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prepaid credit cards
I need some help deciding on a prepaid credit card to make a specific purchase via internet. I am only in the UK for 1 1/2 months and wont probably be back again for at least a year. There are monthly fees of 1 GB pound so presumably I will be charged 12 GB pounds for the year plus any other fees. Then what happens? The…
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Damaged Credit Rating?
I'm 20, I have had a few credit cards and i have always managed them well and paid them off without paying hardly any interest. A problem came up when i forgot to cancel the cards i was not using, that had no balance on them. Therefore i had 5 credit card accounts active but 3 of them were dormant and 2 of them i had a…
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30% Theory, any truth in it?
Read an article on credit cards which mentioned that your credit card balance should never ever go over 30% of what the limit is. It even went as far as to say that big purchases should be spread across different cards so you don't go over the 30% mark which negatively affects your risk assessment. The article was however…
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ccj removal
new on site please bear with me. had a ccj by default issued against me on 24/1/2011. said if i pay amount in full within one month it would be sorted. sent cheque by recorded delivery on 10/2/2011 was delivered on 14/2/2011 and sum taken out of my account on16/2/2011.thought it sorted until was refused credit because of…
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0% cash advance??
Can any one clarify what happens if.............. I take out an expensive high interest rate cash advance on card "a" And then do a 0% balance transfer of the above ontpo card "b"???
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Balance transfer
Might be a silly question but can I transfer my credit card balance onto my wife's card.?
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Joint card - who pays the bill by direct debit?
If one has a joint credit card (e.g. a credit card with additional card holder) who can make payments by direct debit? Mr Bloggs (main card holder), Mrs Bloggs or can even A.N Other complete their details on the direct debit mandate?
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Unauthorized transaction on credit card
Where to start! We rented a car from AVIS rent a car in greece, we bought an damage excess waiver which covered us from paying the 900 euro excess should we have a prang. anyway, we get out of avis in greece, drive down a one track road and go head on into another car on a bend. straight back to the hire car place and get…
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credit card payment question...
Hi all Im hoping someone can help. I'm trying to do a budget for the next few months and my credit card bills all come out by dirrect debit. But the dates seem to change...how do they work it out? Are they every 28 days/4 weeks/set date? My pay goes in on the 19th of the month and it's a struggle trying to work out which…
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Egg cashback card
Hi, So I still have and use the egg cash back card. Does anyone know if the cashback will be paid out in March 2012? I have a fair bit of cashback stored up. I believe the card will be changed to a barclaycard at some point and as long as the cash back remains I will keep the card as I can't be doing with the 'do you take…
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Triton Credit Services
Can someone please provide me their contact number or email address. Would be greatly appreciated
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Best Card to use in Gibraltar
Need some help here on which of my two cards I should use in Gibraltar. Have a tesco clubcard which I used in Jersey last year and appears wasn't loaded in any way, so might not get charged in Gib. Also have an Abbey/Santander Zero Card which doesn't charge any exchange rate fees, but charges interest from day one. Which…
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Credit Card section 75
Dear MSE I have raised a claim with my credit card company. I bought some software almost a year ago from a company who are revealed to be a fraud. They have been closed down in the public interest by the Official Receiver and I have email confirmation of this. I thought that under Section 75 I was covered if a company…
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Cash Advances and Credit Ratings
Hi Just wondering whether if you use a cash advance on a credit card it will show up when a bank carries out a credit check and if so is it a bad thing? Thanks for any info you can give me.
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Cancelling Cards
Ive just applied for the MBNA Amex CC to receive cashback on Petrol & Supermarkets at 1.5% so thought i'd cancel my old AMEX (Cashback) When explaining the reasons the guy instantly offered an extra 0.5% for 3 months or £20 M&S Vouchers! (£20ish is usually my yearly rebate anyways!) I took the vouchers and I dont have to…
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Is thhis normal in an aplication?
My husband has just applied for a credit card(first one) and they have said they will let us know the outcome withiin 10days! Is this normal? I thought they tell you there and then the outcome of it or am i wrong?
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supercar hire
Hi all Ive recently booked myself a day in an Audi R8 with the deposit of 1500 being paid through my credit card. The merchant has now emailed me to say his card reader is away being fixed and could I either bring the cash (!) or do a bank transfer. I researched this a bit and it seems that credit cards have 'chargeback'…
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Refund on credit card..advice please
Hi I've been advised by friends that I can request a refund for the money I paid towards a holiday on my credit card. My friend booked the holiday last year and I paid £150 deposit in cash to my friend. I paid the remaining £ 424 on my credit card in February this year. However my mum was hospitalised on 28 April ( was due…
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Borrowing before starting work
Hi everyone, I have just graduated from my degree and am starting work in September. The problem is that I am going to be short of money to pay bills between now and when my first paycheck arrives (end of September), and it is difficult to get a part-time job given that I only have a month and a half available. I am hoping…
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0% credit card for lower incomes?
Hi there, This is my first post on this forum, although I do visit often for the advice :) Apologies also if this has been asked before... I did do a search and look through the recent posts, but I couldn't find anything. My partner and I are both artists, and earn enough money for us to live comfortably (although the…
