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Advice on my Credit Cards
Hi, I bank with Lloyds TSB and Alliance and Leicester. My bills are charged to Alliance and Leicester, but my free cash (my money) is in TSB, its just to make it easier for me to know how much I have for myself. My TSB is 800DR (with 1000 overdraft) but I was thinking of getting a credit card with TSB for emergency cash,…
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Cannot cancel my Equifax subscription
Hello, I signed up to Equifax so that I could view my credit report however I am trying to contact them to cancel the subscription before the first payment comes out. I have tried ringing on several occassions and I am either on hold for 15+ minutes or I get an automated message to say they are busy. I really want to…
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Tesco CC - No cash advance fee on foreign currency - money laundering?
I know that Tesco don't allow 'super balance transfers' ie paying funds into a current account but have just noticed that they have no cash advance fee on foreign currency.... Would purchasing a large sum of foreign currency (6k) then immediately selling it back to them in exchange for UK£ count as money laundering? I need…
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barclaycard statement mistake (in my favour)
I recieved my barclaycard statement this month and it states i only owe £1.59 when in reality I owe about £450. I think they have muddled it up with my mastercard bill. Does anyone know where I might stand with this? It would be nice to think they may honour their mistake after being a customer for years and paying their…
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They approved me for card then declined me ???
I applied for the virgin credit card. I phoned up and a lady said she would look at it while I was on the phone. She looked at it and said that she had approved it with a limit of £2,500 and that the balance transfer would go ahead in the next couple of days. On 7th July I got a letter saying they had reviewed my…
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Balance Transfer Query
Hi there, I am coming to the end of my 0% deal with Barclaycard and have an approximately balance of £1600. I have paid off my MBNA card this month (paid £5000 which left £500) so this is my remaining CC debt. I also have £300 on an Argos card on six months interest free credit. Yesterday I received 2 credit card cheques…
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MBNA raising interest rate
My hubby has an MBNA credit card & has had 2 interest rate hikes.... first one in Feb from 14.9% to ~ 30% second one notified yesterday from 30% - 34.5% when the first one was notified he called them to ask if he stopped using the card would they maintain the original interest rate & they said no. now he's had a letter for…
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Negotiating a lower monthly figure on CC'ds
Hello Im not usually on this side of the forum - mainly stick to debtfree diary bit. OH and I are trying to deal with some grim debt issues due to OH losing job and income. We have a mortgage which has been put on a 3 month holiday and we have a number of credit cards and loans all unsecured. I want to ring up the…
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What's my best option?
I have three credit cards: Virgin - Balance: £4116 Credit Limit: £6000 Barclaycard - Balance: £710 Credit Limit: £4200 Egg card - Balance: £0 Credit Limit: £3000 The Virgin card had a 0% deal which runs out this month and I have applied and been accepted for a Halifax credit card. I choose this because it has a low monthly…
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credit card confusion!!!
Hi, I am really struggling i need some advice and I dont know where to turn to..... I have a total of £5000 on three credit cards and currently pay approximately £60/month in charges. Is it worth transfering onto a 0% credit card every year then incurring transfer fees? OR leaving it where it is? OR a loan? OR anything…
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Electoral roll "edited register". Experian selling information > Criminal offence?
Hi everyone, this seems to be the only area that discusses electoral roll so....... I personally received unsolicited post from the Energy Saving Trust inviting me to take part in a free prize draw. ie my name matched to an address. I normally do not receive any named Direct Marketing (junk) mail at that particular address…
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Rebuidling credit - which card should we get AFTER a Vanquis card?
Hi all, My partner and I are working to improve our credit in order to buy a house. For the last year she has had a Vanquis, paid every bill in full on time and now has a nice gold card with a £1500 limit, as such I was wondering whether or not it is time to move to a more main stream card? If so, which one is the natural…
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Barclaycard moved payment date forward by 5 days
I pay my Barclaycard off each month on the due date which is always around 15th of each month, give or take a day or two. I know they have been accused recently of bringing forward the payment dates but am pretty good about checking mine. I have now been stung. Every month for the last year or more my payment date has been…
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How to close old credit card accounts
I keep getting refused a new CC despite the fact my credit file is completely clean, I have a high salary and yes I have debts (around £20k eek! which I am paying off slowly) I do not want to take on more credit but put some of the higher charging interest debt onto interest free CC iyswim. I have checked my file recently…
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help needed negotiating credit card rates
Sorry again being a newbie not much info on this - i have the majority of my debts on credit cards and am managing to make the minimum, sometimes a little more on each every month - sometimes am a few days late paying but always pay and because of lateness on some of them have lost good rates - as i say making payments but…
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Credit Card for Student
My daughter has never had a CC. Has student bank account with Natwest, most of her loan is in an ISA and she tends to be using her 0% overdraft most of the time. She recently applied for a Santander cc as she was going abroad for a while and it seemed to have best rates for overseas usage, but she has been turned down. She…
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Egg brings in £1 monthly charge for credit card
Not sure if this aplies to the current Egg Money card or not, but not good news either way. http://www.thisismoney.co.uk/credit-and-loans/credit-cards/article.html?in_article_id=488430&in_page_id=53936
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Post Office CC - wrong security code - help!
Does anyone have a good contact telephone number or email for someone at the Post Office who can solve my problem? When I opened my Post Office CC, I was sent a letter with my 6 digit security code. I need to provide selected digits from this code whenever I phone them up, to prove it's me. I've never changed my security…
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0% purchases question
just to get this straight in my head, first cc my first cc has 0% on purchases till 04/2010 does this mean i can make the minimum payment on my card until then and use up to my credit limit? so the cc company is lending me 1000 [limit] for 9 months? this is just to make sure i dony make an error
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Best way out of Credit card debt
so Ive managed to run up a £9.5K debt on 3 cards:eek: whoops Ive gone through my finances and i have £400 a month to pay off this debt, Ive also cut the cards up. i have £2932 on an egg card @ 16.9%apr £1726 on an AA card @ 17.9% apr i think £4922 on a barclaycard @ 0% for 11 months then to 16.9%apr I have £2.5k coming to…
