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Charged Wrong APR by HBOS
Hi all I got a CC out with Halifax in 2004, at the time there APR's ranged from 9.9%-17.9% depending on credit rating. I was accepted with a credit rating of £3k and an APR of 15.9 %, i.e. one level below the highest level. over the next two years halifax kept increasing my limit to over £10k. However I had no intention of…
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Confused about Balance Transfers pls help!
Hi all I have £2000 on a hideously expensive Halifax Card. My Barclaycard has offered me 0% until September 2011 BUT I already have a balance of £3000 on the Barclaycard. I thought that doing a balance transfer from the Halifax to Barclaycard would be a bad idea because the £3k on the Barclaycard will just sit there…
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Interest free credit card / loan with guarantor
I have had a search on the forums but I can't seem to find what I'm looking for. I have 2k of debt and a very bad credit score. My friend has offered to help me out and act as a guarantor on whatever loan I get. Does such an offer exist where I can get an interest free credit card / loan in my name but my friend (who has…
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Credit cards in Jersey
Hi, I have recently moved to Jersey and would like to apply for a new credit card. However as Jersey is in the Channel Islands and not part of mainland UK will I be able to apply for a card from the standard UK banks? I have several cards on the go at the minute and would like to do a balance transfer to a 0% rate. Any…
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new amex offer, turning cashback into vouchers?
We have an amex credit card account, mainly for the cashback, recieved a flyer from them today that says we can convert our cashback into vouchers (for boots, comet, homebase or house of fraser) instead of just getting the cashback credited to our account on the anniversary. It says we would recieve 'an extra 5% on our…
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Do Current Account providers reward loyalty if pushed?
Hi. It seems that there is no section devoted to current accounts, or maybe I am being blind. Basically, I have been with Nationwide pretty much all my life, I have a FlexAccount with them and a couple of savings accounts which makes life very convenient, especially with online banking. I have a small £250 overdraft which…
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Abbey BT card..small credit limit?
Just received my abbey BT card after 4 months i originally applied for it. I got told i was rejected over the phone yet 4 weeks later they wrote to me to ask for 3 months payslips/bank statements. I provided them and they said i was accepted after all. Received my card but my credit limit is so small its hardly worth it…
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Help with "Create Services (Goldfish)" on credit report.
Hi, Could anyone please help ? I have recently requested a credit report from Experian and in the Financial Associations section there was an entry for "Create Services (Goldfish)" and the association was with my wife and was confirmed 25/04/10. Not sure 100% who this is,could it be Barclaycard who purchased the Goldfish…
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MBNA changing interest rate - help please!
Hi there, I wonder if someone could help me with a situation I have please. I have an MBNA account and hadn't used my credit card for a long time, towards the end of last year I received details of a promotional offer from them that if I used my card by the 1st January 2010 I would get a purchase interest rate of 2.9% for…
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Tesco no longer using RBS ?
Read a post somewhere that Tesco were no longer affiliated with RBS as Tesco Personal Finance had bought... well, Tesco over :think: Had considered applying for the RBS 0% Balance Transfer card but decided not to because thought they would decline me based on fact that I already have a Tesco Card and may even like to…
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Star Alliance Credit Card, flight reward card?
Hi I've earned some miles flying with Singapore Airlines and am on their frequent flyer program. I'm going to be flying to the US this year with one of the U.S. carriers in the Star Alliance (of which Singapore Airlines is one of them). I'm a few thousand miles short of upgrading my level which would mean not being charged…
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Help with Banking Sweeping practice
I have a barclays current & saving acct, I recently transferred some money from my saving acct to cover my credit card payment. I set up the payment before the date due and find out that my payment had been returned. Result, I got a hefty interest charge from Barclaycard and a late payment charge. These have been incurred…
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Advice please on credit card charges
I am with Virgin Credit Card and pay my card on the 1st of the month. What I didn't realise was that Virgin don't let you pay at any time between due dates but in fact you have to pay in the 20 days between the statement being issued and the the date they want payment by. E.g, May statement issued 7th May asking for…
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Between jobs & getting a mortgage - HELP PLEASE!!
Hi I have been offered a new job which I am going to accept, handing in my notice this week. I will finish at my curent job around mid July once I have worked my notice and start my new job on 2nd August and will be on a 6 month probation period. The problem is my boyfriend and I have seen a flat we really liked at the…
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Which credit card is best for the USA?
Hi - Can anyone help me? I am going to America in about 7 weeks and need a credit card to use while over there, should I go for the Amex Platinum card? Can you use credit cards at ATMs or is it best to take enough cash with you and pay for everything on the credit card? Help, I am a complete credit card novice, I have only…
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Question about credit card interest - having missed payment date
Hi Folks.. Just back from hols and I've just realised that I missed a credit card payment just prior to going on holiday :embarasse. I always pay my balance off in full each month. Now I do have a direct debit in place for the minimum amount and this kicked in during the time I was lazing on the beach. So on the bright…
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Non-instant decision on Post Office Credit Card
So applied for Post Office credit card thinking it would be "Instant Decision" like it said, got to the last step and it said something like: "Unfortunately we are unable to offer you an instant decision, but we will write to you within the next 5 working days". It went on and said, in the meantime, please read this Credit…
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Where next?
Hi everyone I need a little be of advice on credit cards. I'm a bit rubbish with keeping an eye on things and understanding how credit cards work. I see all the 0% for certain periods of time being bandied around but dont understand what that is on. I have had credit cards with Alliance and leicester, virgin, tesco and am…
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a little help
hi all i have 2 credit cards with a bit of debt on both, one is from lloyds a platinum mastercard, and the other is from mbna. Would it be possible to clear the balance on the mbna card with the lloyds card then get a different card to balance transfer 0% for 12 month? is there any rules I should be aware of? Hope you can…
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Vanquis CC
Ok guys, noob post alert but If anyone could share some advice I would greatly appreciate it. Ok so far I have been balance transferring into my Halifax CC account, I have now outran my interest free balance transfer period and sourcing new credit. I do not believe I have bad credit, according to my credit expert portfolio…
