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Barclaycard to pay off Hitatchi Capital
Hi i hope someone can help i have a barclaycard which ive just received an email saying i can have 0% for balance transfers with a 5% transfer fee - anyway i have outstanding on a Hitatchi Capital loan (central heating) for approx 2k with is at 21.9% interest, so my question is would it be a 'balance transfer' if i paid…
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Urgent question re egg money sbt
Sorry, I asked this on another thread but no answer yet and I need to know asap as I've just had a phone call telling me a family member is ill and I need to deal with this before I leave for down south. Can the Egg Money card hold any size of positive balance regardless of the amount of credit limit? I realise the credit…
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Clarification Required on cc shuffle
I am right in thinking 'am i not'? that regardless of the balance on your credit cards you should throw all your available cash at the most expensive rate card? For instance 3 cards: 14% 5000k balance 17% 2000k balance 21% 6000k balance So the 6000k card should be dealt with first followed by the 2k and then the 5k. Is…
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credit fraud
Hi, hope that somebody can help us as we have been recieving letters and statements in someone elses name but our address,the first from Santander in December so i phoned them up to explain that this person did not live here and they told me to send the statement back with a note to say so. I did this but then recieved…
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Lower APR on Halifax Clarity Credit Card
I've got the Halifax Clairity CC to take with me travelling later this year. Thing is, I assume because I'm a recent graduate and have only just started working, they offered me 17.9% rather than 12.5%. This is quite annoying as I'm going away for 6 months so will be spending quite a lot on it. Do you think if I ring them…
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Additional Cardholder query
Good afternoon all, Just wondered if I add my partner as an additional cardholder on my credit card does this make a financial link between us with any credit reference agencies? From my current findings I believe the answer is no, which is the answer I am looking for. Tesco Credit Card customer services says no as well,…
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Updating of credit reports
How long does it take for a credit report to update? I have made payments throughout Jan to one of my higher credit cards and out of curiosity went to check my credit report today and it still shows as it did 2 weeks ago. Not serious as a long way to go but just wondered how often they update? thanks
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Can anyone answer this?
My husband and I went to Turkey last July and visited opticians for new glasses. We were taken to get our eyes tested and both of us got varifocal glasses (which we did know that we would need) and sunglasses (distance). This cost £400 paid on our credit card. Since we have came back we have found out that neither of us…
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debt shuffle?!
I phoned barclaycard to try and do the shuffle that i saw on the website, from my capital one caard. They said i am not eligable for this!? Anyone give me a reason why?? I am close to my limit on my barclaycard, but the woman just kept saying about a balance transfer not being available!? HELP PLEASE!!!!! I have got to get…
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Cancelling cards with a balance
I have been trawling my credit cards' websites for t&cs with very little luck. Basically, if I cancel cards I've still got a balance on, do I have to pay it back immediately or can I pay back the balance in my own time?
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Recommend me a credit card!
Hi, I've never really used credit facilities much in the past and it turns out that last year my old Egg Card was actually cancelled due to lack of use! Now it looks like that might change, and I could need one pretty shortly. So, any suggestions on the best one to go for? It needs to be widely accepted (nothing obscure)…
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Can I put my Tesco CC into credit?
Got a 0% BT offer from Barclaycard but not for transfers to a current account, only to another card. If I BT to my Tesco card and put it into credit by £2500, I can use it to pay for normal house stuff and the money I would have used, can be earmarked elsewhere. Any reason I can't put the card into credit by this much? It…
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Capital One World Card
Hi Guys Advice needed please. I am thinking of applying for the above card and was wondering if you could tell me its say's it is preferable that you are a home owner do you know whether that I have no chance as a Housing Association Tenant. Also it says "No missed payment" even though I have none of these I did have a…
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Minimum repayment %
How do i find out the minimum repayment on credit cards eg, % of repayments. Virgin Money Credit Card Barclaycard Simplicity Egg Thankyou
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Declined credit card
Hi - Ive been telling my partner for a while that he needs to build some credit and he's finally accepted that he needs to do it. He applied for the standard credit card with HSBC who he hold an account with but he's been turned down - it just said online he doesn't have a good enough credit score. Well he's never had any…
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Freezing Credit Cards - Is is Possible?
Hello to you all, I was wondering if it is possible to freeze a credit card with a positive balance so no more can be spent on it until the balance is paid off? I am aware that when the credit card company raises your interest rate you have the right to reject it and pay off the credit card at the existing interest rate…
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Barclaycard closed account
I repaid my Barclaycard in full over seven years ago after having an arrangment to pay on the account for a couple of years. I have an entry on my Equifax report for a barclaycard with £54 outstanding (which I should have dealt with a long time ago!) the trouble is the card number doesn't match the card number that I had.…
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Frozen account but still got high credit limit? help
HI A few months ago Halifax wanted to increase my interest from 12.9% to 16.9% so I took the option to cancel the card and keep the rate at 12.9% at that time my credit limit was £5000 but the bill was £3000 approx, it is now down to £2300. I have just applied for a NMBA card with a 5.9% life balance to try to get this…
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Credit Card Question....Newbie!
Hiya, Recently I have opened a credit card account with Capital One, with the idea in mind of me building up my credit score. Now, I have hit a problem. The limit on my card is £200, which I have used £198 of in the first month of using. I cannot afford to pay the whole £198 off in one go this month, and I have heard that…
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CPP - Card Protection Plan
I recently decided not to renew my policy with CPP. Imagine my frustration when they they were unable to take the premium from one card that I had previously used as it had expired...but promptly used a card that is stored on file for them to protect! Is this common practise amongst these companies? I have asked for a…
