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Which Card (if any)
Hi all, Bit of a long shot and I would appreciate not having any non-useful comments in terms of the situation I'm in :) I'm after a Balance Xfer card for one if not both of my accounts but I'm unsure how to proceed. Circumstances: Halifax CC: £3800 @ 29.9% APR (Pay between 300-500 per month) Barclaycard CC: £6500…
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Credit card 'not authorised' in ATMs abroad
Hi all, I was away in Bruges (Belgium) last weekend and planned to get cash out there on the misses Halifax Clarity credit card. However we tried it in a couple of machines and always got a message saying the card was not authorised. We started running short of the cash we'd taken with us so one time it didn't work I then…
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Halifax overdraft
My friend has 2 overdrafts totalling £3450 with the halifax on accounts he no longer uses, and is paying a total of £62.00 per month because overdrawn for 31 days per month and charged £1 per day per account. He banks with a different bank but they did not match his O/D and he cannot clear the O/Ds (therefore paying…
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Foreign debt issues
This is bound to be in the wrong place - I've no idea where it should go! However... Background is that stepson has moved back to USA last year. He's young with no credit history and I signed up as guarantor on his apartment. Yes - I do know the pitfalls...:( His second job was a summer one and when it came to an end he…
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APR confused
How do I work out the APR on my credit card if the monthly rate is 1.4352%? cheers
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going to vegas and i need a cc
hi all. im going to vegas on april 19 till may 3 and i was told its a good idea to take a cc so i can use it in the toel etc. can anyone recomend one? also because im not going to be back in the UK by the first will i need to pay the credit card bill before the end of the month as i dont want to get charged when im away?
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Paying off a card in full - Help!
Hello there, I wonder if somebody could help me. I've read Martin's guides to credit cards but cannot find the exact part I need, or to be more precise, the correct wording. "To avoid interest, make sure to pay off your balance in full." I have received January's statement for £1500. I have put money aside to pay this off.…
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Barclaycard charging interest on purchases made this month???
December's bill came with a balance of £2485.06. This consisted of £1995.06 on an interest free balance transfer and the difference was new purchases. I made a payment of £490.00 which cleared 5 days before the due date - this covered the new purchases and actually took a few pounds off the interest free amount. January's…
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mbna - Don't care wont care !!!!
Last year I opened an account with mbna - to get Virgin air miles, after getting the card I tried for 2 days to activate plus tried on line - no hope:mad:, I did not use the card so I cut it up - safety first :T. Over the past few months I’ve been getting the usual junk mail offer here and there and as usual stuck them all…
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Probably a daft question, but I'll ask none the less
Can you negotiate with credit card company's a lower rate of interest on your account? Without this having an adverse effect on your credit report.
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Mint Credit Reivew Letter
Hi All, Just wondering if you can help me, on Friday I get a letter from my mint credit card, saying how the receision is affecting peoples ability to pay and that there might of been a change in my circumstances and to discuss if they could help to ring the Credit Review Team on an 0845 number between 9 - 5 monday to…
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Confirmation Please! Am I doing this right?
I have 4 credit cards as listed below: * Virgin 6060 balance @ 1.80% interest per month * Tesco 1140 balance @ 1.53% per month * M&S 2135 balance @ 1.59% per month * AA 3127 balance @ 1.45% per month * B/card 6315 @ 1.16% per month I have now drawn a line and decided to concentrate on paying these off by the quickest and…
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longest running credit card and apr reject
Hello welcome all users ,i have been looking at credit report and my longest running card has been three yrs so far barclaycard of course so how long have people had there cards? And apr reject ,what apr would you reject my virgin cc has just gone to 24.9 percent apr!!!!!! So which rate would you reject?
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Virgin Nightmare!
Hi! Can anyone offer any advice or help please?!? I have a virgin credit card with a balance of approx £3,700. I've been paying the minimum for quite a while but not using the card to buy anything. Last week I got a Barclaycard to do a balance transfer from the Virgin to the Barclaycard but when I tried to do this I…
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MBNA and Barclaycard - ARGH!
Hi all, If someone has advice/help, it would be very appreciated! At the moment I have some debt on an MBNA card. It's just over the limit and I shredded the card some time ago. I meet the min payment every month and have (just this second) binned off the payment protection on it. I have a new 0% Barclaycard I'd like to…
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Banks/BS' Still offering ridiculous credit limits...
Hi, I just applied for a Natwest credit card to transfer some of my other balances. They have a 0% for 16 months offer on (2.9% fee) The application took me about 5 minutes to complete and I got a decision there and then. They are offering me a whoopping £14k credit limit!!! I didn't think it was possible to get such…
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Terminology Help Please for credit card mortgage payment
Hi, I am going to call my lender to ask if they take payment via credit card. If they do I am going to ask how they record or report this to the credit card. Am I asking them to make sure they flag it as a 'normal purchase' Reason for asking is I've heard if they flag is as 'cash advance' I get hit with fees from the…
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which card??
Hi guys, I recently began posting on here after being a 'lurker' for a couple of years and have recieved excellent advice and tips so am once again after some help. I have a vanquis credit card with a balance of approx £1400 on it, i just got my free credit report and all is looking good on it - i.e all credit up-to-date,…
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Balance tranfers and rejection
Hi I was wanting to do a balance tranfer of £1100 to a 0% card ideally. No matter what card I apply for I get rejected. My credit rating is excellent on experian. should i try and apply for a lower interest rate card instead of a 0% one. I currently have an egg card with £1000 on it at a 0% but am unable to transfer…
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Credit card for points
I'm thinking about getting my first credit card. As I already bank with Natwest I'm looking to go for their World card. I also want to try and get an Amex Gold card as I dont qualify for the Amex BA card. But am I spreading myself too thin as I should only have 1 card to maximise my point gathering?
