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Applying for a loan and CC at the same time
Hi all, Just want to double check the best procedure for this. In February I'm aiming to get a loan of around £3000 - £4000 and an 0% on purchases card. I'll be needing both at the same time (loan to assist with car puchase, CC to pay for insurance (and pay it off interest free over 12 months)). Is it best to apply for…
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creditcardkiller.co.uk
Does anyone have any experience of these people ? I'm not planning on using them, but I understand that they somehow 'buy' debts off people. As someone who works in banking and deals with credit card debt all the time, I know for a fact that you cannot sell a debt unless the bank the money is owed to consents (which it's…
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MBNA 0% for existing customers
Hi, I have an MBNA card. According the online banking service, its offering 0% till July 2010 for 3% fee or 6.9 life time with 3%. I am interested in the 0% but it will only run for 7 months. Has anyone tried increase promortion period and any success? MS
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Requesting a settlement amount from a card company
My father recently took over sorting out my half-brother's finances while he was "indisposed", and discovered that if you call a card company and say that the card holder is having debt problems and wants a final settlement amount to clear the card, they will knock up to 25% off the total as long as it's paid off in one…
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Protection: have terms changed
I recently bought a fridge for my mum using my Mastercard, thinking that if something was wrong, we'd be covered. Well, the fridge didn't work, we reported it immediately, the engineer noted the high temperature but neither he nor a second engineer could determine the cause or repair it. Both thought that we should ignore…
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Visa Disputes & Online Transactions
Hi all - just to ask some advice from you guys I subscribed to an overseas music web site via my Mastercard @ £16 per month, no problems for the past 3 months. The site was secure server when entering card details. Today I got a call from Abbey saying on 6 Dec £89 had been taken out and today £530 had been taken out by…
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A good pre-paid card?
What is a good prepaid card - that allows me to shop online uk and american online sites, no annual fees, no monthly fees? thanks
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Charge Card
Apart from Amex does anybody do a charge card at the moment ? Having to settle the balance at the end of each month might help me keep my spending under control better than a CC. I suppose that they all charge a fee for the card otherwise they can't make money ? Just looking at options for next year at the moment Thanks
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Positive balance?
I want to BT to an M&S credit card, is it okay to 'over-BT' so the card has a positive balance that I can spend on purchases? Ta.
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Savings Account
Up until last Friday I had an EasyCash account with Halifax. On Friday I applied for a current account and was accepted. Obviously they did a credit check for this service. Last night I also applied for an online savings account with them, and was accepted, but would a 'full' credit check have taken place? Thanks
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Internet Buying Panic
After placing a £600+ order at www.simplyelectronics.net. I purchased in the heat of the moment without doing my homework first. However due to a lack of update of my order I decieded to phone them...or not. All there numbers today are out of order. I purchased via VISA over the phone and after reading around the internet…
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Cancel credit card, lose S75 protection on past purchases?
I purchase high value items, such as washing machines, computers, etc on my credit cards. One such card being my soon to be discontinued Shell Citi Card. I bought a £600 laptop on this card a couple of weeks ago. As the card will soon be stopping its cashback, I was thinking about cancelling it. This leads me to think…
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Interest charges
My interest free card ran out and I did not pay it off until 11 days later but cleared it all in full. I am now being charged interest every month rather than the for the 11 days. Is this correct?
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CC Arrangements - Payment reviews?
Hello, Hopefully someone here can help me with a particular DCA I am having issues with. I buried my head in the sand for far too long with some old debt, which ended up mounting to over £18,000. They were split between 3 credit cards. At the start of the year I made a commitment to paying this off, owning up to the fact…
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Chargeback or Section 75?
Last November I accompanied my hubby to NY for a work trip. All was pretty much fine until we returned home and noticed that the hotel charged our Nationwide (VISA) card for 4 nights instead of the 3 we should have paid. We contacted Nationwide right away, and they told us to contact the hotel directly and ask them to put…
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1st Credit - Barclaycard?
Good Evening everyone! I have just recieved an odd text message asking for me to call 1st Credit with a reference to discuss my account with a possible 25% discount. From what I have found so far this appears to be with Barclaycard who I have some debt with. I have financial issues with BC and have failed to keep up the…
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what if I change my credit card
I have booked my holiday using a credit card for protection What happens if I transfer to a different credit card, am I still covered by the the company who provided the credit card when I purchased the holiday?
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NEXT and their up n down credit limit!
I know this has been mentioned before but think it was some time ago, I started with a £300 credit limit, then it went up to £900. Got my last statement and it has dropped down to £300 again. So rang customer services, she said sometimes if you don't use the account much, it can go down. Anyway, she then put me through to…
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Vanquis payment late
I have always paid my card off in full each month. Despite the odd £1.00 and 1 £1.42 charge for no reason (which have always been refunded) I have never had any charges or interest. My last statment came in (around £350) and due to it falling on a weekend? the payment was about 3/4 days late in getting to them. They called…
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I was given a Credit Card at 16 years old....
Hi all, I'm new to the forum, however have been using MSE for a couple of years now, getting tips and advice from existing forums. I cant however find an answer to this question.. apologies if it has already been asked: I was given a credit card from the bank when I was 16, I am now 23 and have been struggling to pay off…
