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credit card application help.. re addresses
Afternoon all! Back with another question re cc's lol I think background info would be needed to answer so will be brief but give as much info as poss! Me and ex split 10 months ago... thankfully on better terms than when we were together! As we have 2 kids together he couldnt afford child support and to live in our house,…
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Barclaycard error in interest rate offer
Hi Looking for a bit of advice Was on the long term 0% interest rate credit card offer with Barclaycard for 14 months from October 2008, ie due to expire Jan 2009. However on my last 2 Barclaycard statements Jan 2010 and Dec 2009 in error it started to say Interest On Your Balance Transfer BALANCE 3729.36 INTEREST 0.000%…
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underpayment = ridiculous interest.
I don't know if there is anything I can do about this or whether I just have to accept that we've been screwed. We have a Tesco credit card that we always pay off in full before the due date. At the end of the previous month, we had a very high balance (approx £1925) due to Christmas and other one-off high expenses(new…
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No Statements
Hi all I have a vanquis cc, its the only one i have, and i have no other debts according to my credit file. Over the last couple of months Vanquis have failed to send me my statement, and every time i call them they tell me to contact the post office, well i know the postal system inside out, so i know its not their fault.…
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paying off debt
I recently got divorced and racked up a very big (£40,000) debt. (Two cheers for the lawyers!) I have been able to draw down a tax free lump sum from my pension of about £14,000. I have a £14,000 unsecured bank overdraft on approx 15%APR and similar amounts on credit cards most of which are interest free as I'm rate…
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balance transfers-cards with high limits
Hi everyone, we would like to transfer the balance from 4 existing cards,(m&s,nat-west,egg,mint), total about 22k, also the tail-end of a halifax loan of about 3k. As i understand that its better to have as few credit searches as poss., could any member please suggest some cards that might give the highest limit ? PS…
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Which CCs to ditch?
Hi all, Just seen a similar thread and thought I'd seek some advice about my situation: My partner and I have around £16k of credit card which we've been bouncing around between our cards. Currently most of it is on his (his choice!) and I'd like to tidy up my credit rating a bit. I've worked out I have about £22k…
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Newbie- please help
Hi all My Fiance and i are looking into buying/ shared ownership for a first home. A has a credit card, and about 3-4 years ago he had two late payments on the card. Will this give him a bad credit history? I have filled in loads of application forms for the housing asc etc and have had to tick the box 'have you ever had…
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Moneybookers as a card mule for Vanquis/Capitalone
I would want to use Vanquis/Capitalone CC to fund my Moneybookers [dot] com account and extract a synthetic cash advance of £500 from my Vanquis/Capitalone card. Now, I’m not sure whether Vanquis/Capitalone would consider the Moneybooker transaction as a cash advance or not. I’ve done the same thing with my Vanquis &…
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paying off argos store card with credit card
question for my sister who has not got a clue. she has £700 balance on an argos store card & has got a low apr credit card (not sue what it is but it is under 10% i think) i understand that she cant do a balance transfer from the argos card, but could she phone them up & pay the balance off using the credit card. she…
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FRAUD - Report it, Get Support, and Tips
The National Fraud Authority, The Attorney General's Office & The City of London Police etc have launched a new website. It's your place to find out about Fraud. www.actionfraud.org.uk Early recognition of fraud can be vital, so no matter whether you think you’ve been a victim of fraud or you just want to know how to…
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Can anyone recommend a card or issuer that offers real ID protection?
I've a mate whose an author, he's had his CC compromised 3 times in the last 13 months (the first time for over 10K). His bank doesn't seem to have any safeguards in place despite changing him for ID protection each month which they don't seem able to give. Someone been using his autograph to write the bank and change his…
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Tesco or Sainsbury's CC
Any peeps got opinions on which is best????? Cheers xx
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Does I close cards with zero balance?
Hi. The majority of my cc card debt is on two cards now, both LOB transfers, one at 9%, one at 6%. I have 2 cards with a zero balance, and one card with £600 at 21%. I have spoken to the 2 zero balance card companies, who say there are no balance transfer offers on my account at present, so should I close these accounts…
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MINT existing customer balance transfers
Can anyone tell me if they have recently received a balance transfer offer on their existing MINT card? I have recently cleared the balance on mine was was looking to transfer the balance on my MBNA card to my MINT card but there hasn't been any offers for ages and I have just noticed MINT are not accepting new…
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My first credit card - need advice
Hi guys im abit of a newbie so i hope im in the right section, i did search for older threads but couldnt see any. Im 25 and have had a bank account (my first) with A&L for about 9 months, awful i know but up until then i was just using my partners. I dont have any debts in my name although my name is on my partners credit…
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Best credit card at moment
Can somone point me in the right direction I'm wanting a credit card I'm self employed and would only use it for materials any info will be great cheers
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Moving abroad and want settle credit card debt
Hi I am moving to Australia and I d like to pay of all my cc debt before I go. I am selling my house and want to use the profit to pay the debt.I have 2 ccs with MBNA (11k combined debt) and one with RBS (3,500). Does anyone know if cc companies are likely to accept a settlement offer? I can afford to offer them about 80 %…
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Changing my credit card
Hey guys, I currently have a NatWest Visa credit card with a £750 limit. I use this for all my purchases and have paid the card off every month for at least the last three years. I've recently seen adverts on television, etc that have highlighted some of the additional benefits of other bank's credit cards such as…
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credit Card or loan ?
i am looking to change my car and will require approx £12000. i wondering if someone can give me some advice. I dont know which is the best option is it: 1) apply for a virgin card and use this to transfer £12000 to my current account which I believe would currently cost me 3% transfer (£360) one off fee and need to pay at…
