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Capital One Classic Visa Card
I just had a couple of questions regarding the 34.9% APR typical variable card from Capital One which is aimed at those with a bad credit rating. Capital only provide an overview of why you might have bad credit but it does not mention CCJ's or defaults on your file. I applied for the card and it said they would write to…
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Would M&S have me again?
Hi, I had an M&S credit card from about December 2007 till January 2008, where I paid the card off and cancelled it. Not had a credit card since as I`ve not needed one but I do now. So, would M&S have me as a New customer or would I not be eligible for the 10 months 0% as Ive been a previous customer? Thanks all.
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Using CC cheque for deposit??
My credit limit on mbna is £17k+, zero % till Nov. If i use a cc cheque (~£16k) to pay an estate agent, will this be treated as a cash advance?
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First Card. Which one?
Hi, I want to get a credit card to help increase my credit rating. No intention of really using, but haven't had one in years due to a default when I was a student. What is the best one to go for. I will probably spend a little a month, purely to pay it straight off. thanks
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Cancel NatWest, Mint or Halifax card?
I have the above cards from previous stoozing. I'd like to cancel one to bring down my available credit, but don't want to miss out on any repeat deals that may come my way (appreciate this is increasingly unlikely as we enter recession). Has anyone had any repeat 0% (or very low rate) deals on Halifax, Natwest or Mint…
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Looking for a credit card for a small charity to USE
Hi I am a Trustee of a small local charity. We are registered with the charities commission and are also a company limited by guarantee. I am trying to find details of credit cards that we might be able to apply for to make purchasing larger items easier. At the moment, our staff have to use their own credit cards and then…
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Abbey Zero card application now available online
I was just searching around last night before making a call to Abbey, and they have an online application form. As the Abbey website was unavailable for a couple of hours yesterday, I guess they just upgraded the site and it's a new feature. Here's a link directly to the Abbey Zero card page. Hopefully it works for you!…
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Cashback Credit Cards / questions about paying off in full.
Hello there, I've just read Martin's excellent guide to cashback cards and when my car insurance is due in April/May time I''m planning on getting the Amex, buying the years car insurance thus saving a little on the interest you usually get charged and making something back in cashback. Having never owned a cashback card…
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How to calculate interest on balance transfer account - The Size of saving
I've recently got a barclaycard 6.5 % platinum card that's shown on the http://www.moneysavingexpert.com/cards/balance-transfer-credit-cards#cheapest page, however I wanted to try and build a spreadsheet so I could try and calculate how long it would take me to pay off the transferred balance. I won't be spending on the…
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Online application for Post Office credit card
Here's a thought - just applied online for a Post Office credit card and they couldn't agree to the application straight away; said they would have to write to me. I immediately cancelled the application and didn't tick the final checkboxes. However, I assume by this point they will have carried out some checks, possibly…
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CC application - unemployed about to go traveling on working holiday
Hello everyone! I am about to go on a working holiday visa for a year to Australia. I was considering applying for a credit card as added security whilst abroad. The problem is I am not working and due to travel in March. My question I suppose is, 'is there any credit cards that would consider my application as I am…
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Three sets of interest on CC Statement
I've always wondered about this but never had the courage to approach them to ask. Why are there always two or three sets of interest on my CC statement? To explain: my natwest cc is chronically at its limit -- please don't ask; I know it's bad but other debts have been a constant priority. The balance is usually around…
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Credit card declined whilst abroad
Just wanted to share a recent experience with other users about using my Nationwide credit card whilst on holiday in the USA. Before I left for this holiday, I rang Nationwide to tell them that I was going to the USA so that they wouldn`t think that any usage there was unusual. I decided that I would use the card as my…
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Halifax 0% - Extended?
Hi All.. I have a Halifax card that I used to pay for a MFI kitchen and planned on paying off the balance at the end of the 0%. I didn't get the kitchen and the transaction is still in dispute, the amount max'd out my card to within £35 of its limit. Halifax have told me to expect the money back but I was thinking of also…
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Prepaid credit card advice sought
Hi all. Does anyone know if a prepaid credit card is offered where you can top-up by mobile phone? Most cards offer this where a credit/debit card is linked to a mobile number when purchasing the card, but I can't find one that offers top up by debiting the top-up amount from a PAYG phone or charging to a mobile monthly…
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Egg card to egg card transfer
Hi all quick question: my mum has offered to help out my sister by applying for an egg card, just wondering can you transfer a balance from one egg card to another as they're the same provider? just wanted to make sure before she applies...
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Passport needed for additional card
Just called Nationwide to get another card on my account for my wife. Was told can't do it over the phone or online. They'll send a form which both of us must sign and -- I'll need to send a copy of my wife's passport! My response was "No chance. We're not allowing an organisation like Nationwide to have an uncontrolled…
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Student wanting Credit Rating
Firstly I apologise if something along these lines has been posted before; there's an abundance of threads and it was simply impossible to look at them all. Right, I was hoping people could help me! I'm a student but with a normal Current Account, not a Student account. Im planning on changing banks because next year I…
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0% Ended...Couple of months payment left...Call Barclaycard!
My 0% balance transfer ended this month on my Egg Card with about 4 months of payments left on it, most annoying. I called Virgin (existing customer) to see if I could transfer from Egg to them to see what rate I could get and they could only offer 3.5%. As a last resort I called Barclaycard (also an existing customer) and…
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Redundancy & outstanding debt
I've recently been made redundant and need advice on how to manage my debt to four outstanding credit balances, ranging from a few hundred to over a thousand; the total amount roughly £5000. The repayments were tough but manageable when I was earning, but, as I'm currently on benefit, I won't be able to reduce the debt.…
