of my debts from 2 higher rate cards over to (in particular a nasty MBNA card that about to go up to 31.9%APR in Jan!!). However, I have 2 questions:- 1 - If (as is likely) Barclaycard offer me a very low credit limit, should I…
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Asking for cashback in supermarket on credit card
I have recently got an AMEX cash back credit card and know not to withdraw cash on it as I will pay interest even if the card is repaid in full. But my question is, if I say yes to cashback at for instance the supermarket when I do my weekly shop will this be classed as a cash withdrawal or as qualifying spend which I can…
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Balance Transfer Allocation Of Fees
I did a balance transfer with BarclaysCard OnePulse of 3k to another card, got my first statement today which shows £3075 (inc fee) and asking for a minimum payment of £69.00. Not an issue, but I'm wondering, is interested charged on the fee, do payment go to fee first? So if I pay £75 off this month all future minimum…
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BT From Abbey Zero Card
Usual story, need to transfer from abbey zero to a new card, ideally with a long BT time. I've already got an MBNA card so if I apply for the virgin one are they likely to deny me or is it classed as separate and the fact that I'm not transferring from mbna taken into account? If not, whats the next best card, please! MTIA
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Need help - debt letter re. Credit card debt over 10 yrs ago
I had a Barclay Card over 10 years ago which my Ex used - this was being paid off by my Ex. When I moved out he assured me (me stupidly believing him) that this was continuing to be paid until I had rude awakening and recieved notification by Experian in November 2006 that I had a CCJ court dated in January 2000 for nearly…
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Clear credit card or overpay mortgage while rates are low?
I can't get my head around which is the more sensible option at the moment. I was very lucky in re-mortgaging to one of the last remaining trackers last month, leaving me on rate of 3.64% The progressive interest rate drops over the last 8 months have seen my mortgage payment drop by ~£250, which I now wish to use to the…
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Prepaid credit card, delivered to USA address?
I am going on holiday in a week to Florida, but my card is Lloyds' debit card and the charges are quite hefty... Are there any prepaid cards that I could get delivred to the states (My dad is already at the house), or one that I would be able to receive before I go?
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1974 Consumer Credit Act Section 75
Hi there .. Im hoping that someone is able to help me. I have 'trolled' the internet to no avail. Is anybody able to point me in the right direction so that I can read the 1974 Consumer Credit Act - Section 75 in its full form ie; a copy of the original. I have read so many snippets, opinions and advice but really need to…
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Any advice for switching
Hi Guys After some advice on balance transfers At the mo have HSBC & Amex which both are around 18%, is the time right to try and apply for 0% or will I get turned down? Have prev been turned down for cards only twice for outstanding borrowing. Many thanks
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Barclaycard complaint reply?
Hey all I recently complained to Barclaycard in writing about 2 main issues: 1. That the cancellations department did not call me back to arrange cancelation of my Platinum Barclaycard despite me making 2 requests. 2. That when I used their automated service to check the balance was nil on the card before closing it, I was…
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"Arrangement" on credit file
Guys/girls I have an arrangement on my file which relates to an overdraft that has a latest staus of "2" - showing that i was 2 months late with a payment. I'm paying it off each month. Once the balance is paid off, will it just show as a normal settled account wihout makng reference to the "arrangement"? Also, will having…
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Cute article on Credit Searches by Callcredit Head Honcho
Credit Searches - Do They Make A Difference? Ten years ago the number of credit searches on a consumer’s credit record was an important element of credit risk assessment. High numbers of searches in a short time period were often interpreted as either potential over-commitment or suspected fraudulent activity. The ‘number…
