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Best way to pay off two separate credit cards?
Hi Myself and my husband each have a separate credit card with the same company (i.e we didn't take out a joint credit card) and I have £4000 on my card and there is £5600 on my husband's card. We want to really try now to pay off both credit cards but don't know the quickest and cheapest way of doing it. Should we start…
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Do credit card applications take your 'debt' into consideration?
Your credit file(experian for example) has these figures Amount of available credit- £xxxx % of your total credit being used- x% Amount of outstanding debt- £xxxx when applying for a credit card, do the lenders look at them values? or the computer des? What if you have alot of outstanding debt of your available credit + a…
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balance transfer problems
hi, I got a new card with a 0% for 12 months, to transfer my card to. so the next time my bill came through, I tranfered my total balance before the payment due date. Then when the next bill came through the door I exected it to read 0, but to my shock it read £50, when I rang the card company they said it was interest,…
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List the major credit card companies (MBNA, Santander etC)
Can you list all the major credit card companies (the big ones) that the credit cards branch from. MBNA Santanter ...? ...? and can you name 6-10 cards which branch off from each one. Please and thanks in advance
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instant decision credit cards??
Can you list all the uk credit cards which give instant decisions on online Credit card applications. Can you also list in brackets () which company they are with (MBNA) (Santandar) etc? Please and thanks in advance
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Lloyds TSB Credit Card
Good Evening, Just recently opened an Account with Lloyds TSB and was wondering How do i get to See my offers within Online Banking? I've heard that Lloyds TSB "offers" you products on a Pre-approved basis. When i log into my Account it takes me to the Account Main Page where i can see my Classic Account and ISA Account…
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Credit Card or Overdraft
I am in need of some guidance - Credit Card or Overdraft Im a home owner, i have a £4000 overdraft which i usually use £2000-3000 each month. i need to shift the debt but i don't want to pay any interest. im probably wishing there i can afford to pay off approx £200-£250 each month if im very very good ive never had a…
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Good Credit History (at last) - poor score!
Hi, Am looking for a little guidance if at all possible. I have a good credit history, did have defaults but these have fallen off my report as being over 6 years old. The one misdemeanor is a 2 payments late reported by Abbey about 11 months ago following an arrangement to pay (fell out with them over the sudden and…
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using 0% balance transfer
I know this may sound nuts but i need to know if the credit card company that i have done a transfer balance to knows that my old credit card is now clear???? I also would like to know if you balance transfer already to one card then do it again to the same card will they suss this out? Yes yes why all these strange…
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Never had credit card, confused about which to apply for - help please!
I have never had a credit card (actually I did/do have one with HSBC which came with my bank account, but I have never used it, I dont even know where the card is) but I really need one asap to pay for a holiday. I am 27, on £20k. Have student loans which I am paying off and since uni permanently in my overdraft (£2000…
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How long to get a card?
Hi people, I'm looking to get a new credit card with a 0% on purchases intro offer (looking at the Tesco one?) that I want to spend on in mid April - how long before should I apply for it?? I don't want to apply too soon and waste some of my 0% time but need to have it in time to spend. Any advice? :think:
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Post Office Card 'anniversary offer'??
Coming up to 12 month anniversary and my 0% offer ends, but phoned them yesterday to get a balance in preperation of transfering it to another card, and they offered me a further 5 months 0% interest if I balance transfer a minimum of £100 to the card, from another, on the anniversary (1st March) or near to. If it sounds…
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Credit Card for Spouse?
I am using Natwest Credit Card for 4 months now. With my card, I have an option for supplementary card for my spouse. As she does not have any Credit Card so I am looking positively towards it. I have few queries on it – 1- This New Credit card would build Credit History of my spouse or mine? 2- Would it help my spouse in…
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Cancelled 0% on Vigin card
Hey all. Just would appreciate any advice to see if I have any hope of getting out of this - although I doubt it to be honest..... The mrs had a 0% for 15 months offer on her virgin card recently - when the card was practically full. We did the sums, and figured it was worth the hassle and transfer fees to clear the card,…
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Possible Holiday Scam! HELP!
I was called today saying I had won a free trip to orlando and stuff. I am usually wary of this sort of stuff and hit the '1' I needed to just to see what happens of this. I get this person on a really bad line who goes on really quickly and says 'you are getting rewarded for a good credit report' and I say 'really? which…
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Do you know how much interest you are payindsg?
Hi, I have received my latest statement from virgin which has a zero balance on the card. Virgin have added an interest charge of £0.01 which I have obviously disputed. I have challenged this and it is being refunded. It made we wonder though if you have a credit card with a balance on it and you are paying interest; do…
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reclaiming insurance from credit card
Hi, I'm not sure this is in the correct section or not, just to explain Got a First Direct Gold card in 2002, now things were good and I know its stupid but I don't really look at credit card bills, just pay them via DD, well since times have a changed and are not so good I've been checking a bit. FD put an employment,…
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Minimum payments
Hi I am not certain if this is the right place to post this, however... My partner and I have 3 credit cards with £4000 max on each. Having recently inherited money we knew the first thing we had to do was pay them off. But the credit card companies are refusing to accept anything other than the minimum payment. One…
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Help - got a postive balance on my Halifax CC
Hi, I have just had my credit card credited with almost £4000! I 'think' it might be from a satander - which I applied for their credit card well over a month ago and have only just heard back. Although currently I have only had the pin from satander and no card details yet or credit limit known. I need help or guidance as…
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Wrong name on credit card
Hi, Can anybody help me with a situation my mother has found herself in. When she took out an MBNA credit card a few years ago they sent her the card with the wrong name printed on it. Statements came for months with the same mistake on it. Eventually they changed the name to the correct one. Is this debt legal? Would my…
