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Virgin Credit Card late payments
I really hope someone can help as I am feeling super frustrated. At the start of the year I transferred my credit card balance to a Virgin Credit card as I was advised they had one of the most attractive promotions - 0% balance transfer for 18 months and 0% on purchases for 6 months. I was thrilled with this I use internet…
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Thinking of getting a credit card for a big purchase
I'm about to buy a new TV, for just under £300. I hear that Martin always recommends that you purchase anything over £100 on a credit card. I've also heard there's lots of other reasons to buy on a credit card, including cash back, freebies, extended warranties, etc. I'm trying to work out which credit card would be best…
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Unable to cancel card because of a 40p credit balance
Over the years I have taken advantage of the various balance transfer deals then cut up the card never to be used for anything else. After reading Martin's information on cancelling all credit cards if you have zero balance because even if you don't use the card it still looks like you have £xxxxs available to use on that…
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Application declined
I am after some advice. My hubby applied for a credit card and was declined??? We have an excellent credit record and have a very good salary....the only thing i can think of is we have moved back from abroad (no electoral roll in different country) and have lived in the uk for less than a year. Our current card interest…
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Wipe out your credit cards from pre 04/07??????????
HI, I AM NEW TO THE FORUMS SO I AM VERY SORRY IF THIS HAS COME UP BEFORE BUT I HEARD THIS ON THE RADIO TODAY. APPARENTLY YOU CAN WIPE OUT OLD LOANS AND CREDIT CARD DEBTS BECAUSE OF NEW LEGISLATION?? IS THIS CORRECT OR JUST A SCAM??? I PHONED THE NO. AND WAS SENT SOME FORMS VIA EMAIL AND WAS TOLD TO FILL OUT FORMS AND…
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Cap One Rate Increase!
Hi Just got a letter through from capital one explaining the card that I have (well named card holder) that the interest rate is going up from 22% to almost 32%! Shocker. The reason they gave was because of the 'steady worsening of the economic enviroment' Just a heads up as this was the Capital One Platinum card.
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How do we stop a payment going out?
My wife has ordered a free trial of a supposedly wonderful product that aids slimming, she did this without my knowledge in the build up to the wedding. Packages arrived from China, I spoke to her to advise they had and she said she was expecting something from USA. Now. I didn't ask any more questions at the time because…
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MBNA Credit card
I have been stoozing from a MBNA credit card to purchase my car. Next month the rate goes up and I want to pay it off in full. There is currently £1000 on there by pay day I will transfer the remaining £1000. My question is when I have done this I pay the minimum by DD each month to quarentee I dont start being charged…
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can I transfer a balance from my MBNA card to my partners new Santander Zero card
In the last few months I transferred a balance from my partners Capital One card (they put the interest rate up ) onto one of my MBNA cards which had a lower interest rate. This transfer was allowed by MBNA. My partner has now got the new Santander Zero card which has a zero % interest rate for 12 months. We tried to…
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Ignore!
thanks one reply and that had to be sarcastic, why do people have to be so nasty. You are obviously perfect.
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how can DH get another cc?
my husband is trying to get a credit card. he currently has an airmiles duo card, which he has never missed a payment on, a loan which he has had one or two late payments in a year , a phone contract-always paid on time and.....hes got a joint bank account with me that has had a lot of unauthorised overdrafts etc etc and…
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Result with Tesco
First I'd like to say thank you to never-in-doubt for this thread http://forums.moneysavingexpert.com/showthread.html?t=1612333 Today I was accepted for my my first mainstream credit card in 8 years :j A combination of ID fraud by someone I know and mountains of debt from Uni left me in a pretty bad state credit wise. A…
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Virgin Card APR rise
Just got a letter today from Virgin Money. APR is going up to >34%. I am struggling to make the payments just now......please dont shoot me down, just plodding away trying to fight the fires just now. My "credit file" is shot to b**gery just now, and cannot get another credit card to xfer the balance. Is there anyway I can…
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Can a Third Party Transfer my Balance?
Please Help - I have a credit card with Halifax, and they are charging me a very high rate of interest on my balance which is approx £4500. I no longer spend with the card, and pay about £300pcm off the balance instead. I'm unable to obtain another 0% credit card to transfer the balance due to average/fair credit score. My…
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Will having interest frozen be bad for me at all financially?
I had a call from Citi card this morning.I paid them a couple of days late this month.Never happened before.Anyway she asked if I was having any financial difficulties,things are tighter than usual but I always manage to pay my bills. I said things were okay and I didnt forsee paying late again.She went on to tell me they…
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virgin credit card 0% coming to end help
my husbands virgin 0% is coming to a end he is thinking of calling up and seeing if they will extend it, would they we have never missed a payment,
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Please Help Me!!! (Capital One)
Hi There, I hope somebody here can help me.. I checked my credit report and to my suprise found I have a satisfied default with Capital one which I had no knowledge of. I did one fall behind with payments but was not told of the actions they took. I wrote to them sending a £1 postal order asking for evidence of this…
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Unaceptable card for balance transfer?
Hi. I've just got a new barclaycard to transfer balances from my store cards. I phoned up this morning to transfer the balances, and although the first one was fine, when it came to the second I was told I had given an invalid card number. After checking and double checking the number I was told "perhaps it's one of the…
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Best credit card uk customer service
Can anyone recommend which credit card has uk call centres, which give correct info and good service, we'd also like to be able to view transactions online easily. Not bothered about the apr as it will always be paid in full, just want a company that can sort out any problems should they arise and not have to be put…
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prepay credit cards - how do they work?
Hi, girl at work has just got prepay credit card but I was wondering how they work? Do you 'top them up' as you go along? And can you use them abroad? x thanks! x
