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Best Balance Transfer for Student
Hi There I am currently on a RBS card which I used one summer a couple of years ago during a lack of funds during the summer vacation. I've accumulated around £300 of debt on this credit card and have just been told the rate is going upto just over 20% on this card. I'm in the final year of university but am looking to…
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Why credit companies aren't prepared to help customers?
So, there I am, got a little debt as most, and I wanted to manage my money better as I'm getting to the point where I might have to contact all my creditors to arrange lower payments. So I have a credit card with Virgin / MBNA and see that they are offering 0% on balance transfers and very low interest. So I apply, and get…
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My first post and I need HELP!
Hi all, nice to meet you. I'm looking for some advice. My partner got himself in a cycle of the dreaded car finance when we werent together. He kept changing the car before he had finished payments and now, years down the line, we have a 1 year old and another on the way. The car he has is unsuitable and we desperately…
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Is Verbal Authorisation Legal for a Company to charge a credit card with £885
My wife recently gave her longcard number to a company who she was thinking of using to appeal against a credit card debt. They asked for the card number to verify who she was and to see if she was eligible. Next Day without her knowledge......you guessed it....they charged £885 to her account. She did not sign or return…
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mbna credit card application declined
Hi all, This is my first time using this forum but I hope someone can help. I have recently applied for a credit card for the first time. After reading info on this site I applied for mbna visa cashback card and has no debts and wanted to earn cashback. Applied online and few days later had a letter stating been declined.…
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Balance Transfer Help!!!!
I have a barclaycard whish just isn't moving! I'm not struggling with the payments and throwing so much money at it and it's going nowhere! Just want a bit of advice on doing a balance transfer - me and my partner are wanting a baby in the next 2 years and I want rid of this card! With balance transfer does the fee get…
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Which cards are best for offers?
Hello to you all, I will shortly be clearing the balances on 3 credit cards but before I go ahead and close the accounts I was wondering which of the 3 companies are best for offering future balance transfer deals or customer loyalty deals? The cards I will be paying off shortly are: Halifax one card APR 15.9% Current…
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Sainsburys Credit Card - Avoid
Picture the scenario. You make an on-line payment on the Sainsburys credit card website on 21st March. The funds are credited to your account on 22nd March. When do you think the available credit gets updated so you can use the card again? 22 March? No - 31st March!!!! Of course you are not told this, the advice when you…
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Applied online bank of scotland for credit card how long to hear ?
Hi all few quick questions story i have applied for a credit card through my bank which is bank of Scotland for all in one card i have no ccjs and my credit expert report and the other site are up to date and correct in past few years just had 1 late payment on mobile bill but all in all all accounts up to date or paid off…
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Unauthorised debit from credit card by RAC?
Let me quickly explain my situation. I returned to live in New Zealand in August last year after living in the UK for a few years. During this time I was a member of RAC. I thought that I had cancelled my membership when I left the UK, but it appears that I didn't (doh). All of my mail to my previous UK address was…
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Being sued - impact on credit rating?
I've had no problems getting credit when needed, have a mobile phone contract and everything is paid on time. I've had a dispute with a builder and he is threatening to sue. He has said that this will affect my credit rating. The amount is likely to be around £900. I'm happy to turn up in court and argue my case. If I…
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Balance transfer at high rate
As an ex-bankrupt (clear for almost three years), I am quietly going about building my credit score again and have had a Vanquis card (no surprise there!) for a while. I'm pleased to say that I'm managing it very well - paying off the full balance each month. However, I've also taken a Capital One card. The thinking behind…
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Barclays Contactless Complaint - am I nuts?
Hi all, my first post so be nice! Really interested in peoples views here - am i nuts or is this bank being irresponsible and not upfront with customers.... Barclays has research information that shows that customers using the contactless card technology (which allows quick purchases upto £15) will tend to spend MORE per…
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Halifax Clarity Reward Card
I opened this card and made my first purchase on 16 February. I still haven't had a statement generated. Should I call them and ask why? Has this happened to anyone else?
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Egg Money
I just discovered tonight that Barclaycard are to take over all Egg cards. As an Egg Money customer, I currently enjoy 1% cashback. Does anyone know what will happen to this after the takeover?
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Ipod Touch 4thgen 8gb - finance
Hi guys, not sure if this is in the right place or not, so feel free to show me where it is meant to be! Basically it is my partners birthday coming up so I want to buy her a Ipod Touch 4th gen 8gb, so I was looking at them and having a player with them earlier and want one myself now! The problem is I can't afford two in…
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Paying off a card
Hi Noob on here with a pressing question. I have the cash to pay off a 7k credit card and I am not in financial trouble. People have told me in the past that if you ring a credit card company and tell them you are in trouble and then offer to give them a lump sum that is below your balance they will sometimes accept the…
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Pay for Car Insurance using Credit Card
Hi all I have no idea about credit cards. I've never had one and I'm a little scared about getting ripped off! However, my car insurance is due next month, and the price has shot up. Normally I would pay it in one go, but I just can't afford to do that this year. However, I don't want to pay the ridiculous rates of…
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American Express - Weird Check?
Hi all, I've applied for an American Express Corporate card cause our company wants me to have one but my credit isn't exactly brilliant. When i've looked on my report when they have done the search it says this: Searched on: 22/03/2011 Searched By: AMERICAN EXPRESS EUROPE LIMITED Application Type: Identification: Generic…
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Amex MBNA card
I tried filing in an application form for this credit card and each time I click the "proceed" button nothing happens. Is anybody else experiencing the same problem? Is it me or is this a problem with the site? Any help will be appreciated Thanks
