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Short Term Credit Card Advice
Hello, I am going out to South Africa in August which is funded by grants and fundraising and the money wont be in until the end of June. I am unable to borrow the money off friends but have access to a credit card on which i can book the flights. Does anyone know how much interest i will pay on £3000 for 6 months at…
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AMEX 5% cashback in first 3 months
My AMEX offers 5% cashback in the first three months upto £100. This means if I spend £2000 in month one, any extra I spend in months two and three won't be counted as cashback. Should I, once I spend £2000, move to my M&S cashback card (lower cashback) for months 2 and 3? I can then move back to my AMEX card in month 4…
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How long into a job before applying for a new credit card?
I have been unemployed since June but luckily due to start a new job with a new company on Monday. My 0% deal on my Halifax CC is about to run out. How long should I wait before applying as its a new job? Cheers F
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i DID set up a direct debit!!!
hello everyone. just had a phonecall from cc company (mbna) telling me i had missed a payment (therefore lost 0% deal). however, i rang them early last month to set up a direct debit and was told it was sorted. i've phoned them to try and sort it out but they say they have no record of my calls and i cant prove anything.…
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If I pay a lump sum before min pmt date with min pmt still come out
Hi all I have a M&S card and min payment of £100 is due to come out on 18th Jan by DD Now today I paid £2000 off it at the bank Will the £100 still come out? or does that £2000 class as my payment coming out?
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Is it possible or not?
Hi there, So, finally 2011 is here and my main objective is to sort out my finances- a New Years Resolution which i am determined to stick to. So i've calculated what i owe in loans and credit cards and how much i pay a month to cover these repayments. Its quite a lot; and i am pretty sure consolidating them isnt an…
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Introduction
Hello everyone as i am a new member of this forum i found this forum very interesting .Thanks....:)
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Advice needed please :)
Hi there, im new to this thread, and appreciate any advice given........... Basically I have got my balance down to just under £50 on my CC :j And I have a purchase I was going to refund today for £30 and pay the rest from my account. However I have just remembered, my sister destroyed my CC last week to stop me spending…
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Equifax and Virgin credit check dispute
hi there, not sure if this is the right place, but I've been running between Equifax and Virgin for 6 months and got nowhere! My Ex and I divorced last year and I took over the house in my name. He left an outstanding Virgin bill and Virgin failed me on the credit check to get services with them. They said my Equifax file…
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Cancelling credit card accounts
Can anyone help please? I have just completed a credit check and i still have a few open credit card accounts, I don't use them anymore and the balance on them is zero and the cards have been cut up years ago. So the other day i phoned each company and tried to get them all cancelled but unfortunatly each one came back…
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Bed credit history after changed the address.
Hi all I'm foreign in the UK. Thanks if any body can help me. I used to live in one flat, then moved to another. The situation looks like when my partner (before with an excellent credit rate) applied fro credit card and then get refused. We thank that our previous address has some problem! I have no idea, as somebody used…
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Overpaid credit cards
Does anyone have any suggestions here? I mistakedly overpaid on 3 of my credit cards (I only use them for 0%, when that has run out I repay them) - I paid off the wrong amounts and now they owe me money. They have all just ignored my requests for refunds. (the amounts are quite significant £350, £140 and £95), in fact…
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Egg Money Transfer
I have in the past transferred a positive balance from my Egg Money card to my bank account. When I went to do this again the other day I was unable to find a way of doing it. Has this been stopped or am I just being thick. Thanks.
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Experian searches
Can anyone clear up for me once and for all whether the searches marked as 'searched by experian when you requested your credit report' do or do not show up on your record as seen by lenders? I'm talking about the report it draws up when you simply go to 'view your most up-to-date report' rather than requesting a credit…
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Balance Transferring....
Hi, I'm new to balance transferring so need a little help please...?! I'm looking at buying a cheap car and putting it on my credit card then transferring the balance straight away. I've only been looking at trade sales because of using my credit card, but the bargains are in the private sales. If i withdraw money on my…
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Help with pre paid credit cards please!
HI I am looking to get a pre paid credit card and need some advice, I have looked online and you need to pay before they send you one, which I find odd seeing as I dont have a credit/debit card to pay the fee with! Is there anywhere you can go in to and get a pre paid card from and pay the initial fee there and then? Also…
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Section 75 claim refusal
Hello I took out a S75 against MBNA. We are doing up a Citroen car and bought a part for it in July 09. It arrived and was a peugeot part. We queried it and was told it was compatible with Citroen (as some parts are). The car was at the stage where we were ready to fit this part in July this year. The car would not accept…
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BEWARE: 0% Transfer Offers on cards you already have a balance on
Hi, Just received a couple of 0% Balance Transfer offers and the thought occurs to me is that Credit Cards companies are trying to catch out customers who already have a Balance on their cards (especially so if this is a previous Balance Transfer at a special rate). Now CCs are forced to apply payments to the most…
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What do i do?
I currently have a credit cars which I have £800 on. I was looking to change to a 0% balance transfer card because I won't get charged APR like I am now. I can pay the card off easily in the next 12 months now I have had a pay rise :) Although my credit score used to be bad it is now a fair one. I don't want to apply for a…
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1st Credit 50% off debt
I owe a lil bit of money on my Vanquis credit card and I ive had a letter off 1st credit debt collectors offering me 50% off what i owe them if i pay before the end of the month, there saying its a 1 time opportunity but i had 1 last month aswell...is this to good to be true and will they still be chasing me if i pay it??…
