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Is this a good 'lifetime' deal?
Hello, I am new to this board and I could really do with some advice please? We are just about keeping our heads above water but our credit cards have started to mount up (despite our best endeavours). Neither of us like spending on cards but it just seems to have spiralled a bit. We owe approx £3000 to Virgin. Initially…
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Best 0% on purchases card?
I need to get a credit card that is 0% on purchases...my tv licence and car tax are due for renewal at the end of the month and I'm trying hard not to go into my overdraft...any ideas what the best card would be?
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Credit report query
I would like to see my credit report online by registering with these two websites: * Experian: https://www.creditexpert.co.uk/order1_1.aspx?sc=410032&areaid=22&pkgid=UKMON&SiteID=100002&SiteVersionID=487&bcd=8ef09Exp0509WPxxxFMS * Equifax: https://www.econsumer.equifax.co.uk/consumer/uk/order.ehtml?prod_cd=UKESNGO I am…
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Santander Zero Credit Card (Chances of being accepted)
I'm tempted to apply for this credit card as it will be useful for my 6 months in Australia (they charge no foreign exchange fees), but I'm aware that having lots of credit searches on your record is a bad thing and don't want to go over the top. I currently have 1 credit card already (Vanquis - held for 4 months and paid…
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Virgin change to T's & C's
Hi Sorry if this has been posted before, I have searched, but could not find anything relating to my query :o I have a 0% BT with Virgin which lasts until April 2010. However I have just received a letter which states:- 'At the moment your Virgin Credit Card rate for card purchases is only 0% pa until your April 2010…
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Credit cards at 0%
I borrowed a sum of money from a family member on the understanding I would pay it back monthly but unfortunately circumstances have changed and they need the money back asap. I don't want to take a loan out for the money as it is a small amount (about £1500 is outstanding) and the APR is high. Is it possible to get a…
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Barclaycard "you have failed to make the minimum payment" but DD set up and paid?
Hi I logged into my barclaycard this morning to find a warning on my statements saying the following: "You have failed to make a minimum payment Failing to make your minimum payment can mean that you have broked the terms of the credit agreement and could result in us taking legal action against you. It could lead to you…
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When to transfer my balance
Hi, I've finally (hooray!) paid off my Barclaycard, ready to transfer a balance from another card to take advantage of the Barclaycard 6.9% balance transfer offer. My question is, when should I do the balance transfer? I know that I'll have some trailing interest from this balance on my next statement due on the 26th…
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Clearing a 'cancelled' Egg Credit Card
So, for those with 'cancelled' Egg Credit Cards, what happens when you settle the account? I'll have paid the whole thing off at the end of the year, but it's interesting that the 'limit' is unchanged. Anyway... I'm guessing that they won't change their mind on the account being closed, so doing something useful like a…
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No fee cash withdrawl on debit cards abroad?
I have a Nationwide flex account which was great to pull money out of an ATM in Thailand, I got the FOREX rate with no charges or deductions at all. They changed all that in June and started charging the 085% bank charge to withdraw cash everywhere other than Europe so it has been back to taking large wodge’s of cash which…
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possible late payment due to postal strike
Hi i have a sainsburys card that i have never missed a payment on in two years. I noticed that my statement hadnt arrived so contacted them as i did not want to miss my payment. As i dont have a debit card,internet/telephone banking without the giro slip from my monthly payment i am unable to pay! he said i would be…
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1st Credit Card for Using Abroad
Hi, Going to Australia early next year for a 3 week holiday and I'm considering getting a credit card for using only when I'm over there, having never had a credit card before, what sort should I be looking at? I've got a good credit rating and I would pay off the balance in full each month. I'd be greatful of any advice,…
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HSBC and Ombudsman
After 7 months finally got a letter from HSBC confirming that it was a final response after discusions with Executive Complaints in Canary Wharf. Fantastic, could now take them to the Ombudsman. Ombudsman then misunderstood and thought that I hadn't received a final response letter so they referred my complaint back to…
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free £15 if accepted by Amazon mastercard
you get £15 credited to the card after you make your first purchase. no strings attached, as far as I can see. I applied for one before posting and was accepted with a limit of £2900. for anyone interested in their own chances, my annual income i put down as £19000. see here; http://bankofamerica.co.uk/amazon/ I applied…
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Defaults etc
Hi i was wondering how long does it take for defaults etc to drop of your file once the 6 years are up from the dafault date? i mean would lenders be able to see them a couple of days after the 6 years are up? It's just i have a few defaults coming off in december 12th and would like to get a zero percent credit card as…
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Itunes and unathorised credit card charge?
I signed up to itunes and reg my capital one card. I also had a £10 itunes voucher which I added. I have only watched a free film so my purchase history shows no chargeable downloads but they have charged cc £1.58?? I view it as fraud and have emailed them. Anyone else known?
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Balance Transfer
Hi all Ive currently got a Virgin CC with the 13months balance transfer. It ends 18 November 2009. I have £3,300 remaining on this card. Whats the best card to transfer the balance onto with the above amount. Thanks Matt
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Virgin card - allocation of payment
I have a Virgin card that has a 0% balance transfer until Oct 2010 of which I have taken advantage of. I have used this card as well to make purchases but am now concerned that when I pay off the purchases that I have made, this payment will in fact come of the balance transfer and therefore incur me interest on the…
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Citi/AAdvantage Visa Gold Card
Well today in the post was letter from Citi saying that "Following a review of out product tane, we have decided, in association with American Airlines, to no longer offer the Citi/AAdvantage Visa Gold Card after 21st December 2009" "We apologise for any inconviencience this may cause blah blah we will tranferring you to…
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Sign of the times
http://www.timesonline.co.uk/tol/money/borrowing/article6861911.ece I think this will happen with other banks soon, they won't take risks anymore
