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Balance transfer
Hello my friends, I need your help / advice once again. I have just phoned HSBC to see if I can transfer £1,000 of MBNA card (34.9%) to the HSBC card. The guy on the phone said no as there are no offers available at present. I thought I could transfer the balance and not necessarily have a lower interest rate but just the…
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Supossed Credit card debt
Hi. My wife has just received a letter from a credit reclaim company asking to contact them urgently. She called them and they say they are dealing with a credit card debt of £1000 and offered to settle for £650.00, to which she replied she was unaware of any such debt. Now my wife hasn't had a card for 10 years before we…
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MSE News: Amex promises application delay probe
This is the discussion thread for the following MSE News Story: "The credit card giant has pledged to review processes after complaints of lengthy delays when consumers apply ..." Read the full story: Amex promises application delay probe
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Moving the USA with CC debt.
I'm moving to the USA in 2 weeks with a job transfer. However, in the last few years I've racked up about 15k on credit cards.:eek: I'm in no way struggling to keep up payments, but now is the time to start dropping this amount. I joined XE.com, to transfer my US wages into my UK account to keep up payments. I also won't…
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Egg
Hi A friend of mine wanted to enquire as to if he has a egg card could he also apply for the egg money card as well, or would he have to cancel the one. Also would it require another credit check or not? Thanks
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Is this possible?
I owe £3000 on my credit card, hubby owes £600 on his - we'd like to get a lower Apr card or even a 0% deal, but because I'm not working (stay at home mum) I know I owuldn't be accepted for a new card. If hubby takes out a card and adds me as a named user, would I be able to transfer my balance? Does anyone know? Thanks!
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Credit card for the first time
Hi was wondering if anyone could help clear a few things up for me.. I'm 20, a student working part-time and I need to borrow around £1,000 so have started considering a credit card. I'd obviously be looking towards getting a card meant to be for 'poor credit' or beginners but I just dont understand how it all works, for…
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Just accepted for a Virgin 0% balance transfer C/C
I used to have a crap credit rating....had a few defaults etc...years ago. Cut a long story short paid them all(i know its stays on yor file for years afterwards) Slowly managed to build my credit rating up...got a Vanquis card, Capital one and RBS c/c. All paid and up to date...had £500 O/S on my Vanquis and saw the…
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Repeat offer from NatWest
Hi guys, Anyone recently got good repeat offer from NatWest credit card? Before Christmas I got letter through saying that I can get 0% BT (with charges) for 6 mths, but I think that offer is now out. I am sure if I call them they will give it to me still. But do you think I could negotiate better? Anyone has recent…
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Money taken from card unauthorised
This has really stressed me out. I am away in South Africa doing voluntary work. I got an email saying that my credit card (M&S) would be taking out the minimum payment this month which I found bizarre as I had spent no money on it. I checked and Bell Car insurance have taken a payment for £1500. I did have Bell car…
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Orange Mobile
I have had an Orange contract for a number of years and upgraded to a Nokia 5230 4 months ago. Due to various faults with the handset - screen freezing, randomly redailing last called number, handset switching off, poor internet access - it was replaced by Orange on 2 occasions. When the faults persisted for the third time…
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Rate increase after claim - coincidence?? Is it fair?
I've just had a letter from Halifax to say they are going to increase the rate on my card from April - yet i'm just wondering why? I recently put in a claim for an internet purchase where the goods never turned up and despite the company agreeing they hadn't sent the goods, cancelling my order etc, never refunded my card -…
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Advice needed
Hi all, Although I have spent the last couple of years getting myself out of credit card debt, this situation has arisen where I have had to purchase a second hand car on a credit card. I am not looking for advice on this as it is the only option I have, but after a couple of years on MSE, I feel confident that I can clear…
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Looking For A Credit Card
hi all. girlfreind is currently looking for her first credit card. her income is approx 8600 a year. we both live together, with a mortgage on our newly bought house (although i pay all bills) i've checked my experian credit score and it says its 999 so full marks on that. however my girlfreind has only been with halifax…
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credit card of my own!?
Hi I wonder if anyone can help? I am seperating from my husband, and our credit card/s are in his name, with me as a registered user. Am I likely to be able to get one of my own? I don't work ( have various health problems) but live in a very rural area, and at present pay for everything on the card, and pay it off in full…
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Pre paid credit card for travel in japan
Hi , I wonder if someone could guide me. I have a pre paid credit card for virgin, its a mastercard. I have been trying to use it on a web site to pay for accomodation in japan but keeps getting rejected. my question is has anyone ever used this sort of credit card in japan ? or on the website called rakuten travel ??…
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Santander Zero Credit Card
Hello, I've got a Santander Zero credit card - am I right to say that if my a/c was in credit, for say £200 & I withdrew cash to the value of £200 from an ATM whilst in Hungary,would I avoid any interest charges? Cheers, Wilbs.
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Credit Card
Hello Guys Need some help here, in August 2010 I was made reduntant and was was given reduntancy pay which wasnt a lot. Do I pay off my credit card or put it into a savings account. Please help:) Steve
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refund on credit card query
After a bit of a wrangle, I have had a £750 refund paid into my tesco credit card which is great:beer:. Problem is, it arrived about 2 days after that statement month ended, so they are asking me to pay e.g. £1000 which but would it be ok to deduct the £750 and just pay the outstanding £250 on this months statement, now or…
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Barclaycard - "Offer Expired"?
I applied for a Barclaycards Gold card recently and just received a letter saying that "unfortunately the offer you applied for has expired". What does that mean? I had previously received a letter saying that I was provisionally approved and that I had to mail in 3 documents and a signed form. I did this well before the…
