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Cancelling Experian credit expert - can you get another free trial later?
Has anyone signed up for a free Credit Expert trial, cancelled and then signed up again for a further free trial a few months later? Thanks Mark
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Egg card crash?
Am new to this forum. I joined as I didn't know where else to get information! I have an Egg credit card, have always paid off my balance by d/d every month. My card was stopped 2 days ago, I can't get get through to them due to high volume of calls, is this a repeat of Feb 2008? I've had no letter or any kind of warning…
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Credit Card handling fees
Hi I have a credit card which I transferred money to prior to a trip abroad so the balance would be in credit, I have withdrawn money a couple of times using this card at ATM's, then when I checked my balance I noticed that I am being charged a 3 pound "handling fee", does anyone know much about this?
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Is It Still Worth Using An Asda Card For Petrol Discount?
My partner and I use her Asda card for petrol purchases as this has until now given a 2p discount per litre - she doesn't use it for anything else. She has now been notified that as from 1st March this discount will be halved to 1p/litre. Locally Sainsburys, Tesco and Asda usually have the same pump prices (Asda leads down…
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Goldfish and Barclaycard-Have you had your statement
I may just be having a moment of paranoia but thought anybody out there who was a Goldfish cc holder might be interested in the following. I had a Goldfish card with a low rate balance transfer which was taken over by Barclaycard. I realised I hadn't received my statement at the end of December but as my payment due date…
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Halifax Card - Went Overlimit and Lost % Deal - Happy Ending
A bit of good news here, before Christmas Wife down with Flu and then I went down with Man Flu, bough lots of stuff online but used the wrong card, which resulted in a £12 charge and loss of my 0% deal. Called then up and calmly explained the situation and they have re-instrated the deal. OK but I got a £12 charge (that's…
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which do I pay first????
I start every year the same saying I will sort out my finances but this year I REALLY mean it, I have been paying off the debt for the past 3 years and have so far managed to clear just under £5000. I currently have the following debts Sainsbury’s Bank Credit Card £1750 APR 23.9% Monument CC £432 (defaulted and on payment…
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Jumping credit card APR
I have a credit card debt with HSBC of around £6000. I have tried so hard to transfer the debt to other credit cards or to other loans with different companies and with HSBC themselves, but because I have a bad credit score and am self-employed, I keep getting rejected. In the meantime, HSBC keeps raising the APR on my…
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Repaying my credit card debt
So it's 2009 and the year I want to tackle my credit card debt. Currently I owe £7,500 on four different cards. Virgin £2,927.63 Royal Bank of Scotland £2,008.99 HSBC £1,460.57 Barclaycard £1,025.94 TOTAL £7,423.13 I have no idea of the APR I'm paying on each card but will be phoning these companies in the morning to…
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Yes another overlimit question
Hi, ok I've just logged onto my Amazon credit card (with Halifax) to make a payment. My payment isn't due until the 31st. I've been charged an over limit fee, even though at no point in this month until that fee and interest were charged was I over my limit (1850). I missed a payment in November, and paid it in December.…
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credit card and holiday insurance
i have just booked a holiday to spain using my barclaycard platinum and i am not sure if the credit card covers us for our travel insurance or if i need to take out a seperate insurance policy, does anyone know if credit cards cover you for holiday insurance like some bank accounts do. thanks for any replies.
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When to apply for new credit card?
Hiya, My 0% purchases credit card is about to come to an end soon. Currently around 6k on it and earned a fair enough piece of interest off it the last 9 months. Anyway will be paying that off when it comes to an end. My question is i want to maximise the amount of limit i can get for the new credit card, so is it best to…
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Credit History - Clear up "on your file for 6 years" confusion
Hi, Just want to clear something up as this still confuses me now.... Equifax says that credit history will stay on your account "6 years from the date the account was settled" Here is a screenshot of one of my accounts: Does this mean the 4 payments late will fall off my file: a) September 2008 - 6 years after the offence…
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Frickin Egg Card....
Hi Guys I'm a bit of a newbie, well a regular in the DFW boards, but just wanted some advice... I had an egg card, and was one of the people they sent a letter to - stating that they didn't want me anymore as a customer once my balanced was cleared (I had a direct debit set up for minimum payment, and they weren't making…
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Dont know what to do.................
Hi all Have posted on DFW thread after having LB moment and just thought would we pop here for some advice on CCs. We have been looking at the Virgin BT 0% 16 months card. We have £450 on a Barclaycard 15.9%, £930 on M&S card 0% until July and a Barclay Loan £908 17.4%. Total £2288:eek:. We were looking to BT all 3 debts…
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Use "spare" cash to pay off loan, or reduce balance on a 0% CC?
Hi all. I've got some spare cash saved up, and I can't decide if I should pay off a loan or reduce the balance of a 0% card. The loan balance is just over £600, and the card has £4600 on it. The 0% deal finishes in July. The spare cash would be enough to pay off the loan, which is due to run until the end of next year at…
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Fraudulent Transaction, CC given up!
I bought a new phone via the Carphone Warehouse (CW) last August. Within 10 minutes of turning it on i had 2 calls; one from O2 welcoming me to the network and another from the CW...well they said it was the CW! Now usually i'm not as daft to give my Credit Card (CC) details out over the phone but for whatever reason this…
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Virgin - Their in for it.
Hi folks, I'm so angry I can't leave it until the morning, story goes like this... Transfered funds (3k approx) to a Virgin One (i think) 15 mnth interest free deal.. All fine paying £170 odd a month never defaulted, anyway looked at my statement and they have kindly reduced the payment to £25:mad: I'm not te best with…
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New to credit cards.... help please?
Ok so i am about to get my first credit card, and am about to ask probably the most noobish question you will EVER get asked, but i am seriously stupid when it comes to all this new things. anyways the question is as follows: How do i pay off a credit card. I am about to get a barclycard student credit card if this makes a…
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low monthly payment card wanted,in a spot of trouble
i currently have a virgin card with £3000 on it the 0% runs out this month and the payment is goin up from £25. i already have a barclay card,halifax and abbey,non with credit on,but non with offers on.well barclay has offered 0% 6months with 2.5 fee i just need a deal for the next 6-8 months as im just struggling to pay…
