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Best way to use cards...
I want access to £1,500 cash at 0% and think that taking out an M&S card, then using the travellers cheques loophole will work best for this. Am I right? I assume I don't pay any interest until 10 months. Is that right? I also want to balance transfer £2,400 to a 0% card. Am I best to take out a separate 0% card for this…
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credit cards for people with bad credit
I currently have an IVA, but only have about 12 months left to run on it. I would like to buy a new mountain bike as part of my get fit health kick thing, but I think it could progress further into a hobbie or interest. I've seen one in Halfords for £500, but they don't offer a pay monthly scheme. The only other way I can…
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Trying to close credit card account
Sorry if this topic has been covered already, I couldn't find anything directly relating to it. I have an Argos mastercard with zero balance. I rang to close it in November and was sent a letter to confirm this had been done. However I checked my credit report which I get monthly from Credit Expert in December and it still…
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Balance transfers
I have offered a 0% balance transfer till spring 2012 by my mortgage company. I have very little on my existing credit cards. What's to stop me buying on my existing cards now an enjoying 0% credit for a year ?????
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cccs - TOO GOOD TO BE TRUE?
SOA = This is my SOA - Not sure if I filled it out right - I left the APR for each credit card as 0.0 as I dont know exact amount... My problem is, I am constantly paying minimum credit card repayments... and I want to get rid of the debts completely. I read somewhere, that I can send letters to my creditors in order to…
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Adding husband to my 0% card as additional holder
Hi all.My husband has always had excellent credit rating, but, 3 months ago, accepted a job after being self employed for 20 years. He has a credit card, but is paying interest on it. We have applied for 0% interest on balance transfer cards, but he is always refused (I assume because he has only 'worked' for 3 months). I…
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Prepaid credit cards
I've occasionally thought that getting a prepaid credit card would be useful, and have seen some with cashback on quidco. Are there any guides to which ones are best, or can anyone recommend? I'm looking for one which is free, and has no fees attached (or the minimum fees anyway). Thanks!
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Opus warning for those who may have recently settled their account
Hi all, First post and none too pleasant... I received an opus card, paid off some of my balance by tarting and the outstanding, under fifty pounds paid by debit card which was understood to be the full and final settlement amount to close the account. At the start of december. A week later, I received closure…
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Charges for using credit card
Hi I am new to this forum and am after some advice I paid a deposit and months rent on my credit card totalling £1500 for my daughter to a letting agent when she moved into a private rented house. After about two weeks the agency contacted me saying that I am being charged £51 costs for using a credit card. Now when I paid…
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Tesco Clubcard Credit Card Help!!
Hi All Am looking for some advice as to my rights/what I should do next. Its a bit of a long story so will try and keep it as short as possible. I applied for a Tesco Clubcard Credit Card and when applying I also provided them with my clubcard number in order that my credit card and clubcard accounts could be linked. I…
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Capital One
Hi I received a letter the other day from Cap One saying they will be raising my apr from Feb, and if Im not happy then close the account etc.. How will this show up on my report when I close, and will I still have access to the online account whilst its closed and still paying off? Oh, and does anyone have the number to…
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Santander trying it on?
I have a Debenhams store card, as with other cards the balance is paid in full each month by direct debit. This month, following a £3.28 cafe purchase I was charged 6p interest despite the statement showing the bill as paid on time. Please check your statements in case this is not an isolated incident. Charge was rescinded…
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Barclaycard Interest Rate Hike - Cheek!
I've been with Barclaycard for 3 years and the interest rate has progressively risen from 12.9% to 19.9%. I've now had a letter from them saying that it will now be going up to 24.9%. I decided enough was enough and phoned them to close the account (as you can pay back at current interest rate) and the lady on the phone in…
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Capital One Progress Card
Hi, I have had one of these cards for about 4 months now. I got a letter yesterday informing me that the rate had been reduced by 5% down to 29.9%. That's great, and it's what I expected. Another 5% reduction will be performed in 6 months. However, it then goes on to say that as I made no transactions for the first 3…
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help chargeback
hi I bought some goods online and havent received them i paid via visa debit card and i can see that i can chargeback via the bank. Do i have to wait for a certain number of days before i can claim this? Can the company i bought from charge me again if i do this as they insist they have been delivered? Thanks
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Which one should I pay off first (dont understand APRS that well)
Hi I have 4 credit cards and a catalogue, I just wondered if you clever people could tell me in which order they should be paid off 1. Lloyds balance £3164.32, monthly interest on purchases 1.527% min payment each month £76.39 2. Simply Be catalgoue balance £126.87 yearly interest 39.9% min payment £12.34 3. Virgin money…
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existing barclays customer, no loophole for me
Hi there, I need a bit of advice. I have a Flexi Rate Card from Barclays but am having problems paying it of, as when I pay less there is a bigger interest. However I called them thinking they might do something for me like the loophole(unfairly it is only to transfer money onto your existing card). I need a lower interest…
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Santander failed direct debit collection
Hi, read on here for a long time but first post :) I transferred my bank account recently (Nationwide to Halifax) and transferred all my direct debits. My DD to pay my Debenhams (Santander) card failed though and Santander said that I had no DD set up. I've previously had one set up for approx the last 3yrs. Halifax said…
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MBNA rate for life card - feedback?
Hi, I'm hoping someone who have already applied for the MBNA rate for like card at 5.9% could answer this for me. I have applied for the card online within their working hours, where they claim most of the applications are given an instant decision. At the last stage after it showed me what the standard interest rate they…
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Balance transfer and which one paid off first - MBNA
Currently got a 0% deal for £2000 with MBNA which ends in March. Plan is to pay this off in MArch before I start paying interest. They've offered me another 0% deal until October. Now I do have another £2000 on another card which would be nice to shift onto this. Trouble is I was thinking. If I transfer £2000 now, I'll…
