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Need suggestions to get cash off CC at purchase rate
Hi Thanks for looking - I want to transfer £4000 from my Virgin CC (14.9% apr) to my Barlaycard (6.9% apr) because I will pay less interest this way. BUT Barclaycard would not let me transfer the balance... So I need to find a way to get the debt from the Virgin card to the Barclaycard. I can't do a Money Transfer from the…
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Santander student credit card - Chance of getting accepted?
I want to upgrade my Santander current account to a student account soon. They also offer a credit card which I'm interested in getting to use to build up my credit score for the future. I checked my credit score on experian and my score is around 880. Is this score good or bad? What are my chances of getting accepted for…
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How to calculate rep APR on Sainsburys Gold Credit Card.
I am looking at getting the Sainsburys Gold Credit Card. From the Sainsburys page: Interest free credit The added benefit of interest free credit on cash and purchases at home & abroad if you pay your balance in full and on time each month. Your purchase rate 9.94% p.a. variable. With a representative 20.1% APR variable.…
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credit search
When you check your credit file do they check the searches made under your name or just the address you used when you applied for credit. thanks.
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Santander zero credit card appication
As a Santander mortgage customer I keep getting letters about their cc's and balance transfer deals that they offer. I decided to apply online and have been given a reference Number for my application. Does this mean I have not been auto-accepted or is this normal?
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Aqua Card - have we definitely been accepted? (screenshot provided)
Other half applied for an Aqua card, went through all the application stages, waited for about 30 seconds for a decision and got this screen (attached) I know this would suggest that indeed we have been accepted and this may be considered a daft question but the question is, is this full acceptance and confirmation or a…
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Thoughts and advice sought.
Been lurking for a while on these forums to try to figure out how to best fix a situation and seen the support and advice given by the good folks on here so thought I would seek some advice too. Basically due to the OH being made redundant for a goodly while (now has new job thankfully) we have racked up approx 33k of cc…
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n00b question about minimum payments
Hi, ive only used my credit card a few times and ive paid it off in full each month, but now i need to spend £400 on it now, and i cant pay it off in full until november. so if when i get my bill can i set up a minimum payment then in november ring up and pay it all off?
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First credit card
Hi all, im 23 never had a CC before, ive had a few small loans in past all paid off, the only outstanding debt i have is for a watch which is intrest free and costs me around 25 a month.in near future im hoping to get a mortgage however ive been told by my bank natwest getting a CC would help me build up a better credit…
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Lloyds TSB Amex Duo - Outsourced CS in last week - steer clear!
Dear All, This is my first post on here, although I have read many posts over the years. I am so incensed at what's just happened that I wanted everyone to know as much as possible so that you can either stay away or, perhaps, transfer your balance. I have used the Amex Duo cards since they came out and have found them…
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Post Office Online Fraud Protection any?
Looking at the Post Office Online Savings protection (for example, "MySave Online Savings") I can not see any words to the affect "if you innocently suffer any fraud as a result of our Internet service, we will refund any money taken from your account." I have read the part that states what the saver can do but the saver…
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Are Virgin right or wrong?
I have a number of cards and use them according to offers. On the 7 Dec 2010 I had a flyer from Virgin telling me any purchases under £250 before 28 Feb would be 0% until June 11 statement and any purchases over £250 would be 0% until Sept 11 statement. I started using the card including a purchase of £2200 on the 22 Jan.…
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Is This Legal
I hope you can help, I hire vehicles regularly from a company and have an account with them which I try to clear by cheque, as and when, they say I must clear within 30 days. (not unreasonable). Once, I paid for a vehicle with a credit card and then a couple of months later they cleared the account I owed them using the…
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Web-billing.com - Fraud?
Hi, I have just been looking through my credit card statement and found £44.67 debited to a company called web-billing.com with some kind of account number and 69.90 US dollars with the dollar rate. I was wondering whether I had overlooked some bill but I can't for the life of me remember getting something from the USA…
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credit report help!
hi guys just looking for some advice really. my partner went to finance a car during the week and got refused. strange as he is really good with his money. we got a credit report done online and his dads debt showed up under his name (as they have the same name) is there any way we can fix this? thank you! :)
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Is this common practice????
I phoned Cap One to reduce the Credit limit on my credit card. I opted out of the interest increase so the account was stopped and I have been paying off the remaining balance which in a couple of months soon it will be gone :D But i wanted to apply for a 0% card to transfer my BoS Card over to save interest but was…
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Tesco 0% Credit Card - declined
Hi, the boyfriend applied for the 0% card today and was declined :( Thought this was strange as he's never been in debt and never missed a payment on his credit cards. He called tesco and they said "you've Probably been declined for a card in the past 8months" (which he hasn't) We got a free trial with equifax and as…
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Virgin CC
Hi all, last year I took out a 0% Virgin CC and transferred over my debt to it. I believe that the 0% only lasts for 12months and I will again have to transfer it the debt to a different 0% CC. Iam struggling to find when my current 0% period ends, can anyone offer any advice? Many thanks :)
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1st credit card, would like some advice!
I have eventually got a credit card, it is the ''lloyds platinum mastercard'' If i set up a direct debit to pay back any monies in full each month, will i be charged any interest? I understand that the 1st 3 months is interest free, but am not sure whether I will be charged interest afterwards. Thanks in advance Stephen
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M&S credit card
I have had an M&S credit card for a couple of years but this year got the HBOS reward Clarity card and MBNA AMEX cashback card as figured i would get more back from this. Does anyone know if i am correct in mixing my spend between the above cards i.e. when i spend £300 on clarity start using MBNA will i get more back than…