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Virgin have decreased my interest rate!!! Im in shock!!!
I can't believe it!!! I thought it could only go up!!!! :beer:
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What to do?
I was wondering if someone could point me in the right direction please I have for my sins £8000 on a credit card and my monthly payments (Minimum) are over the £200 mark, Now I have tried to apply for a lower rate card and also I have tried to apply for a card that will accept the debt for life but with no joy Would it be…
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Egg Money automatic CL increase!
Well, I did touch upon it earlier in the year (http://forums.moneysavingexpert.com/showthread.html?p=20788327#post20788327) but now it has come true! Egg have given me an automatic £1000 increase on my (Already generous) 7K limit Egg Money card. (Or whatever its called these days, will always be Egg Money to me ;) ) Anyone…
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£300 - Use my Egg Credit Card or get a small loan?
Hi, - I have very recently started with an Egg credit card onto which I have transferred a balance from an older card (approx £1200). - It is interest free 12months(ish). - Currently I'm paying this off at about £60 per month (roughly double the minimum payments needed). - I need to find about £300 for a vital purchase and…
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Abbey sold my account
We changed our current account to Abbey when we bought our first property in the 80's. Following that we moved but when we left that town to relocate in 1997 we also changed to another provider. In Oct 2002 my wive passed away, a month later in November 2002 I had a statement from Abbey saying we had £1685.86 overdraft--I…
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Some advice on my credit cards please
Hi Between myself and my husband we had £24,000 on credit cards, after trying to consolidate and being refused we were offered an interest free loan from family, which we have taken as repayments per month were totalling approx £800 of which a lot was interest, and we did not really see any other way out. Now my question…
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Shell Citi Card
so after slashing my much beloved cash back I get a letter today saying there ending the card in Jan 10 :mad::mad: and putting me on some faceless deal less rubbish. so long old friend and thanks for all the money
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is there a calculator online where i can work out how much intrest id pay?
Hiya all, i have 180 pounds on a tesco cc atm 16.9% and wanted to pay 90 off in dec and 90 in jan, just wondering how much intrest id pay because if its alot ill just use xmas money to pay it off Thanks in advance
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Declined for Vanquis and thinking of re-applying.
Hi All, I am looking for some advice. Nearly 6 months ago I was declined for a Vanquis card and as it is coming up to the 6 month mark I am thinking of re-applying. In the interim I have now got 500 credit limit on JD williams and have moved from an abbey instant plus account to a proper abbey account. I am wondering…
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trying to improve my CC situation for a improved credit score
i am trying to buy a second home (i live with my wife in a mortgaged home). i am trying to cut down on my credit available. I have cleared 1 CC (awaiting it to be zero balance) i had a few questions somebody maybe able to help? 1. how quick from cancelling my CC can i tell my mortgage broker to apply for my mortgage in…
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New Amex Platinum Credit Card
Card Recieved, pin recieved, declined 3 times, once for my Wife and twice for me, phoned customer service who have advised me that the card is under review and will be contacted within 48 hours. Under review what the hell does that mean? Its a brand new card. I work for them via a third party and I have no idea what they…
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Time it takes funds to clear CC Account
Hello Everyone, This is my first post here, but have been reading for a while as a try and get a tighter grip on my finances, which have been somewhat 'unorganized' in the past. My first post in more a curiosity than anything. Any 'spare' cash I find myself with, I try and use it to pay off one of my two CCs - mostly the…
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Couple of Amex Questions
I have an Amex Card and Mastercard from LTSB, when I use my Amex card it seems to take 4 working days to come off and show on the online statement, the Mastercard is normally off the next working day. Do Amex cards therefore get processed in a slower way as this happens every time I pay with Amex. I have also noticed that…
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Invalid Credit Card contracts
I keep seeing adverts stating that if your credit card contract was before 2007 it might be invalid and therefor illegal. I have seen nothing on this website which raises my concerns. Has anybody heard or used this method and does it work!! I have 2 agreements,both before 2007 so am obviously interested. + I hve now asked…
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HBOS One Card: "Card Care" on Statment, No idea about it
Hey All I checked my HBOS One Credit Card statement online yesterday and noticed that I had a transaction called "Card Care" on it for £50. I was not expecting this transaction, I was expecting my statement to be blank as the last time I used the card was in September to buy a new TV which was paid off in full the…
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Credit Cards - Pay them off or shuffle? Advice needed!
I have just had to sell my house as I had a big mortgage and so much credit card debt I was heading for very big trouble.The credit card companies obviously knew I was struggling as all three kept jacking up my interest rate. I now have the means to pay all the cards off outright, but I'm very tempted instead to aim for a…
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First Time Member Credit Card Question?
Hello folks, First time member here and I have to say this site is full of useful information. Wish I came across the site earlier. Firstly, I never realise the kind of bad information about credit card problems. So, I learned the hard way as this was my fault in the first place. I accidentally withdraw £50 from an ATM…
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Balance transfer charged interest?
Hi, I've joined in the hope I can get help with an query I have regarding a monthly interest charge that is being applied to a balance transfer fee amount. Basically, I transferred a balance from one credit card to another and was charged a balance transfer fee, as is the normal part doing this. This is all very well, but…
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Trapped
OK so I apply for a 9 months zero interest Halifax mastercard. I'm accepted hurrah. I pay my household and car insurance on the card and get the first statement. Then I setup a direct debit from my Halifax current account to pay the minimum off - 10 working days for this to activate - I give it 15 just to make sure, I even…
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Barclaycard Rip Off?
Hello, I have a query. I've had a barclaycard for more than 8 years now, and have done balance transfers to it over the years and always cleared my balance etc... In September I decided to take up their offer for a balance transfer. Before I requested the balance transfer I cleared my balance and paid off any outstanding…
