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CC's For Balance Transfers
Hey there need some advice my Credit rating is Average only 1 credit card with 1 default ever and some late payment on direct debits only 1 or 2 i make the payments on the CC i am wandering what is the best CC for balance transfers currently for a average credit rating
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Capital One Classic Upgrades
Years ago i had a platinum card 10k i was 21 very silly and had too much unsecured credit went mental and ended up in a mess owing massive amounts!!. Now aged 32 I have been making steps to restore my credit!. Last month capital one accepted me after many attempts small limit £200 how long will it take them to change it to…
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Barclaycard Initial
Hi guys What's the score with this - is it an extremely expensive mainstream card or is it meant to be subprime? Anyone got an inkling of the criteria they are looking at, from what I've read on this forum there are those who have adverse who can get it but others with none apart from no credit history who can't, I am…
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Tips on which Credit Card to apply for.
Hi, I am planning a holiday to Australia in March and want to apply for a Crdit card to use whilst I am away. I am petrified of credit card's and am so unsure about which one to apply for. Can any one recommend one with low conversion rates, and little or no fees at all. Many Thanks.
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Vanquis Credit card I did not apply for!
Hi everyone, Two days ago I received a letter from Vanquis Bank welcoming me to my new credit card which was attached to the letter and telling me all I had to do was telephone them to activate the card. It had a credit limit of £500. I have never applied for a card from Vanquis. On the same day I had a letter from CCP…
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Order of Credit Card repayments
Got a query that's confusing me a bit. At the moment have £2000 outstanding on CC at 6.9% interest. Have just been offered 9 months at 0% interest for a balance transfer (with 3% fee). The standard purchase rate is 15.9%. I don't spend on this card however. If I balance transfer £2000 to this card am I right or wrong in…
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Applying for a Barclaycard in branch
Is it possible to apply for a Barclaycard in branch? The reason for applying in branch is that I would like to get a response on the day. In general, I like to open financial products in branch instead of online, as I get to speak to someone.
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Gm cards going what to have next
Hello GM tell me there card is being with drawn? Strange they dont offer us an alternative. Now whats best? I spend a couple of grand a year on it but pay the full amount off straight away. Its in my pocket for emergencies, I also have an Amazon one I have seen the spend this much and get pints things but not really…
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Reduction of credit limit without warning
Hi All, My brother in law has a credit card with the TSB with 2k on it, it did have a limit of 10k, however he just got a letter saying they were reducing his credit limit to 2k. They have a good credit record however they were 2 weeks late in making last months payment, forgot. Questin is: Is this the reason why they have…
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Change in Credit Card Laws
I owe circa £8000 on a credit card. I have not used the card for anything for almost a year and my regular payments have been affordable at around £182. These come out of my bank account via Direct Debit. This month my payment was £320!! - when I enquired Santander said they had changed the way my interest payments were…
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Being declined for a credit card
I already have a Natwest credit card which I've held for around a year probably longer than that now. Looking through MSE discovered the Tesco card which offers 0% for 13 months so thought may as well change and make most of that. Applied over the Christmas period and hadn't heard from them so I decided to give them a…
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Is Amex still the best cashback credit card?
Recently received my statement through the post and on the cashback termsand conditions it now states that "no rebate payment will be made if, in the 12 months preceding your card Anniversary date, the amount of rebate earned totals less than £25." Last year it was £12 and I missed out because I earnt £11.57 which I…
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cant seem to get accepted for credit cards
Hi there everyone just want to query why even though i have a good credit score as far as im aware, ( i have never missed a payment on any loan or anything else for that matter) , i cant seem to get accepted for a credit card to balance transfer to a 0% card. I currenly have 4 credit cards each with balances on them and i…
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Can I move wifes debt onto my credit card???
Hi Wife has £3600 debt on credit card and the 0% deal will expire soon and want to move to 0% balance transfer card. Unfortunatley she keeps getting refused. Now what I want to know is if I get one in my name can I move her £3600 onto my card? I have heard different opinions on this. One credit card company said no and…
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Natwest CC Statement Date - statement generated in the morning or evening?
Hi, I have a Natwest Platinum card. My statement date is 26 January 2011. Does anybody know if the statement is usually generated early morning 26 January... or evening 26 January? Reason is I want to know if a Faster Payment on 26 January (say 2pm) will count as the new statement's payment, or the previous statement's.…
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What to do with debts??
Hi I wanted to get your opinion as to what I should do. I've listed my debts below with the most expensive debt first. £3,340 with Lloyds tsb (credit card, rate 23.3%) £4,422 with Bank of Scotland (credit card, rate 15.4%) £1,579 with Barclaycard (credit card, rate 11.90%) I am due to receive a bonus in February so will…
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Credit Card Currency Conversion
I would be grateful for views on the below description of credit card currency transaction conversion offer on board an American ship. I have read somewhere on this site but cant find it now, that you should be wary of allowing foreign commercial outlets to 'convert' spending on a credit card from the foreign currency…
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Amazon Bank of America CC - JUST VENTING
:mad::mad::mad: I am on a promotional offer that means I pay 0% interest until my Feb statement for Amazon's CC with Bank of America. Just seen my January statement and they've charged me interest! I pay more than the minimum amount each month and do it before the deadline. Worse: I've got to wait until 9am Monday before…
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CC help please!
I have a sizeable balance on a credit card with which i'm getting hammered with interest on. I have received a 0% offer for the same card through the post which is currently useless to me. It seems cheeky and easy so I need to know if it is legal to transfer this balance to my dad's card, and then wait a while and transfer…
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Diffcuilt for a non in debt customer to get a very high limit
Why do credit card companies give people who can't afford it high limits, yet someone like myself with a very high salary and no debts find it so hard to. I always have probelms requesting it. card always cleared on time very large ammounts spent and never had any debt ever! MBNA, Barclays, Halifax, Natwest all them.......…
