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0% Purchases question
Hi all, Sorry, bit of a daft question I'm sure. If one has a 0% purchases credit card (which one has left a balance of X on for a while for some stoozing), and this 0% expires on, for arguments sake, 1st September, and their due date is say 15th of the month, I assume one would have to pay off the full statement amount for…
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Transfer between cards in order to pay off overdraft - is it a good idea?
I have an overdraft and credit card with NatWest and a Vrigin CC. My Virgin credit card is in credit by a couple of pounds, and my NatWest CC has about £500 on it at 0%. My overdraft is £400. I phoned NatWest to ask about transferring my overdraft to the CC on a 0% deal. (Most companies don't offer this, but if you don't…
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Advice sought!
Hello everyone! My situation is a bit strange. I am a Swedish national that have recently (January 2011) moved to the UK. My reason for moving here was because of a work placement through my Swedish uni however, I have found that I am enjoying my stay here and would like to remain. However, as I started going through the…
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£50 M&S Voucher - Amex retentions
Hi everyone, Just thought I'd share a tip with you, was sorting out a bit of financials today, and came to cancel the AMEX platinum rewards card which I took out over a year ago and have just had my reward money paid for. I was transferred to the card satisfaction team, and offered a £50 M&S voucher if I remained as a…
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euro cash w/d & prepaid cards ?
hi all. i usually draw euros from the atm`s in europe using a nationwide debit card but they are now charging for this so im wondering if i should look at a prepaid loaded card like fairfx ? anyone here have any recommendations as to which is cheapest & best rates usually ? nationwide are charging £1 per w/d + 2% i…
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Spending Overseas
I'm going to NZ and will need to pay for stuff on credit card whilst I waiting for an NZ bank account to be set up. I will also want to accesss my UK current account to get cash. Any advise on the best cards/accounts to do this? I'm thinking NandP Current account for free overseas cash withdrawals from ATM's and a Halifax…
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Visa Chargeback worries
Hi, I booked flights on my VISA debit card back in February, to fly in August. The holiday company phoned me two weeks ago to say the flight had been cancelled by the airline and i could have a refund- Fair enough. I have still not received a refund, they dont reply to emails and hang up when i ring- they are one of the…
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Debt collectin agency want my money
Hi, My problem relates to insurance policy I took out in 2008-2009 with TESCO car insurance. I sold the car nearing the end of the policy and sent a cancellation letter of the automatic renewal they write into every policy. Months later I receive a letter at my postal address -where i do not live- from my credit card…
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There is no Money
This maybe news for you but there is no money, it is all worthless pieces of paper, it is time to wake up, what backs a 5 pound note? the answer my friend is nothing, your signature is money, you make the money, when you sign an agreement that agreement is the money, the bank montize that agreement, then they are allowed…
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Able to repay
Hi, I am now in a position to repay all my credit card balances in full after many years of struggling. My question is I have heard of people offering credit card companies less than there balance and clearing the debt in full is this a mith?
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Credit report - Govenment search, under type titled Audit?
Hi there, I was hoping that someone could help clarify one of the footprints on my credit report. My credit report and file was obtained through checkmy file, in the "searches" section of the report, I noticed a search which under the organisation was titled Government. The type of search was Audit. I found this quite…
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Credit Searches Question
I have 23 searches on my credit file (awful I know but I entered my details to a broker who handed them out to different companies who all flipping searched) Eight of them are due to drop off this month...three are supposed to drop off today...but haven't. Just wondering if they will go or not? Its been 12 months?
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Credit card help
I have a credit card that i used for the first time in 2005, and again last year. I have probably used it for small purchases about two or three times between those times when id forgotten my bank card. The debt is only £650, but shortly after i first used the card my husband was ruled medically unfit for work. I am a…
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New Cashback trick?
Hi Just received my Natwest 2% cashback debit card. I was thinking about just buying everything on this now, as opposed to the Egg 1% mastercard... but (and forgive me if this has already been discussed on here..) surely it makes sense to keep spending on the Egg mastercard and then continue to pay it off in full each…
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Egg - what are the downfalls?
We have a large amount of credit card debt (due to family illness etc) and have cancelled the DD on our Egg card. They called DH last night as said this months payment was £30 short and there was no DD set up. DH explained that this was because we didn't want to use the card anymore and would make payment over the internet…
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Captial One ends o% offer Early
Capital One Classic - Ends 12 July3 months 0% spending, can get it even with CCJs. Not sure if this has been noticed else where, but the Capital one Classice 0% offer has been pulled from the website a week early by the looks of it... Grrr silly me not looking on here often enough. :( And its back on again......maybe some…
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Impact of searches on credit rating
Just thought I'd share an experience - mother wanted a new 0% card so got her one, Saga Platinum in the end (as she wants to do a small bal. transfer and make some purchases - new kitchen and bathroom prior to selling up), but noticed: Last friday - 0 searches in last 6 months and 2 in last 12. Checked Barclaycard…
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Nationwide 'Rewards for abroad'
I have a Nationwide Gold Visa card. I am about to put through a £2,000 hotel booking in Indian rupees. I will be away from Sunday until September. Can anyone confirm that I get the commission-free purchases until July 31, then 20% of whatever I've spent after that, as an existing Gold visa card holder?…
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Barclaycard Platinum
Hey guys, Just applied for the above card. It said decision in 60 seconds but when i submitted it I waited for a bit then it said they need to review it and will be in touch within 5 working days. Is this usually a bad thing? It's not like it is a straight no. Thanks
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Equifax Payment History "Query"
Hi, Not sure where to post this - any guidance most welcome! I'm keen to sort out some credit card debts - maybe look for 0% deals etc. Thought I should check my credit file first. Registered for a free equifax report and two things stick out. 1) two organisations (mobile phone provider and a catalogue shopping company)…
