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Credit Cards: What To Do (want a 19$ APR one)
Hello, I used to have a capital one classic card (VISA) where the APR was approx 33 or 34%, with a low limit of £200 (£100 for the first 4 months). Whilst holding this card I opened a Barclaycard initial with a limit of £400 and I transferred the balance from the capital one account to the barclaycard (because of the high…
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Virgin to egg BT,am i missing something?
Briefly,currently have £2100 on 0% with Virgin,about to end in Feb,if i balance transfer this amount to my Egg money card for one month,and then send egg a chq to pay it off,what charges will i get, apart from BT egg fee,and 1 month interest? I have been turned down twice for another0% card in last week so i am not trying…
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Help required with clearing credit card debts
Hi I have a query that i am hoping someone can shed some light on! Last week i managed to clear all my credit card debt, one in particular i cleared after i had made the minimum repayment on. I called Halifax to ask the balance required to clear the account, they told me, i paid it, and today i receive my statement and…
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What is the best Credit Card !
Waves to all, Oh has been trying to get a Credit Card, very Little credit history. We applied last night for the Amazon Credit card and told they will be in touch, i guess that means a big fat no ! Applied today for Capital One and told will be in touch again !!!!:mad: What do you think ??
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Section 75 vs secondhand goods(cars)?
Bought a car a month or so ago part cash, part card (£500), from a company in Sheffield who it seems deals mainly with tyres and fitting, whilst selling cars on the side via Ebay. I paid the £500 card payment directly to the seller, and the rest in cash on the day. A couple of days ago the engine died (suspected head…
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Will water ruin my credit card
I've just frozen my Barclaycard in a block of ice in my freezer. I'm not thawing it out till it's paid off, then it's strictly for fuel and food, and cleared every month. Will the water/ice damage the chip or the magnetic strip? It will be in there about 4 months.
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cc harassment
i have recently been made unemployed,and am claiming jsa,but i keep getting calls off credit card ,and debt recovery companies trying to get payments.i tell them all i am going to get is £64.50 per week jsa,and this is going towards the mortgage,and food,and that i cant pay anything.am i right in believing that they cant…
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Tesco 0% BT & Pur - Query
Hi. I have just acquired a Tesco Club card MasterCard with 0% Balance 6 Months 0% Purchases 12 Months The allocation of payments states: Balance transfers then purchases, however a clause at the end says lowest interest first. As both are in a special offer period, which will get payed off first (just got the card this…
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Bailifs offering deal is it good ?????????
hi, i really need some advice please, i currently owe £3,400 and the baylofs have called today saying if i can pay the balance today they will drop it to £2,700. i am paying £50 per wk at the mo. my only way to clear this amount is to put it on a credit card then transfer that amount to another credit card for interest…
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Advice Needed (Credit Card)
My partner got a credit card nearly 10 years ago. She has not used the card since around 2005. Over the past 4 years she has been paying £100 a month. She did go into arrears around for 2 months while she was out of work. She has just called them to ask them if they can stop the interest as she is paying more each month…
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How to pay a Bank of Ireland Credit Card in England.
Hi, My girlfriend has a Bank of Ireland credit card which needs to be paid. Unfortunately, we live in England and there are no branches here, we can pay by cheque but I wanted to pay over the counter somewhere to ensure it gets paid in time. The slip at the bottom of the Statement has a 'bank giro credit' logo. We don't…
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Credit card debt probs, good credit history?!
Hello all, i have some probs with credit card debts, I owe £25k over 4 cards. I did have a ccj from a few years back, but was settled and has since come off, I have been moving balances around to keep the rate down, but starting to see some problems, I never late pay or miss payments, and on my credit report I am regarded…
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balance transfer from asda card
HAS ANYONE HAD PROBLEMS TRYING TO TRANSFER A BALANCE FROM AN ASDA CREDIT CARD ? i have just got a new nationwide card 13mth 0% and when trying to transfer the balance nationwide say my account begins with 541647 or 557712 but my asda card starts with a different number and the account number doesnt start that way either .…
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Advice ASAP
Hey Something odd happened this morning. Someone came to my door saying they are from parcel express. And they wanted my mums signature for a parcel. So I told him I'll have to wake her up, anyway he said he'll pop down to the van to get it. There was no van around. The man came back with a large envelope. My mum signed…
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Credit Card Debt
Hi, I am looking to clear the balance on my credit card and finally get rid of it. However due to my current situation I am only able to pay the minimum balance a month, this is approx £100. However this is only taking about £10 off my total bill! I am getting hit with interest rates and payment protection. Is there anyway…
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Very catalogue
Applied tonight for a Very catalogue and was surprised to get a sorry cannot send a book. All my accounts are up to date and there are no defaults, never dealt with this company group. Only thing I can think of my ex partner had debts with the littlewood'a group and she's still on my credit file as an associate. We've been…
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Credit Card - best shot of acceptance
Not sure if this is a question that can be answered but maybe someone can give me a clue. I'm about to apply for a credit card and trying to figure out which cards have the highest probability of acceptance. Does anyone have personal experience of applying for multiple mainstream credit cards, getting rejected before being…
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Rate hike error made by Halifax One
Hi, I have just had a bad experience of the recent rate hikes. My husband got a letter advising him that his interest rate was due to be increased from 12.92% to 17.95% with the option to close the card and keep the same rate. As we had just done this with MBNA we were reluctant to close off the small amount of…
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Asda (santander) credit card check your statment
Hi never posted before but wanted to warn others to check there credit card statement carefully. I always pay my credit card (Asda) in full every month and never incur charges. In last months statement on the 24th oct 2009 an interest charge apeared of £9.27. upon phoning customer services i was told an error had occured…
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Barclaycard -let me choose application
Has anyone used this application more than once? Hubby tapped in the incorrect reason for the card! He should of tapped in ''for purchases'' it went in for ''balance transfer'' Because the lower the apr you need a higher income which he wouldn't meet their criteria. But the initial card at 27% apr you need an income of…
