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Need advise to choose the best credit card
well I am a new home owner having purchased a property this month. My credit rating is poor but still the bank accepted mortgage offer due to the fact that my oldest account is 6 years and 4 months old. There has been couple of mobile contracts from my accounts and the payments has been made on time. Only problem that i…
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Barclaycard - Still Waiting
Hi guys, My OH applied for a BC and was accepted. He received an email on 5/04 to advise him that he would receive the card within the next 10 days. Fast forward and he received his PIN on the 11/04 however, still no sign of the card. Should he be worried, or is this normal? Thanks in advance. :beer:
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back of sofas
has anyone tried looking down the back of the sofa, i found 3 pounds yesterday and 4 pounds today, i think thats a 25% profit by my maths, im going to look again tomorrow. my projected turnover is about a tenner by the end of the week. should i go on dragons den??
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Can Wells Fargo Force The Sale of My Property?
Hi, Any help on the enclosed matter would be really appreciated. I mistakenly missed 2 monthly token payments of £2.00 to Wells Fargo credit card (the only one of several that I forgot to set up a standing order with). In March 2011 a charging order was placed on my property to the value of £6,492.40 for the outstanding…
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Lost tickets in the post - Can I claim back on my Credit Card???
Hi all, I purchased two tickets for the horse racing on my credit card back in January for the upcoming Bet365 Gold Cup day on Sat 23rd April. The tickets have not arrived and the response I had from The Jockey Club is that I choose Standard Mail, so they were sent at my own risk. Therefore they cannot replace/cancel and…
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17 yr old debt!!!!
hi all, can any one tell me if a 17 yr old credit card debt (2600 quid in 1992) is still owed, i tried to pay some off in 2007 (around 1k) and then the CSA took me for 24k in the last 4 years,leaving me pennyless! now i have cleared my CSA debt i am now being chased for the remaining amount for the credit card, does the…
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Balance transfers
Hi,I am looking for some advice. I am trying to clear 2 outstanding credit cards. I have applied for new credit cards to do a balance transfer and have been accepted. The only problem is that when all the forms come through the balance transfer has been declined as the outstanding balances both belong to MBNA and therefore…
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M&S 0% SBT -> Sterling Travellers Cheques
Hi all, Im after some advise from anyone thats used the Sterling Travellers Cheques method for a 0% SBT on the M&S credit card. How easy is it to deposit the cheques straight into your bank account, i have asked HSBC and they said there is a 75p charge per cheque. Can anyone comment on any banks that don't charge or the…
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Cancelling Cards
I have been playing the credit card tart game and have 2 cleared cards that I haven't closed. How do I go about it? If I write to them do I have to return the cards or just destroy them? Also, where do I get addresses from? I haven't kept any of the paperwork. Thanks
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Don't want to make a vanquis mistake ?
Hi, story so far in process of building credit rating and recently gained 1st credit card with vanquis no jealousy please:rotfl:just about to activate card and wanted readers confirmation that my understanding is correct 1.£250 limit probably spend recommended 10 to 20% of limit per month approx £40 and then clear in full…
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Halifax easycash account extremely expensive to use online?
I would like to be able to use a debit or credit card online and preferrably also for buying things online in other currencies. I have found it quite a hassle to get a proof of address so I was thinking of getting a Halifax easycash account but the price of 1.50 pounds for each transaction online plus bad 2.75% exchange…
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Halifax Clarity Credit Card
Hi, Just got a Halifax Calrity Credit Card for travel purposes. I want to top it up before I go away? Is this possible as a friend has told me I won't be able to have a positive balance on the credit card?! Is that true? Just thought I could go into Halifax and "pay off" £2,500 on my credit card and have a positive…
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payg cards
Hi everyone. Im currently suffering from a poor credit rating :( Im wondering whether to get a payg credit/debit card for online purchases etc. Are they worth it and can anyone recommend any good ones at all?
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Paying off Barclaycard advice pls
I have been paying off my barclaycard for the past two years, the account was cancelled and I have been paying off as much as I could ever since. Today is a great day as I have just paid the last bit, just want to know if that is actually it! e.g my balance at the end of march was £176.94 payment due by 21st April and…
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Credit limits to income ratio...
Don't want to sound like I'm boasting... ;) but just to let you know it is possible to have available credit far exceeding your annual income... In January I had £9,600 available on my £21,500 annual salary. (Considering I only get my mitts on about £15K of that after taxes). End of January, Barclaycard doubled that with a…
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payg cards
Hi everyone, Im suffering from a poor credit rating and am thinking of getting a payg card with a credit rebuilder benefit. Is this a good idea and can anyone reccommend any cards?
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How do I consolidate?
I have several cards which I want to consolidate or BT to one account. I have 5.9% LOB with barclaycard but they wont increase my limit to accept the BT's due to 'high levels of borrowing from others' I have tried explaining that I would simply be shifting borrowing to them and closing other cards so there would be no…
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Capital One Credit Card - Payment Protection activated
Hi I wonder if anyone can help me before i ring up Capital One. My Husband is currently off work due to long term sickness and he is currently having his Capital One CC being paid under the insurance cover he took out. AXA insurance made the first 2 payments to our account in March with a third being paid next week However…
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Card Protection on Egg Card
Hi, I recently checked my current account to find a paymnet of £90 to my egg card, now normally I never use that CC and have it set to pay off in full so was pretty surprised! After checking my Egg statement I found this: 20 Feb 2011 CARD PROTECTION 08448 482908 £89.99 DR I contacted Egg they told me that it was from…
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Unfair Barclaycard interest charge?
I cleared my Barclaycard balance last month (£130) and spent £207 on it since then which is due to be paid, in full or part, on May 7th. Even though I paid the balance in time last month they have still charged me £1 'standard interest rate'! Does that mean if I pay in full each month they will charge me £12 over a year?…
