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What would you do??? (re full and final settlement)
Hi all, I have been given the option of making a full and final settlement on a Halifax credit card debt and I was hoping to get a few opinions before deciding what to do. In February 2007 I was made redundant and fell behind with a number of credit cards. In February 2008 the Halifax issued a default notice and this…
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Cleaning up after credit report.
HI I have had a Experian Credit report. as I want to up my credit on one credit card to do a transfer. It suggested canceling cards or credit allowances I am not using. It showed I had Quite a few old cards (11) still showing credit allowance. They are all old and cancelled long ago. Have managed to cleane up on half…
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Using Halifax Clarity Card Abroad
Hi I've opened a Halifax Clarity Card for when we go on holiday as there is no fee for purchases abroad. Can anyone tell me what exchange rate will be used if i buy anything abroad? I've asked Halifax but they don't know, so i phoned complaints and they put me through to the wrong department, i phoned mastercard and they…
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Want to transfer loan to Credit Cards 0%
New to forum and would welcome advise advise from fellow users. We have outstanding debt of £8000 with 2 loan companies and were thinking of transffering the debt to a current credit card and then using a 0% deal on balance transfer cards. We were then going to pay as much as we could in the offer period of 0% then…
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Balance Transfer
Hi I need to balance transfer the follwing cards : Virgin Balance £5000 16.6 APR Tesco Balance £ 3500 16.9 APR Santander Balance £1900 18.9 APR Barclaycard Balnce £1600 APR about to 14.9 but currently at 9.9% APR I have been accepted for a BOS card, credit limit £6500, 3 % transfer. I can afford to also pay about £500 per…
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Credit card late charges
In the last month I've had late charges on three credit cards, one for late payment, Santander insist on ten days to clear payment make by internet banking, one for a statement not received in the post and the last for a statement not received by e-mail, have I just been unlucky and with a lot on my mind forgotten the…
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0% credit card 12 months min
Hello I am getting married next June and have found a good deal for a honeymoon for a total of £2438 in Kenya but then about £710 for the safari part on top of this. For our wedding present we are asking for contributions and in addition to this I will be putting £200-£250 of my wages aside per month in saving for this (as…
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New job- No Pay for 3 weeks- Need Best Credit Card recommendations
I've just started a new job at the NHS. I am currently only temporary contracted with an agency whilst all information is being processed; references, ID etc. Unfortunately not all my references have come through in time for the monthly payroll shut off date. The plan is i will get paid from the agency up until the first…
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First time CC: Which to go for and advice!
Hi there I am looking to buy an engagement ring in the near future and have been considering payment options as I would like to purchase it on finance - ideally over 2 to 3 years. However, a friend mentioned to me rather than taking out finance from a jewellers and paying a big sum of interest an option to consider would…
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Which cards have the best customer services
Just wondering - still need to make up my mind and this seems to be the main sticking point for a lot of the big ones. Thanks!
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Can't afford repayments on Lloyds card
Hi there, I'd like some advice please I have a student credit card with Lloyds TSB with a balance of around £700 Due to having to pay more rent due to not having all of the deposit on my accommodation i can no longer afford my repayments until January Calling the credit card company is not an option as my phone has been…
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"Good" card, "bad" card, or "in the middle" card?
Hi all, My situation is this: 1 Default (satisfied) - 2007 1 Late payment - 2006 1 Late payment - 2007 1 Late payment - Jan 2010 - stupid problem when switching from British Gas, but hey-ho... I have an overdraft and one credit card, both of which have green zeros all the way. I'm using 27% of my credit, which in turn is…
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Declined for a credit card...again
I turned 18 at the beginning of this year and I tried applying for a credit card with Capital One and got refused. I waited 7 months and this week tried applying for a Vanquis card and got refused again. I have checked my credit file at creditexpert and it shows a bank account that I don't use (with HSBC) with a balance of…
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Interest on 0% balance?
Should I be being charged interest on a balance of zero? I paid off a card from Lloyds last month, and have just noticed they are still adding on interest (a few pence) which I didn't realise could happen. Is this normal?
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Santander Credit Card
Hi All, I currently have a Santander 0% credit card. I have transfer money to it already. How many times can you do a balance transfer? Thanks
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american express 5% cashback question
Hy If i get this card and have my partner as an additional card holder, does this mean she will get a card aswell? will she be allowed to get the 5% cashback on her purchases, it says up to £100 cash back can be earnt which is if you spend £2000 in the first 3 months, is it the same for her or is the £2000 between us?…
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Crafty credit cards?
Hi to everyone, new to forum. Have a dilemma and would appreciate any advice. need to borrow £1000, what would be the best and cheapest way to do this? Been tempted by the credit card i already own--Virgin, they have told me there is a promotion on till 31/10/10 where they can do a money transfer to my current account at…
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Santander
I am writing in connection with the request for credit of funds on closure of a store account with Santander. I sent a letter dated 12th September 2010 to close my account withm House of Fraser under the umbrella of Santander. I gave bank details for a credit of over £173 to be paid into. I received a letter from Santander…
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Misunderstanding with HSBC
Hi there, I'm a long time lurker of this forum and always find the help I need before having to post myself, but this time I'm in a very sticky situation. Basically, I'm 24 and graduated in 2008 with a maxed out overdraft (£1400 interest free on graduate account) and have been trying to pay it off since. I have student…
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'credit card shuffle' query!
I see that Barclaycard offer a reduced rate of interest for existing customers. I want to take advantage of this but need to first get rid of the current balance to another two cards. Sounds stupid, but how do I go about this? Is it as a transfer or pay like a bill? Also, was thinking of asking if can do the same with…
