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Balance Transfer or not?
Hi All. I've currently got a halifax credit card with £3000 which has an APR of 15%. I would like to transfer this to a 0% card. I was looking at the virgin card as this one is for 16 months. I currently earn £15000 and i am 25. Would this be a sensible option and also would it be obtainable? My credit rating is 999. Thanks
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Best card for purchases!
I'm planning on making a big purchase so looking at maybe putting it on a 0% interest card, so i can use the money i was going to spend it to pay off another credit card. Any ideas on where to look for a credit card? Ive currently got a 2 natwest cards, and a halifax card - any tips for what card to go for now?
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How much is the APR?
Hi can someone help MBNA do not quote the APR on their statements only the monthly interest rate of 2.2071% - can someone work out what the APR is so I can compare and see what it is.
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Fun wirth Abbey Credit Card
My wife received a lovely letter from Abbey stating the interest on the card will increase from 18.9 to 21.9% from December. Doesn't bother her as the card is hardly used and is then paid off. We have had some issues with lots of mail chasing debts fior somone who has never lived at our address (now sorted) so we thought…
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Barclaycard - strange problem with ludicrously low minimum repayment
Short version: I have a Barclaycard Platinum Visa, and have recently been switched from a minimum payment of "2.25% of outstanding balance" to their new "interest + 0.25% of outstanding balance" scheme. So far, so good, I'm not unduly worried about that. However, this month, the first of the new scheme, instead of my…
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Need to balance transfer - Which card?
Hi, I currently have a Barclaycard Platinum which I owe £4400 on. I'm looking to do a balance transfer to another card for the interest free period. My credit score as of today is 960 provided by experian. This is good, just shy of an excellent rating. Could anyone tell me which card I'm likely to be successful in applying…
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PLEASE can someone help with my vanquis hell !!!!
Hello, i have got a vanquis card and the reason i got it was to build my credit score. I want to get rid of the balance on the card. So i got myself a halifax plus card to transfer the balance, but halifax have told me that they wont let them transfer the balance. I have tried to get another 0% credit card to try and…
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First Credit Card: Denied
Hi all, I just applied for my first credit card (Tesco 0% 12 months purchases) and I am shocked to say I was denied. I've never been denied credit before and am not sure why. A little background. I'm 22, living with parents, just finished uni and am working full time on a good wage. I have 3 bank accounts that offer me…
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Can I make many small payments weekly via onlinebanking to pay my CC?
Hi, I was wondering if it was ok for me to pay a few small amounts a week towards my credit card via online banking rather than one large payment a month? I want to do it this way because I wouldnt be able to save a larger amount once a month because id spend it. Whereas I can realise that I dont want that sandwich from…
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Can I be charged interest on Payment Protection Cover?
Hi Folks Any Advice greatly appreciated. Earlier this year I opened a Credit Card which is used only for a Balance Transfer. At the same time I took out Payment Protection Cover. 0% interest on the balance tranfer. This rate stands til next year. On this months statement I've been charged 20p interest. After following this…
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M & S card over zealous fraud checks...
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capital one reducing APR to reliable customers
Ok I have been with capital one a while now, started of with a modest credit limit which got increased 5 times so I assume my rateing has improved significantly. Unfortenatly my APR rate has stayed the same all the time, so I tried ringing them asking with a good record can they move me to a better rate card or adjust the…
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Credit card interest rate increase
My cc company santandare has just increased my interest from 18.9 to 24.9 is this legal and is there anything i can do about it. Thanks
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How/when to request credit limit increase?
Hi everyone, My husband and I have always used a cashback card - we repay in full every month. However, now that we have an offset mortgage, it is more rewarding for us to use a 0% card; instead of paying off the card, we pay the amount into an offset savings account. We both applied for Tesco 0% on purchases credit cards.…
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credit card to increase credit rating
Hello, I am after some advice on what credit card would be most suitable for me to increase my credit score. I applied for credit for the first time in May and was refused a loan from my bank because I failed a credit check. They advised me to obtain copies of my reports to see what the problem was. I have got copies of…
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Request to freeze interest on CC
Hi, I was wondering whether anyone has managed to do this themselves..... I am currently paying off a huge amount of debt (over 50k), spread over a number of credit cards. I pay off as much as I can afford each month on each credit card but this is frequently just covering the minimum payment and is therefore just paying…
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Credit Piggybacking
I saw this recently on the Consumerist: http://consumerist.com/5393595/how-to-cash-in-on-your-good-credit "Someone with a good credit score, our credit score seller, would add someone with a bad credit score, our credit score buyer, as an authorized user on their credit card. The buyer wouldn't get the card or get access…
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Any lawyers in the room? Wrong title on my credit card!!
Got accepted for a HSBC credit card last week and now realised i've somehow put myself as a 'Dr' instead of 'Mr' :o (wishful thinking), should i be really worried about this as it could be classed as fraud? You'd have thought they may have questioned it when they saw my pitiful income :rolleyes:
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Just had my very first Fraudulent Transaction
To be honest I'm quite shocked. I am very careful about these things, and have absolutely no idea how my details could have been taken. Fortunately the fraud department at EGG flagged it before they let it go through, so I have to commend them highly on doing a good job. It turned out that someone tried to use my card for…
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charged for nonpayment, but payment was made
hi i made a payment on asda credit card on 12th october due date was 22nd october. just got this months statement and have been charged non payment fee !!!!! i have got the stamped statement from last month saying it was paid at lloyds tsb on the 12th oct. but credit card are saying that it has not been paid and that i…
