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purchase protection if I credit transfer
Hi I am planning a reasonable purchase about £700-800 for a carpet plus all costs fitting etc. With all the worrying news of businesses going under I have decided to pay by cc to get some protection. As I do not have a free interest on purchase card I will transfer the balance to a free interest on balance transfer one…
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Am I able to apply for a credit card yet
Hi, I'm a recent Uni graduate and have signed a contract with a company for starting work mid-august with a salary of £30k+. I've used the Barclaycard pre-application checker with my salary and it says I've got an 80-90% acceptance chance, though my question is am I allowed to state this as my salary as I haven't commenced…
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Can i transfer a balance from a Next Directory card??
Hi.....ive just opened a barclaycard 'freedom' credit card with 0% interest over 20 months in order to transfer some store card balances over. The only trouble is is that after ringing Next for a new card (as my expiry date is now invalid), they are telling me that i can't transfer this balance as it isn't a store card as…
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Direct Debit Charges
I note in todays news that the OFT is complaining about firms charging customers extras when using credit and debit cards. I pay about £4 a month 'Collection Fee' for the electronic transfer of my monthly payment by direct debit to my ISP. Does anyone else have to pay such fees?
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Mastercard prepaid card with quick internet reload
I'm looking to avoid paying Ryanair cards by getting a Mastercard pre-paid card. I won't be using it very often so I need one without an recurring fee and with flexible top-up amounts. The most important criteria is the ability to quick reload, i.e. being able to load the card with a debit payment and having the money…
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MBNA credit card payment query
Hi I hope someone can help me. I have received my latest MBNA Amazon credit card statement which advises I've been issued a £12 default notice and lost remaining 0% on the balance transfer (which I had until November). I have no idea why this has happened and have emailed MBNA on receipt of the statement. I've copied in my…
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which credit card to transfer to clear my overdraft?
I'm looking for a credit card with a 0% balance transfer which I can use to clear my £2300 overdraft. Anyone know of any?
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Credit Cards
Is taking our a credit card a good idea? If so what's is the typical amount of interest I should be paying on it
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weird fraud on my credit card - can anyone think why ?
Hi all, hope this is an OK place to ask this. I got a text from MBNA then a letter saying I needed to contact them urgently, which I did. I was told that somebody had called them because they found my credit card on a train, and then shortly after they declined a transaction (for £5.87 to BEACH HOUSE) because of this…
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To cancel or not cancel cards i don't use?
The dilemma I face is that when I have checked my credit file it scores you on how much available credit you have (among lots of other things of course) expressed as a percentage. It also said that having a low percentage was a good thing, but on the other hand having lots of available credit was not a good thing. General…
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BT Credit Card
We have a BT phone line and a BT credit card, which we use to pay for everything, and the full amount is paid off each month, hence no interest. The card is free and gives discount off your BT phone account, my recent credit card account was about £300 which gave me £2 off my phone bill. The maximum discount you can earn…
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Egg Credit Card Contact
Hi - does anyone have an address for Egg, please, not using the e-mail or secure log in? I need to contact them urgently, but, unfortunately, the log in details I'm using, don't seem to be valid, even though I'm certain that they're correct. I want to write to them rather than phone, if that's possible Many thanks for your…
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Mbna interest increasing while balance decreases?
Can anyone please explain why every few months the monthly interest increases by roughly £30. The card hasn't been used in years and the interest rate hasn't changed. Minimum payment has been paid every month. Thanks
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Use the Credit Card to pay the rent with no direct debit
Hello all. I was wondering if is possible to pay the rent on Credit Card to my landlord if I does not have a direct debit system. Does anyone know if is possible to execute the payment on the credit card in this case ? Thank you in advance.
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Time to end the 'only get a 0% if you can repay before it ends' rule
Hi thought you credit card folks may be interested in my latest blog http://blog.moneysavingexpert.com/?p=10832 Please reply in the links there, not here though
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egg minimum finance charge
I know its been covered before, and i've read the threads but cant get my head round the reasons. I always pay my egg money balance in full and always well before the due date, (although i have a minimum payment DD in operation just incase I slip up).;) I dont understand why i have this 50p minimum finance charge on my…
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First credit card, what limit?
Having never had a credit card before, i know very little about them. However, with the 0% purchase for x month deals kicking about, it could just be what I need. My question is, what is the likely limit for a first time credit card? Are there any rough calculations or does it vary massively? My plan is to buy a new motor,…
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Ryanair credit card
I rather like Ryanair and as long as you know the rules re admin fees etc it can provide cheap flights but you must know the rules! So when I received an advert re their credit card offering up to 5 free flights I decided to research this offer, and find out the rules: I actually read their T&C. The T&C say that certain…
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credit cards- need cash
Hi ive been working part time, and have an overdraft of 2k. ive been offered a new job which doesnt start for a month so need some money to hekp me through till i start any suggestions on who i can use or what i can do? i need cash idealy as iam not going to making perchases with it, would idealy like to use it like a…
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Which credit card?
Hi everyone I'm new here although I have often read the Forum before. Just after a bit advice as maths isn't my strong point! I have a Capital One card @ 34.9% My balance is £500. I also have a Vanuis card @ 34.9% My question is, I will need to put my car insurance on the credit card next month. It's £390. Should I put it…
