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Egg - Minimum Finance Charge
I've just got my statement and the last item is for "Minimum Finance Charge" 50p. I've googled and found that it used to be for changing into sterling, and now it is where the interest is so low, they top up to 50p. This doesn't apply to me as I pay the full amount every month. I've just rung Egg and the odd thing was that…
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virgin pay't crediting times...
Does anyone know why it takes sooooo long for virgin to credit your a/c after you have made a debit card pay't? I do have a DD set up, but also make additional pay'ts via debit card on line these take at least 48 hours to credit .my a/c & they don't backdate
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Never had a credit card before - no idea where to start!
Hi, i hope you guys can help me. I'm 27, divorced, and living in shared accomodation at a Hospital (not as a patient I might add). I've been told by a mortgage advisor that i need to get a cr card to help my cr rating because apart from a mortgage that as of early last year I've had nothing to do with (name removed), I've…
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Pre-pay credit card advice
My neighbour only has a basic bank account and does not trust herself with a debit card or credit card. I mentioned to her about a pre-pay credit card as she wants to do her tesco shopping on-line (can save her 10 on first shop lol) and she likes the idea. The only thing is i know nothing about them but you put money on…
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To stay or to change?
Hi everyone! I am currently with Egg card, have been for a few years now. I have £2800 to pay off (although just paid off £300 this morning) so that brings it down to £2500. I was wondering should I swap over to another credit card which doesn't charge interest for so many months or shall I stay with Egg and keep on paying…
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Credit card question..
I read somewhere recently that it's not good for your credit rating to have credit cards but not owe anything on them. I have several cards that I don't owe on and wonder if I should cancel/close them...any advice?
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what help should they provide?
My husband has lost his job due to the company going into administration! Suddenly we have no money coming in with 2 kids. We rang the credit card companies we are with to inform them of our situation. We more than likely won't be able to met the minimumn payments, asked if they could perhaps lower it for even two months…
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Credit Card Application
I was recently declined for a credit card with Virgin. I have a loan with HSBC, a credit card with Natwest and credit with a catalogue currently having a balance of £20.00. I was told that companies like Virgin made a decision based on your income and you'd have a better chance getting a credit card with a bank.…
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prepaid card
Am looking for a prepaid card so I can pay my ISP and Sky without direct debits and bank charges. I am so fed up with bank charges. Also, if I could find a prepaid card, I could order from Amazon. Books are cheaper that way. Could also order from Asda which is too far from to shop in. :T
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Just got my new Barclaycard - 2 questions
Can i and how do i do balance transfers online? The guy who activated the card said he could do it for me or i could do it online so i decided i'd do it myself. But i can't see any option. And secondly, would i be able to balance transfer some of that amount to my cahoot debit card to clear my £500 overdraft?? Or would…
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Intrest on my credit card
Hello all im wanting help with my credit card intrest rate . last year i did a balance transfer to capital one and was paying off my bill. however i did the thing that Martin said you should never do yes you got it i spent on my credit card . I can only afford to pay the minaum on the card but i have noticed on my…
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Credit cards/defaults/loans... help needed
Hello I need help trying to decide what is best to... I have 3 credit cards to which are defaulted and have been since mid 2006. I also have a loan to which i am paying a 24.4% APR on. I have 5 years of the loan still left. I have come into some money, but i can only pay off the credit cards OR the loan. So... am i better…
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Best timing to apply for a Credit Card
I'm looking for applying for a new credit card- possibly - barclaycard or Tesco for BT a bit of details moved home Oct 08, currenlty registered in the Electoral Register from Nov 08 already 3 CC, with approx £1000 in MBNA (BT) ending in March 09. tried applying before moving and got denied by tesco and M&S (both 0% cards)…
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Withdrawing cash
For reasons I don't want to go into here - if I withdraw, say £2000 from my Barclaycard at an ATM how do I go about avoiding any interest? I'm aware that it starts from the moment I actually withdraw - but if I pay off in full for the next two months, would that be OK? or should I pay off the next statement in full, then…
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Credit Card with 'satisfied ccj'?
Hi, my credit rating is ok but have one ccj that was satisfied after a month, two years ago. I have applied for a credit twice, virgin and natwest and have been declined. Virgin said it was to do with the ccj and not having any credit history (I have no mortgage and one loan !!). Can anyone point me in the right direction…
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BarclayCard Initial
I'm 18, poor credit rating as I have no credit history. I applied for a Lloyds TSB Airmiles CC (Turned down) and a Capital One Classic CC (Turned down). My last resort was a BarclayCard initial. I applied for one on Monday, however have heard nothing yet. I've checked my credit report on Experian just now and Barclays…
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Different credit reports with different formats of same address - what should I do?
Hi, I have obtained my CreditExpert reports recently using the TopCashBack website. Now my (correct) address is Flat xx, Some House, Interesting Street, Any Town. When I used that to get my credit report, I only noticed 3 of my 9 credit accounts, and it says no electoral roll information. I looked to my previous report, to…
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New to credit cards.
Hi, Im totally new to credit cards. and dont know much about them. I purchased an item 6 months ago on a 'buy now pay in 6 months' deal. Since then I've had problems with the car and most of the money saved for the repayment has been spent on the car. I've seen the page on here show M&S as the best card for 10 months…
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Credit Card Balances - Pay off Monthly
Hi, I've been wary of credit cards but then a friend pointed out that as long as you pay off the entire balance every month its like having free credit. And add to that with some of the cashback cards/point based rewards it like getting freebies. My question is - do people manage to pay off the entire balance every month ?…
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Sainsbury's Credit Card - Balance and Spending?
Hi, I currently have a Barclarcard, which I pay in full every month. I'm looking into getting a second credit card to help pay off an excessively large bill from the christmas period at 0%. I also may be interested in a 0% spending card for the next few months, as things are expensive now and I expect household income to…
