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Credit Card cash back
Hi I have read the warnings repeatedly about withdrawing money using a bad credit card. I wanted to know if when you make a purchase you get cashback does the card realise it is cash or does that count as a purchase Any information is appreciated
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Virgin 0% card query
I've just been accepted for a Virgin 0% card with the intention of doing a money transfer as a short-term loan. One thing I was wondering, it offers 16 months on these transfers at 0% and 3 months on purchases at 0%. If I do any purchases will the be paid off first or will the payments go against the money transfer?…
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New credit card rules - be ware!
MSE reported this week that the industry has taken the leap and decided that perhaps it's really more fair to use any payment against costlier debt - finally. However, be ware of your terms and conditions. I took this to mean that as soon as I've incurred a costly item (e.g. cash advance), and I make a payment the next day…
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Loan to pay CC off
Hi i currently owe around 3.5k on one credit card, and currently can pay £150 off a month. However i find myself using my credit card often during the month. So i was wondering whether to get a loan to pay off my credit card and then cut it up so i will not use it. It will mean i can pay my credit card off in around 2-3…
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Santander and fraud grrrr
will try and keep this short!! recently my purse was lost but due to working and xmas i didnt notice for 2 days. i phoned santander to cancel credit and debit card, and ws told that they could both be done during the same phonecall and new ones issued. There were no questions asked at this point about the last…
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Notice of default - will it appear on credit rating?
Hi, I've recently called my insurance company to redo a direct debit which I've mistakenly cancelled. That was 10th of January. I've explicitly asked whether I have anything overdue and the answer was "no". Today (I'm writing it on 13th) I've received a letter with a Notice of Default stating that I've failed to make a…
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Virgin air miles
After visiting the USA a number of times we decided to opt for a Virgin American Express credit card at an annual fee of £150.00. This gave us 2 airmiles per pound.The card was issued by MBNA. We have amassed a total of 400,000 airmiles. When we tried to book 2 first class return tickets to America using our airmiles we…
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paying regualry, more than minimum payment and they still send me a default notice:
hey all MSE forum users! Ive got a duet card (store card from pilot clothes store) and somehow it got over its limit. The balance on it 848.29, the limit is £300, so im currently £593.29 over. Ive been paying £90 per 4 weeks for months now, and the balance is coming down slowly, but i was on a payment plan, and when i rang…
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Asda credit card
Hi all Was just wondering if anyone knows if Asda do online monitoring of their credit cards. I just want to know if they send out paper statements or are they all online thanks
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balance transfer cards for people on benefits only do they exist ?
hi there just checkingmy partner has a cc with about 1500 on it quite high interest normally would just apply for a 0% balance deal on another but she is only on benefits sooo all the special offers tend to require you to work wich we can understand lol. soo does anyone know of any cards out there that dont predjudice…
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How to service credit cards - in debt?
hi my brother has a credit card problem - quite a big one.:( he owes approx £15000 on 10 credit cards he needs over £300 just to service their minimum payments each month. he is unemployed, on minimum income and mildly depressed. he can clear the debt when his house sells, but in the current climate that could be months…
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Best Cash Advance - advice please!
Hi Advice please.... I need to get my hands on £7000 for a deposit. Should I get a loan or credit card? which is best? If I get a credit card I cant get cash advance can I? Thanks
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Virgin
Any body here having trouble getting thro to Virgin to apply for a card?
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0% Card
Hi,On Monday 17/1/11 i will have completed the six years needed to get the B/R wiped from my CRF files.I have held two Credit Cards one for 18 months and the other for around two years.There has been no problems at all with both accounts.There are no defaults at all on my CRF files with all other accounts being up to…
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0% interest 17 month BarclayCard dilemma
Hi, I recently applied for this card and was accepted by BarclayCard. In my naiviety of bt cards i though it was balanace transfer into a current account. Therefore during the application when i was asked, will you be transferring from other credit cards? i ticked no as i thought it would be from my current account. Now…
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Default Removal
I have a default that was added on the 13/01/2005. This should be removed from my credit file today or tomorrow. Will this be removed automatically or will I need to ask experian or equifax to remove it? Kind Regards
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Virgin CC Int rate hike
I had a £3k balance and then I took out a 0% £3k Balance transfer with Virgin in January last year when my standard rate for balance transfers was 1.59%pm. After reading about interest hikes on Martins money tips e-mail, after checking, I noticed they had changed my standard rate to 2.20%pm in June last year. I rang Virgin…
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Santander Arcadia Store Card - dropping me
I've had a Santander Burton store card since 2004 (when it was GE Money). I've never missed a payment since 2005. My card is due for renewal next month. Today I've received a letter from Santander Cards saying that they have reviewed my account and have decided not to issue me a new card when my current one expires. Just…
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Poor credit rating, isolated incident 3 years ago
Hi all An issue I had with nationwide (I had no money and when I tried to make a paypal payment natonwide said it was unpaid DD so charged £30 plus £20 'cos I didnt have an overdraft) This snowballed for 6/7 months and has since had an affect on the credit I can get. I am close to my limit on CC 1. And have £230 to pay on…
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Halifax late payment AND interest charge?
Hey guys, just a quick one. Dad's credit card min. payment was made 2 days late (my mistake not checking statement). But in addition to the £12 fee he was instantly charged £20 interest for the outstanding debt. This is very strange as the debt is only £1,400 (16% APR) and it had only been due 8 days before the interest…
