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cancell credit cards
hi having almost paid all my credit cards would anyone recomend cancelling them and will it affect my credit score by doing so
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Completely new to Loans/Credit Cards, Whats best for me?
Hi, I'm Completely new to the world of loans and credits cards, never had either one of them before! I'm looking to purchase a car for around the £5k mark. I was wondering what would be the best (best meaning cheapest) way of me doing this? Many thanks in advance 21 Years old in a few month if it helps :beer:
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MBNA allowed a transaction after I cancelled CC
Hi there Looking for some advice really. I had an MBNA Amex card that was on quite a low interest rate. MBNA wrote to me this year stating that they were going to put the interest up and gave me the opportunity to cancel my card and pay it off at the old interest rate. They stopped the card (see message below) and advised…
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NW extended warranty on electricals
Morning. Anyone know if Nationwide still honour their extra 1 year electrical cover if you paid for their washing machine etc by card in 2006 but had 3 yr guarantee already? My 2006 w. machine is broken. I know theyve changed it now to only applying to items with a mere 2 yr guarantee ,but when the w.machne was new, I…
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Balance transfer vs Paying off the store card?
Hello, I recently got a credit card, and apart from trying to work out how to get my betting winnings! (help me here...) I also have a staff store card from arcadia. Now im fed up of having 200 on there, paying 50quid and then getting another 10pounds chucked ontop of it. Balance transfer is 0% for 9 months on my card, yet…
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Pen wont work on signature strip
I have just received my new credit card and pen will not take on the signature strip. Any ideas how to get around this, i dont want to send for a new card if i can help it. Dont want to try lots of different types of pen and ruin the strip completely if there is something that i could clean the strip with (perhaps) to make…
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store card debt
Hi all, have a store card from a few years ago (edge card) with no more than £400 on it. Recently been chased for the debt by a collections agency......they say they will have the debt for a lump sum payment or for every £100 i pay they deduct another £100 from the account, i know it equates to the same. Just looking for…
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Advice Needed! In positive on CC, how do I get it?!
Hello, I'm new to credit cards, being a student (and obviously not going for the 'student' rip off card) and only recently got a 0% Halifax card. Now, I used 150pounds on a bet that I knew would win through some tips I found. I won 450 pounds back. However the website (365) wouldnt let me deposit the 'winnings' of 300 into…
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LOW mmr card
At the moment i have a virgin card at 0% interest and with a minimum repayment of £25 a month, in five months my payment will revert to 3% of the balance (circa £90) Since i got the card though my wages have gone down i should be able to meet this £90 but may struggle, anyone have any ideas on a card with low interest and…
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VISA / Paypal - chargeback?
To cut a long story short, I bought something off eBay over two months ago, it arrived incomplete, the seller was supposed to send the rest out but I'm still waiting, I tried to open a Paypal dispute today but it's been too long so I can't. I want a full refund as what I've received is useless without the rest. Of course…
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Closing Credit Card - Wording surrounding Continuous Payment Authority issue
I’m currently writing a letter to my Credit Card Company closing my account. Can any-one suggest what wording I should add to limit my liability surround the Continuous Payment Authority issue? http://www.moneysavingexpert.com/banking/recurring-payments I’m certain that I have not knowingly authorised a Continuous Payment…
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Free £10 House of Fraser voucher for Barclaycard customers
There’s a free £10 House of Fraser giftcard up for grabs for the first 20,000 Barclaycard credit card holders (not Barclays) that register for its online banking service, and opt for paperless billing before Wed 6 Jan. [title=http://images2.moneysavingexpert.com/images/dp/wtd_underline.gif] What's the deal?[/title] It’s…
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Halifax Idiots!
My mum called earlier to say Halifax have left 4 messages on the phone for me (bearing in mind I havent lived there for 6 months and updated all my contact details on their website!) Anyway, turns out they think I havent paid my bill this month. Payment was due on the 8th and i've re-checked my bank account and the payment…
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Egg BT Percentage
Just been accepted for the Egg card thats being advertised on their website at the moment. I currently have a balance on my Halifax Credit Card that I want to balance transfer, although the current credit limit on Egg isn't sufficient but that doesnt matter as I can clear the remainder. Am just wondering if anyone knows…
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Balance transfer for a previous credit card cash advance
I previously made a few cash advance withdraw with my halifax credit card.. and the interest is hitting me hard about 23-25% per annum.. Recently I got a new credit card with 0% for 12 months with 2.5% handling fees.. my question is does the 0% balance transfer cover the cash advance i made with my previous credit card or…
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Is 34.9% grounds for complaint?
Virgin have increased my interest rate to 34.9%. Do I have the right to object (to them and then the Financial Ombudsmen) on the grounds of it being simply unreasonable? They have given me notice and have not increased my rate more often than they are allowed but this rate seems excessive. Is it worth me writing to…
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Credit cards improve credit rating?
I was just told by my bank that having a credit card (and not using it) would improve my credit rating...is this true?
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Transferring existing credit card and overdraft debt to new card
Hi, I currently have £1100 owing on a Post Office credit card. The initial 0% deal runs out on Jan 14th 2010. I also have an overdraft limit of £2250 on my Natwest current account which is currently about £2000 overdrawn. I am looking to transfer both these debts to a new 0% credit card and aim to pay it off within a year.…
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When to apply for a new Amex card
I've managed to pay back all my debt and have 1 card remaining. £1000 credit line and £34 balance currently, only used for work. All other loans and cards (except mortgage) settled and paid back in full. No defaults but 10 late payments spread across 13 previous accounts - majority with egg in the last 12 months. There are…
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Paying off a debt
Not sure if this is the right forum to put this in, but need some urgent help/advice. I used to have a credit card with ASDA, which defaulted. eventually, they passed it on to a DCA, who passed it onto 3 others at the same time, but being stupid, i buried my head in the sand and hoped it would go away, then they passed it…
