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Abbey confirmed CC when all we wanted was information!
After abit of advice, my boyfriend was going round the various banks to see who could give him the best 0% credit card transfer deal. He went into Abbey and asked about there deals, we went out the back and he was told that he would have no problems getting a credit card with them, as he also has his mortgage through them,…
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Credit Card Cash Advance
Hi All, My bank has recently informed me that they are increasing the charges for using their overdraft facility, with this in mind i wanted to clear my overdraft rapidly by way of a credit card cash advance. Virgin have quoted me a 4% handling fee and 16 months 0%. Is this the best deal or does anyone know of any better?…
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Credit Card Services
I have just been called by Visa Credit Card Services from a New York Office offering me to the chance to amalgamate all my cards onto a fixed for the life of the card 6.9 int ......... according to a new plan by government apparently. Warning bells rang and reluctantly I have given name and address and account no only - I…
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First time credit card - bit of advice!
Hi, I am sure this has been asked many times but I couldn't find out exactly what I wanted when I had a look so thought I would put up my first post! I have a new Natwest Platinum card of a few months old. For one reason or another this is the first credit card I have ever had. I am paying off a second personal loan that…
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SBT cards
Im looking to pay off my personal loan of about £5500 and im looking at Virgins 0% for 16 months balance transfer cards with their being a 4% fee to do this. Ive also looked at Marks and Spencers credit card and ive read somewhere something about buying travellers cheques and paying them into a currrent account. Does…
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How long before applying for a better card?
I have my first CC with Capital One, only a very small amount which is all I need and even though having a high APR card with them doesn't do much damage in terms of minimum repayments/interest as I only have £100 limit which, as I say, suits me just fine. Any way, how many month should I wait before trying for their 15%…
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pre pay credit cards topping up abroad
Hi Im going to tenerife for a bit and want to take a pre pay credit / debit card with me, problem is I have no longer got a bank account, does anyone know of any other means of toping up the card in tenerife without a bank account or if there are any other options for me. john
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How long until settled?
I signed up for a free trial on Experian yesterday and discovered I had £5920 in available credit (none used - I have had thousands on credit cards in the past and have spent the last four years working hard to pay them off). The credit was on three different credit cards (two of which I am certain I called to close the…
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Paying Card Balances - Being Fobbed Off?
Hello, I am trying to pay large balances off two credit cards (Egg and MBNA) with a concolidation loan i have obtained. I have phoned them both to pay everything off and close the cards, but i can't help but think they are fobbing me off somewhat, to squeeze a bit more money out of me. :mad: MBNA told me that my DD had…
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What to do with old cards?
hi, I'm trying to sort out all my paperwork and have come across some credit cards etc which I am unsure whether I should just cut up or should close or even what their for!! I have a faith card - probably got over 2 years ago as this would be the last special pair of shoes I have bought. Nectar card - not even sure what…
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Novice and a Section 75
We have had occasion to make a claim for breach of contract for a flying lesson which did not happen, as the firm went bust on Monday. We have never made a charge back claim on a CC. After 5 mins on this site, I downloaded the terrific advice given about making a charge back on the CC company using the Section 75…
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Urgent help needed- credit search on alias
Hi everyone, I am a frequent reader but never posted before. I recently got married and have been re-arranging my finances since. I have never had any financial problems before and never missed or defaulted on a payment and have a reasonably good salary. Anyway, today I ordered my credit report and noticed that I have 11…
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Advice About Using a Credit Card
Hi I've just gotten my BT credit card, £11,000 limit, I want to use it to pay a tax bill of about £4k. They are offering me interest free transfer on cash to my bank account for 13 months . I'm thinking then to pay off the £4k tax bill I should transfer the money to my bank account first, then pay the tax bill, not pay the…
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Experian/Credit Expert issues
Myself and a few others in the office use Credit Expert to keep track of our credit files. A few of have noticed that accounts are missing from the "Account Information" box - anyone else having this issue?
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MBNA credit cars and Barclaycard
Had letter this morning Barclaycard offering the full amount plus interest, total sum made up £20 and £12 charges. MBNA have said, they consider their their charges fair, all £12 so "go away" basically. How come one lot pays up, the other doesn't and can anyone tell me how they have succeeded with MBNA please?
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Barclaycard free money!
I called barclaycard up today to cancel my accounts with them as I use my egg card all the time. They asked me a couple of questions then said that I am a good customer and for my loyalty they would credit my account with £25 if I kept the account open....tried it with mbna but only spoke to a computer.
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maximum daily withdrawal on M+S card?
Just going to get a caravan delivered, tomorrow, its a bargain at £500, I am going to use my M+S credit card to withdraw the money from a cashpoint - to pay for it - not ideal, I know, and I rarely, if ever, use that facility, due to charges, but its a bargain unexpected buy and only way I can do it. My question is, does…
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How long for credit card to respond on CCA request?
I wrote to my credit card using one of the template letters on here as I purchased some bathroom fixtures on my card that haven't been delivered and the local branch of the shop have closed. Other branches are still open but they do not respond to either emails, letters or phonecalls. I wrote nearly a month ago asking for…
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Credit cards Payments - Change In Circumstances
Sorry if this is a duplicate post - I'm new and can't find the original one I posted. My circumstances have changed sine taking our credit cards. I am self employed and employ my husband. Due to two major operations he has yet to return to work and is in receipt of Incapacity benefit. I have had to cut back on my business…
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Consumer Credit Act on Deposit on Credit & Debit Cards
Hi I'd be very grateful for some advice. I placed a deposit on two gold rings in January 2007. £1,270 was paid using my Nationwide current account debit card, and £130 was paid on my Nationwide Visa credit card, leaving a total of £5,478 to pay. I did not sign a credit agreement for the rings. The jeweller is based in…
