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5 Cards -Best to throw away?
I have 5 cards. BarclayCard 9k Limit 10k Virgin 6.7k Limit 7k M&S 200 Limit 5k RBS 800 Limit 6.5k Tesco 3200 Limit 3.5k I have just started a 15 mth interest free period with the Barclaycard, so the large minimum payment will help clear that over time. The Virgin card is coming to the end of its 0% period. What I would…
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Default - CC application to same company.
I defaulted in 2003 to Halifax. The debt was settled, and removed from my credit record in 2008. I have a 4.8k balance with a Virgin card, which is now coming to the end of the 0% period. I see Halifax have a good deal on their gold card. Would there be any problems with me replying to Halifax - would they turn me down as…
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hfo services and barclaycard credit card can anyone give some guidence?
hi out of the blue i recieved a letter from hfo services for a debt with barclaycard dating back to 2003-2007 i've never had a barclaycard so was rather shocked by this letter. I contacted hfo services who have been no help whatsoever and told them i knew nothing of this account which was met with demands for money etc and…
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irresponsible lending
i've been contacted by a claims company about credit card companies upping your limit and not getting you to re sign a contract, they are saying this makes your credit aggrement invaild and that you can claim money back would like to know if this is true
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Barclaycard Initial Offer
Hi i have received a letter from barclaycard today to apply one of their Initial card with the APR of 29.9% but need to know if i go for it or just ignore it. I already have one HSBC credit card with the limit of £500 and been using from last 6 months and paying on time what ever i use but i personally think my credit…
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Can't afford HSBC credit card payments
I have a HSBC credit card with a balance of £4000 that I can no longer afford to pay off. My income has recently changed and I now only earn £11,000 per year. I applied for a virgin credit card some months ago, but was refused. I am currently waiting for my experian credit report...I have been on the electoral roll for…
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Paying CC off too early?
I like to keep my cards clear but think i'm shooting myself in the foot. If I don't let the balance stay on there for a month, do I lose anything I could have possibly earnt? I have a Paypal card and the vouchers they used to send me slowly dried up, and I can only think that was due to me paying it off way too early?
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Tesco CC offer that doesn't mention 0%
I've just applied for a tesco credit card using the link in the deals section: http://www.moneysavingexpert.com/cards/best-0-credit-cards#deals On the Tesco site it mentions a variable APR of 16.9%. At the end of the application I got offered a card with a slightly higher (possibly typical?) APR but the offer screen had no…
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Beware AMAZON credit card offer
Shopping on Amazon last week for some books and the checkout automatically applied a £10.00 discount, shown as a separate line in the checkout, if I applied for and used their Bank of America credit card. Liking free money I filled in the online application only to find the discount disappeared from my checkout as you have…
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Withdrawing cash on credit card
Hi all, Just a quick question about withdrawing cash on a credit card. If I withdraw £500 on my card but repaid it the next day, would i only be charged the interest for that one day? Cheers, JR
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HSBC cc help required if poss?
Hi all, can anybody please advise me? I agreed with hsbc cc to pay £60 a month back in may or june of this year, which I have been doing. Yesterday I got a letter from them saying that the debt had been passed to Metropolitan Collections services and that details of the default have been logged with Experian, Equifax and…
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Credit Card To Pay Off Overdraft on Current Account
Hi, i was wondering if it would work out any cheaper, I have got £600.00 overdrawn on my halifax current account and been charged £1 a day Once my wages go in at the end of the month it will be cleared but in the mean time im been charged £1 per day wondered weather to pay it off with my credit card Thanks
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Halifax Clarity Card
Doyou need to tell Halifax when you are going to use the card overseas? Some companies don't need to know but some do?
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Credit Card Bill Has Been Paid By Someone else?
I have recently opened a post office credit card as I am temporarily working overseas. I have set up a direct debit to pay off the full amount each month. I have had my first statement and the due date was for the beginning of this month. I have checked the post office online service and it has showed my balance as being…
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Interest free period.
Hey guys, im thinking about getting a credit card with 0% on purchases to help me buy a car. I've never had a credit card before but have a good credit rating as i pay numerous things by direct debit and have never missed a payment, i also have an overdraft and have done for some time. Am I right in thinking that if i get…
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Credit Card Charges
Once upon a time, companies were hapy to take your payment via credit card, lately I notice more and more companies are charging us a credit card fee. I just tried to add golf clubs onto a charter flight booking with Monarch, via their website. When I went to pay, they infomed me that there was a "booking fee" of 3.5%,…
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Calculating card interest exactly ?
Hi, As part of my 'move all my money about' debt rescheduling, I'm going through my statements and it's annoying me that I can't seem to calculate the interest charged on my cards so that it matches what the card company are charging. Can anyone help me find out how I can calculate this exactly ? They must have a formula…
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Daft Question........transfer
Are Virgin & Abbey both MBNA cards???? Was thinking about taking advantage of the 0% transfer rate x
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Lost MBNA Promotional Rate
Hi all, first time poster! Long story short... Transferred bank accounts from RBS to Halifax. Nothing went smoothly, MBNA credit card Direct Debit not set up correctly as Halifax didn't give the correct reference number and missed a payment. Made the payment as soon as I got the letter, but MBNA have cancelled the promo…
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Credit Card Debt
Hi, I have recently been contacted by a company called HFO Services who state they have bought a debt from Barclays which they are now claiming for. They cant give me any information, i.e breakdown other than its around £600 debt and £300 charges. They say i defaulted in August 2005 and if i pay full amount now i get a 20%…
