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credit card insurance question. is it worth it?
Hi my parents are taking out a credit card with a view to making quite a large purchase. They have been advised to take out the insurance with it eg. if they loose their job/sick the credit card company will pay min balance for 12mths or if one or both of them were to die, god forbid, the debt would be wiped out. I;m not…
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Credit Cards and Storecards - would this work??
Hi there, A hypothetical question here that I hope I will never try (having sworn off storecards!) I've been thinking about balance transfers for another reason and it got me thinking about my Barclaycard which has the usual 6.9% transfer rate. Now if I was to purchase something on a storecard at 500% or whatever stupid…
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monument credit card
hi there every one. i would like some advice please. i have held a monument credit card for some time now (now barclays) and i took out payment break payment plan. they didnt do ppi. this allowed me to take payment breaks should i find myself out of work for a maximum x amount of months. My balance did not go down or up…
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Paying off my Mastercard
Hi everyone, I am 22 years old and managed to get talked into taking out a credit card a year ago with the lovely(!) HBOS. I then of course, had every intention of using my card when need be, and then paying it off at the end of every month, but when my partner lost his job I ended up getting further and further in debt to…
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Improving my credit rating
Hi all I've got a CC debt of app. £1.5k with HBOS. I haven't been as good with managing it as I should have been and have had some late payments over the past 6~8 months which is obviously not good for my credit history. I've also got a BarclayCard which I haven't used for a few years and has a zero balance on it. I'm in a…
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electoral role
not sure whwer this is best posted,but it is relevant to credit cards apps as well as all other credit applications. I have recently become mobile again to keep myself in work( ie moving around on short term contacts).I am still registeredfat my old address on the electoral role and have been for nearly 3 years. I have not…
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capital one charges
hi, i was over my limit on capital one card, left it alone for 3 years or so, moved house a few times etc and forgot about it thinking the payments made each month direct debit would take my balance back within the limit again. well when i contacted them it was 258 over the limit, im now considiring asking for charges…
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additional card holder
does anyone know if credit card companies do a credit check on a person you want as an additional card holder? cheers
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Increasing my credit limit?
I'm planning to use an Egg Money and an Egg Credit card to finance a trip round America for a while, but I could do with a bigger limit on each card. Up until now I've used them occasionally and always paid off the full balance each month. When I start my trip I'll just be paying the minimum payments then paying off the…
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Electoral Roll
Hi there, I have just applied for a credit card with a 0% balance transfer rate to shift my debt onto. I haven't made any applications in about 8/9 months, so I used the free trial for Credit Expert to see how things were looking. All green, so far so good - but then I noticed that it said that I am not on the electoral…
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RBS Student credit card
Did anyone else get a letter from RBS in the post about their transfer offer? 0% on balance transfers until October 2009. They included some credit card cheques with this and said they an be used for more than money transfers. Also paying off overdrafts and loans etc. I have to pay off my student overdraft by the end of…
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Credit epxert report
Not sure if this is the right place to post this, but I checked my credit report the other day and one of my cards is showing a balance of £6k when it is clear! And the last date which it was *updated* was 15 March (the card was clear by this point). Any idea how long it takes credit reports to be updated? I am annoyed as…
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payment protection
i have got payment protection with my mortgage i am 60 years old and receive a private pension does this effect my cover if i go on the dole ie am i still covered
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Abbey Card & GE Money balance transfer
Hi, I have a Barclay Card & an Mbna card which both have horrible interest rates and am looking to transfer to an Abbey 0% card. However, I also have 2 GE money Cards Debenhams & HOF with Low balances on them. I would have gone ahead and done the transfer, but am concerend that Abbey now own GE money and I am confused…
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can i claim on credit card
We bought a new pram in jan 09. it had a few hiccups so e-mailed manufacturer as store was not very helpful only to find that the pram is 2 years old. can we claim on our credit card as the store misrepresented itself and led us to believe that we were buying new not second hand. we paid £600 for it.
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credit card
i am about to write to mbna asking for my ppi reimbursed as i am not covered due to the fact i am self employed if they close my account am i legally bound to pay back the balance immediately
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capital one debt sold on can i recover the service fees
My partner has a Capital One debt problem that was all charges from a credit card she had. The debt was sold to Robinson Way and she made payments bringing the debt from some £400 to £279.00 during this time we asked robinson way to provide a Credit Agreement and asked them to provide a breakdown of the debt as it is all…
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Clauses in credit card terms
Does anyone know anything about credit card clauses on credit cards issued before 2007. I have heard of writing the debt off if you have one of the credit cards in question????
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quick credit
I need some personal credit asap for an unforeseen situation :o . I don't want a loan, i just want a credit card which i can transfer a balance onto (preferably) and which will give me some 'leftover' credit - or just a few hundred worth of credit to tide me over a rough patch. Which is the quickest card to apply for…
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American Express Rip off
Does any one know if it is legal for a credit card company to give you a months notice to double your minimum payments?
