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Virgin Credit card balance tfr
Hi, does anyone know if there is a limit on the balance you can transfer to this card i.e. if they give you a credit limit of £9,000 can you transfer the whole £9,000 from another card? Thanks
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Moneycorp Prepaid Mastercard
Has anyone else had problems with loading money onto the Moneycorp Prepaid Mastercard and have they had any positive information from the issuers regarding the matter? I haven't been able to load it since the end of December and their customer service department will only say that online loading has been suspended due to a…
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How Long?
Hi ya, Just wondeed if anyone has applied for a Santander balance transfer credit card? I am already a customer and did an online application for a credit card with balance transfers. I did this on the 4th of February and havent heard anything back yet at all? Not even a decline letter? Just wondered what your experiences…
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will credit card companies stop applying interest if you ask them?
After years of bad debt I have sorted most of the big ones and am left with a Citi card credit card owing just over £900 They have withdrawn the card yet they still charge me 27.9% APR interest. Due to bad credit history I don't think a zero %balance transfer is an option. Am I able to ask Citi card to freeze or reduce the…
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asking credit card company to stop applying interest
After a period of poor debt management I have now cleared most of my debt and am down to one last credit card - Citi Card. My credit is very bad due to previous history, so I don't think balance transfer is an option? Citi cards have withdrawn my card which is fine, but still applying interest at 27.9% APR Is there anyway…
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Lloyds TSB Credit Card
I ahve a Lloyds TSB credit card with direct debit set up to come out each month on 28th, now the card is in arrears and have just noticed that when checking online bank statements that in addition to payment taken on 28th January that an additional ammount has now been taken out on 16th February virtually reducing bank…
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I Need A New Credit Card Combo - What Do You Reckon?!
Hello All! I currently have a AM-EX Platinum Cashback card and a BMI Platinum Mastercard (which I've had for years). Rather then Perks Vs Cashback - I'm not fussed, I'll just take whatever gives me the most money/rewards equivalent to money. I just did a little work out on Martin's Rewards Checker and it looks like I'd…
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Declined by MBNA
Hi all, I applied for the MBNA 'balance for life' credit card with hopes of transfering my loan to it. They have declined my application with the reason 'We feel that you are sufficiently committed based on your present income.' Well yes I am sufficiently committed with my loan but the idea was to transfer my loan to this…
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bank error in my favour??
I have a credit card with around £2k of debt on it outstanding. But it's disappeared from the bank's records. I've asked them about it and they say it doesn't exist. I've stopped getting statements and it's not taking my monthly Direct Debit. Has anyone ever seen this before? What's the legal position? Is there such a…
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credit cards and mortgages
Can credit cards be used to pay mortgage repayments without fees charges? If so, would there be any benefit of using a 0% credit card to overpay the mortgage to reduce it whilst mortgage rates are relatively low and balance transfer after 12 months and so on. Obviously you would have to repay the full amount at some point…
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CapitalOne/ Egg Cashback Cards - increasing acceptance rate
Hi, I have two Amex cards, one of which I use a lot and the other that I barely use and just use for backup; however I'm thinking about trading one of them for a CapitalOne or Egg Cashback credit card. I'd like to get a MasterCard to replace one of my Amex cards, since the latter is not always accepted. Ideally I don't…
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Mint credit card are evil pigs!!
I have been trying, with no luck, to lower my APR on my mint credit card which is set at 24.9%. Every time i call they tell me that there is nothing that they can do and that Mint dont negotiate APR rates. I asked what a new customer would be paying if they opened an account to which i was told that they are no longer…
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0% Credit Cards Are Evil
Hi Guys, Is this a bit sharp pratice? Last October my father went to book a cruise at Thomas Cook, but when he came to pay the deposit they asked if he wanted to take out their credit card and he would earn their travel money thing everytime he spent on his CC. So he applied and got it. It also came with 0% interest free…
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Company Credit Card
Hi there, lately I've been a bit lucky and have landed a job which at the moment I enjoy and has a lot of travel. I have a CCJ in my credit history from 5 years ago and am waiting another year or it to clear off my credit file. My question is, if I get a company credit card at work, will they credit check me or just add me…
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Applying Credit Card Balance Transfer!
Hi. I currently have a halifax credit card with £3500 on it. The Limit is 10K. The APR is 15.9%. I would like to transfer it on to a long 0% deal. Which ones would anybody recommend? I have an income of 16K. I have a 4k loan and no other debt. I had my credit score done last month and it was 999. Am I likely to be…
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New Bie - Wanted Second Credit Card?
I am having a Natwest Credit Card with a limit of £1500 issued to me in Nov'2009. I am looking to have another credit card. Is capitalone CC is good for me? My main consideration is good credit limit. I use the card and pay off end of the month, so high interest is no problem. Pls advice.
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Early Settlement discounts on CCs?
Hi I've got a loan to pay of all my credit cards do the banks give you a discount for early settlement of your CC and if so what advice can you give me for getting them phoned halifax & hsbc and they said the amount was exactly the same as my existing balance any advice would be great
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newbie and very confused!
Hi, I am looking for a bit of advice. I have run up a bit of debt in the last few months and I want to sort it before it gets worse. I currently owe £1500 on a HSBC credit card and I am approx. £700 overdrawn. My wage only just covers the overdraft which now means I will be in for most of the month. I have thought about…
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PLEASE HELP! Creditor sent me court claim form
Hi All, I had a credit card a while ago which i didnt keep up payments with due to my lack of finances. I spoke to someone from a debt collectors letter when i had eventually sorted myself out and arrnaged a payment plan each month of £50pm (debt approx £1k) which has been paid promtly for 6 months. As its coming to an…
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allocating payments to C/C
i have 4 credit cards with balances of between £600 and £2300,i can afford to pay off £200 per month on top of the minimum payments,what i would like to find out if anyone has any ideas,is would it be better to pay the full £200 per month off 1 card at a time.or divide it between all 4,equally or pro rata? i remember…
