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Advice pls - transfer 3 x cc to new card - large balance?
Apologies in advance if this has been asked several times on the board, but I've tried searching & can't find that this specific query has been raised... I have 5, yes 5, credit cards currently, which I have not managed particularly well. Now that I am actually trying to do something about the balances & not just make min…
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Barclaycard 6.9% LOB ?
Does anyone know if Barclaycard still offer the 6.9%LOB to existing customers ?:)
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Educated Advice please
I am hoping someone can help me with this one.. I have a Barclaycard Platinum Visa, Ive had it a while. From what I can tell the interest is 0.553% . On a balance of £2164 I pay roughly £11 interest each month. Having spoken to Barclaycard who were non too helpful if I transfer the remainder of the balance from my other CC…
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Newbie credit card help needed!
Good evening all, Am a huge fan of this site and knew that you all might be able to give me some good advice! Have never had a credit card before and need to get one in order to pay for flights for a much needed summer holiday as not enough in debit account. It's going to cost about £1200 and I was just wondering what the…
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Nectar Card registration impossible
Has anyone else had problems registering on the Nectar loyalty site? Me and my partner have had 8 attempts, and have certainly put in correct details - but have been booted out each time. Seems the site is faulty - a shame because you have to sent detaiuls in by post and wait 28 days toi be eligible for points. Or maybe…
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Closing Credit Cards
Hi; Due to continual use of credit cards we have taken the decision to close ours down (all have balances) but will be at least paid off at a set level (over min payment) and thus not be able to be used. I've just got a VANQUIS to allow some credit for emergencies as im self employed (fuel etc then pay off in full) but my…
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Am I being ripped off with lloyds here?
Hi All, Basically In December I took out a Duo Lloyds Amex/Mastercard online as hubby has also an airmiles account; thought it would be good to collect for our travels. Anyway, got accepted, and had a £3K credit limit for both cards. Used my cards, had 1 cash advance (yes, I know....but I had to for a reason) And before we…
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Halifax Clarity - how long for cash withdrawals to show up on the statement?
Hi All I'm heading to Sweden next month and will be using my Clarity card. I'm going on Friday evening and hope to make a cash withdrawal and will be back Monday. I'll be staying with a friend and wanted to pay the cash withdrawal asap thus minimising interest charges. My question is how long before the transaction…
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Should I get Vanquis too...
I currently have a Capital One Classic card which I have been running for about a year, always pay off in full each month by direct debit. I just received a letter from Vanquid "inviting" me to apply for a card from them too. Do you think this is worth doing to further improve my credit rating? I have one settled CCJ,…
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Amazon MBNA credit card new terms. April 1st £25 min
Just got the letter about new terms from April 1st 2011. Min Payment £25.00 or 1% balance. No not an April fool...
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Will having my banking registered at my parents address affect my credit rating?
I live in London but all my banking is registered to my parents address in Cumbria. I am looking to make a mortgage application and wonder whether having two different addresses will affect this at all. Any advice would be appreciated.
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Credit card accepted my token payment -now what
Hi I was just wondering my credit card companies have accepted the offers for CAB for only £1 token payment. I haven't yet made any payment but i was wondering if this was the best thing to do. i know it will affect my credit rating but i have looked on equifax and two companies have already put arrangement to pay on my…
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Credit Card Interest Refund!
Hi, I wonder if anyone can tell me my rights. Around a year ago Halifax tried to rate hike me from an already high 26% to 30%. I rang them and they advised that the letter was sent to me in error and no increase would be applied to my account. However a year on I have in fact realised that my rates were increased to 30%. I…
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Santander 0% offer recieved in post - would they have credit checked me in advance?
Hi; I recieved a santander application / offer today for a 0% card. I had believed that before sending these offers to people, cc companies would 'soft' check a persons credit score in advance. Is this correct? I am unsure since my credit score is currently poor. Also, if I did apply for this card to transfer debt from a…
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Debt letters in my name but never had credit with them!
Hi all, Just after some advice...my girlfriend had a letter today saying she owes almost £600 for an old credit card debt with lloyds tsb. The company who have sent the letter are legitimate and are a company who purchase debts from banks etc. The only thing is its all in my girlfriends name and our address and apparently…
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When do Aqua decide my limit ?
Heyyy, I've just received a letter telling me i've been approved for an Aqua card.All i need to do is sign the credit agreement and post back. My questions is ..When do they decide my limit ? If I phoned and asked will they tell me or is it decide once they have my signed agreement ? It would be nice to know my limit…
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Credit Card Cancelled - Help!!
Hi My husband has a CC with HSBC, before Xmas we were struggling for money due to him being self employed and not having much work, so he rang HSBC to enquire about reducing his monthly payment for a few months. At no point did he say he wouldn't be able to make his payments. HSBC only gave him one option and that was to…
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Airmiles
Is there a credit card that could earn me at least 3000 miles by July this year? :j
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Credit Rejection Help
Hello everyone, just joined the site so apologies if this is a question already answered somewhere else. I have a credit card with halifax, in the beginning it was 0% interest for X amount of months. Since the 0% finished, the interest rates continue to keep going up. I have tried 2 or 3 times over the last 2 years to get…
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MSE News: Nationwide revamps credit card with new overseas perk
This is the discussion thread for the following MSE News Story: "The society will re-introduce no commission on spending anywhere abroad – but with a big catch ..." Read the full story: Nationwide revamps credit card with new overseas perk
