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Second card holders
I was just wondering if it is possible to transfer balances from my wifes credit card. Is it possible to do this if I add her as a second card holder as I have lots of promotions on my cards, but she has nearly managed to fill hers with top rate interest...any info would be appreciated. Many thanks
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Secondary credit cards
If I gave my partner a secondary (supplementary) card from my Amex account does that mean he will have a credit search? And if his credit history is not too good will he be denied a card, even if it's on my account and my liability? If none of those, is a secondary card likely to improve ones credit rating?
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Being ignored by Barclaycard...HELP!!!!
Hi guys I sent Barclaycard a letter almost 2 weeks ago telling them that I was unable to meet my minimum payments as I wasn't working and I was looking for advice and assistance. I got the template from a link on this site. I know that they received my letter because they have started ringing me but in the letter I asked…
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Do all credit cards provide compensation
Just wondering, I have credit cards with Natwest (classic), barclays (student), lloyds tsb (student) capital one (classic) and mint. Which card provides protection say when i have bought something and then the company goes bust - I cannot remember what it is called? I just wanted to know, so if I think there is something…
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Loan vs Credit Card
Hi there! I'm about to start a new job in January 09 where I'm going to be paid monthly in arrears. In my present job I'm paid weekly. As I have DD and SO on my debit card, what would be best to have to get me through the first months of next year a credit card or a bank loan? Any help would be much appreciated. Thank you,…
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Help understanding my credit card
Hi, I'm a student and have a natwest student credit card for emergencies, and in the past have paid it off in full every time I've used it. I'm waiting for my bursary to come through and have used it to buy xmas presents and car insurance etc etc. I thought I had everything added up properly but clearly I didn't and I've…
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Nat West Cc - Bt For Current Customers
Might have been mentioned elsewhere but just in case. I cleared off my NatWest CC in October and received a 9 month 0% with NO transfer fee a week or so ago. The offer lasts until 22nd december so might be worth a phone call. I'm guessing I got the offer because I cleared the card.
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Low credit rating?
Hi all, I am 18 and applied for the Abbey (cashback) credit card 10 days ago . I had not recieved anything yet so phoned them. to check. I was told it had been declined awaiting appeal and I could write to underwriting dept. He said its probely because I have no credit history. I asked why I didnt recieve anything saying i…
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Virgin card holders - check your due date!
Hi folks, I was *very* fortunate to stumble accross a post on, ahem, another finance website which warned that the minimum payment due date on their Virgin card had been creeping forwards by a day or two per month. If they hadn't noticed, their standing order would've been late, they would have missed the payment, had a '1…
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A useful e-mail i received regarding credit card fraud...
Please ignore this post - had technical problems...
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A Useful E-mail I Received Regarding Credit Card Fraud
Quite interesting - and in a way it will help you to keep your credit card bill down! > > SCENE 1. > This is a new one. > > People sure stay busy trying to cheat us, don't they? > > A friend went to the local gym and placed his belongings in the locker. > After the workout and a shower, he came out, saw the locker open,…
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Interesting conversation when MBNA tried to raise my interest!
Bear with me please, its quite a long post.... Over the past year, I've received 4 letters now each time trying to raise my interest rate, I have an mbna platinum plus from 4 years ago with a rate of 6.9% 1, 6.9% to 12.9% (I phoned and complained and kept 6.9%) 2, 6.9% to 16.9% (Again I argued to keep my rate and suceeded)…
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Is this necessarily a bad thing?
I just applied online for a Barclaycard Platinum for the low LOB interest and rather than come back with a decision within the alloted 60 seconds they replied with 'Sorry we need more time...' They gave a few plausible reasons why but I wondered whether anyone else has come across this before and if so, is it a bad thing…
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Mackenzie Hall
Hi, I was wondering if anyone else has ever recieved the same texts as me from an unknown number? They all read: Please contact Liz at Mackenzie Hall urgently on 01563556701 quoting reference... I have never been in contact with a Mackenzie Hall, and I always get the same text around the same time every week. I've read a…
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MINT When a Credit is NOT a Credit
A REFUND IS NOT A CREDIT/PAYMENT IN THE EYES OF MINT!!! Dear Martin et al. This is a good one for you. I have a MINT card that is used only for balance transfers. I also have an HSBC card that I made a purchase on. Unfortunately the HSBC card expired before a refund I was due was credited to it, so I asked for the refund…
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HELP PLEASE! Credit card or loan?
I've found this site really useful but haven't needed to post much before. However, I have just hit a problem and need some advice from all you moneysavers! I've been managing my credit card debt by switching between 0% cards. I've got my debt down to just under 7000. I have just switched back to Virgin as they offerred me…
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HBOs credit card help
I have manages to pay off one od my credit cards, but have yet to close the account. My latest bill has come through (online/paper free) and it says my balance is 0.07. When i try and pay it it says the minimum is 1.00, but when i try 1.00 it won't let me as it will put my account in credit. I don't want to pay nothing and…
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Halifax/IF Credit Card Customers Beware!!!
A few months ago Halifax lowered their minimum repayment rate from 2% to 1%. Sounds great but, in the long term, you're actually paying more back to them. But... that's not the gist of this thread. I checked my online statement today & alarm bells started ringing very loudly in my very small ears. I noticed that my minimum…
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Letter from Alliance & Leicester
Hello all I just received a letter from Alliance & Leicester telling me that, as of 1st January 2009, they are putting up their APR of their credit card to: 27.9% What planet are they on??? Do they seriously expect me not to run a million miles in the opposite direction rather than use a card like that!! I wouldn't mind…
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Which is the best credit card for holidays?
I'm looking to take out a credit card, but can not decided which is the best one to take out. Is it the Lloyds Duo card which gives airmiles, or a combination of the BA American Express and say the Marriot credit card for stays in hotels. Does anyone have any good suggestions?
