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Virgin Credit Card, any ideas?
Afternoon all I applied to Virgin online for a credit card to enable me to BT roughly £3700 from my Halifax card ( I have reduced this in the last 9mths while it has been on 0% from £7400). The reply i got was "we will need to access your application and let you know in 7-10 days" (or something along those lines). I am…
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Credit Card vs Loan
My husband and I are applying to buy a house through the Lift scheme and need to take out a loan to pay the fees and cover our moving costs. We need £3000 maximum and I was wondering if we would be best doing this with a loan or a 0% card deal as I had heard this may be cheaper due to the amount we are looking for.
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Don't give up!
I just wanted to say to people trying to get rid of credit card debt - don't give up. We recently approached our 4 credit card companies (total debt £11,000)with a budget sheet, asking them to give us a period of 6 months at repaying £10 a month on each of them, and to freeze interest and admin charges. 3 of them agreed to…
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Good deal Halifax Card
Just found out I had an old card from the Halifax after looking at my credit expert report so I gave them a bell and at first she said they could not offer me the 0% on transfers due to this being for new customers only :mad:but she said she would look and came back and offered me 0% for 6 months I then said have you…
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Is this unfair?????
Hi there I currently have a Virgin credit card which I have had for some time. I took on this card as I had a balance transfer of £3,000 I needed to move and Virgin were offering 12 months 0% interest. I aimed to pay it back over the 12 months but due to unforseen circumstances this could not happen and now the card has a…
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thoughts on the Marks and Spencer credit card
as we need to apply for a 0% for purchases card on self employed basis. thanks in advance.
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Barclaycard Platinum Visa - be warned!!!
I've had some money on 0% balance transfer for some time, paying off the minimum every month by direct debit. The 0% was comming to an end so when the last statement came through I paid off the full amount minus the minimum thinking that would be covered by the direct debit. Apparently not. If you make any payment before…
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Credit card Applications
I am looking to get a 0% balance transfers card and have a couple of Q's - If approved, how long does it take to get the card? as i am moving house next thursday. - Do the balance transfers have to be done immediately or can they be done within a month or so? I only need the card for max 12 months so repaying it is not a…
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3 Credit Reports and missing current account on all
I am just wondering of you that bank with lloydsTSB do any of you have your account mentioned on any of the CRA's credit reports? Honestly its a good thing mine isnt tbh. but was just wondering?
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Chip & PaIN - A financial fiasco
From the Independent (22 Apr, 2009) Paying by card has never been easier – and neither has being scammed. Jimmy Lee Shreeve investigates " Dr Joel Brenner of the US National Counter-Intelligence Executive warned that hundreds of chip and pin machines in stores and supermarkets across Europe had been tampered with, allowing…
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Barclaycard Initial
Hi, Is it worth me applying for this card to rebuild my credit? I have 2 defaults on my file from 5 years ago. Would it be better to wait than do a search on my file and risk being rejected? Or is it possible they may even accept me? In the past year three accepted me for a mobile phone contract but before then I got…
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nectar card
Hope this is in the right place. My bf has just got a nectar card, are they ok to use etc. I've not heard much about them, what are they for etc. Thanks.:confused:
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Credit Cards - MBNA
Hi I wonder if either anyone could advise or if there is someone having similar issues - I have high balances on several cards sadly & have already full morgaged my house etc - I am trying to stay afloat with F/T & P/T jobs etc etc - although I only pay minimum payments on my cards & am faced with using them every month to…
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Gaining more credit
If I had my first credit card could I apply for lots more? Whats the limit you of the amount you can apply for? Is it better to wait a long time between between cards? How long? What else can I do to keep up my rating? Cheers
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Warning on debt clearance claims
[FONT="]Solicitors have been warned not to accept business from firms making claims offering to write-off people's loans or credit card debts. [/FONT] [FONT="][/FONT][FONT="][/FONT] [FONT="]The Solicitors Regulation Authority (SRA) said there had been a rash of misleading adverts - many online - from…
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Balance transfers considered a purchase?
Is this normal? To cut a long story short my situation is this: 1. Applied for credit card. 2. Accepted and card/pin sent out. 3. Only pin arrived so requested new card. 4. Ask to do 0% balance transfer over phone but told I must wait until I have the card. 4. New card does not arrive and I am told they have had problems…
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HSBC CC limits
I have an HSBC Mastercard. What are they like with credit limit increases? How often and how generous? Thanks!
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Using credit card to purchase tickets for the cup final
I know I have more chance of finding shergar than actually getting two tickets for the final in the everton end!, but I was wondering which sites are safe to buy from. I mean covered by my credit card if the purchase went wrong and they didnt deliver the goods. I have been told anything from £300+ per ticket. I telephoned…
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transfering debt
I am wondering whats the best way to get rid of three overdrafts totalling about £2000. I have tried Zopa and Black Horse finance about personal loans but with no luck. Is it possible to transfer them onto a credit card? Please help I am really wanting to take control and get sorted.
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Catalogue limit increases
Is there any rhyme or reason to catalogue increases? I opened a Littlewoods account at the end of January and got a limit of £500. Since then I've made several purchases and pay the minimum payment (or sometimes a little more) each month. They just increased my limit to £750 this week. I also opened an Additions Direct…
