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fiendish idea ? to get around credit cards not liking to B/T from current accounts,
to get myself out of immediate pickle I was going to cash in my pension and get a meazley £500 and then a reduced pension (which would up my monthly income slightly), and use that £500 to bring o/d down from around the danger zone. If I arranged to pay my o/d with credit card (I KNOW . . . . .NEVER EVER, IVE NEVER EVER…
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High Court decision on debt loophole dashes write-off hopes for thousands
http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6868968.ece Fantastic! As someone who always pays off whatt they are due I am glad not to be subsidising the !!!!less and the dodgy who turn to use loopholes to walk away from debt related to money they have spent!!! If people use…
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Credit Card Rejection but I have an Excellent Credit Rating - Why?
I have checked my credit score on Experian and my score is 507, which is excellent. Why then when I apply for a credit card am I told I am rejected because my credit score is bad? I have paid back all money I have ever borrowed, I have a small overdraft I am in. I don't understand why I am being rejected, it is very…
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Which Credit Card would suit me??
Hi, Wondering if anyone can help..... I am a low income and considering obtaining a Credit Card for online purchases and emergencies. Ive been told Credit Cards carry extra security for online purchases against fraud and id theft?? I had one previously when i was younger but didnt fully understand how to use them properly…
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Credit Card Companies !!!! Up
Hi, Our Credit Card company cocked up our account and have now reopened the account which had been closed and are asking for the money back, are they within their rights? We used a new 0% credit card to balance transfer about £750 from another card. This amount was paid to the old card company but never showed up on the…
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Possible issue with barclaycard - please check your bills
I just recently received my barclaycard bill It confirmed that they have changed the way they calculate their minimum payment - and mine has gone down from over £100 to just over £10 Great, I thought, all my debt on Barclays is at 6.9% or less - i'll reduce my minimum payment and use the rest on the other card i'm trying…
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0% on new purchases
Hi, i need some help understanding credit cards before I get involved. A while back i bought a laptop on 0% for 6 months then stupid% after. Now that the 6 months is coming to the end i want to pay the balance off on a new credit card. one with 0% on new purchases. Am i right in thinking i can do this, and pay the laptop…
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AMEX cockup???? Win Win?
I've just received a credit of £1187.40 to my Barclays current account from AMEX. They should have actually taken this amount out as it was my last month's statement balance. I guess they have refunded this by mistake. Can they claim this money back if I go ahead and spend it?
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Activation Question
I recently received my new replacement Capital One CC. which says I must telephone them to activate it. Last time I did this I had to listen to a hard sell for anxillary services including CCP. I always deal with telephone callers with respect, so shouting at them, or talking over them, saying I don't want anything is not…
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barclaycard (i think!!)
some advice here please. a few years ago, i helped my son reclaim charges from his barclaycard. when the charges were taken off of the account, it left a balance of around £400. we then contacted barclaycard to ask if he could make claim on the insurance to cover future payments as he was not working due to severe…
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Some happy news for a change....
At last, somebody has seen common sense. :beer: http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6868968.ece
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Getting ready to set my credit cards as Unenforceable
Hi All, So heres my story. I love to read and research about all the latest "wipe of your debt" "reclaim your chanrges" I cleared 2 defults from my credit record by lots of research and many letters. My partner has now said he wants me to look into his. He has a secured loan and 7 credit cards all before 2007. I have not…
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Person offered to clear my CC debt?
A while a go before I even had a credit card some random person overheard us in the pub talking about debt and said that he "works in finance" and for a fee he would clear any outstanding credit card debts or mortgage debts, I asked how this was possibly and all he said was "if I told you, everyone would be doing it". I…
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is this a bad idea? or even possible?
My OH has quite a lot of debt and I obviously am looking at ways to help. I am thinking of getting a credit card (I have none at the moment) with a low rate for life of balance transfer and transferring some of his credit card debt to it. firstly is this possible? I.e. new card will be in my name....his card is in his name…
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Egg's transfer rate Advice needed.
I am currently paying a whopping 26% APR on my egg card. I am hoping to shuffle and clear my egg balance then transfer another Card to it. (I have cashed in an old endowment) I wrote to egg and asked them if they had any balance transfer deals - they said they would transfer at the same 26%. (I was close to my balance…
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peed off with myself, missing credit card payment; what's the interest payment?
missed my tesco credit card (first time in something like 24 months as i forgot to do online check) but payment of: £900 payment due date: 10 oct i paid today 11 oct just rang up to ask what the interest incurrement charge will be and the lady said she doesn't know, but late payment charge of £12 and she said APR on this…
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First credit card, one use only
I've never had a credit card before (and didn't intend to have one in future) as I've never seen the point and never had the need. However, I'm going for a trip to Canada and wanted to get a hire car - a credit card is needed to hire a car, a debit card isn't accepted. So my thought was to get a card for this one time…
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tesco credit card appl fault?
Hello, ive just applied for a tesco clubcard credit card online and when i finished the application and clicked next the page flashed up with a fault and said to close the broser so i had no responce. Just wondering if anyone else has experienced this and is making me think it has been declined???? I dont see how but you…
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Credit card but bad dredit history
Hi im after a credit card, but have bad credit history from the past, is there any crdit cards out there i could try. many thanks
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Very delivery
I've just been accepted for a Very account with a £600 limit -yay :beer: My file must be getting better as they refused me 6 months ago. Anyway in my excitement I chose a Saturday delivery and it's coming up as a higher postage charge. Is there any way they will change this to a normal delivery on a week day? Didn't…
