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Balance Transfer Question
Bit of advice needed please. I have/had an Egg card which has now transferred over to Barclaycard and am looking at a balance transfer to keep my tarting going. Can i apply for a Barclaycard Platinum and still get the offer they have (21 month 0% etc.) or does the fact I'm already with Barclaycard exclude me?? Thanks in…
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Halifax C/Card Telephone Number
Does anyone know the telephone number for halifax? I had a number for them where the automated system gives you a credit card balance over the phone, but for the life of me can't find it any where. I've been on the website, and the number I'm using gives you all the 'press 1 for...' options, only to end up ringing out! :(…
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credit card death and death
my dad died 3 weeks ago and my brother and sister are sorting out his estate. he left everything to my mum which is about 15000 in the bsoc and an isa for about 3500 with his bank. the bsoc accounts were joint so now are in mums name. however he had abiut 1500 on his credit card and the bank wants to deduct this amount…
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Barclaycard and MBNA Update
I have taken my complaint to the FOS about Barclaycard not given me a true signed copy under section 78!! They will be sending a letter direct to Barclaycard that this is not acceptable and does not comply. With regard to MBNA they have failed within the 12 day period to comply under section 78. I need to wait until 26th…
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Please can someone help me? :D
Morning All, I have a vanquis credit card with an APR of 69.9% The limit is £1000 and due to various problems this month I have ended up spending the limit on the card. I have £665 put away to clear the card but i know this will leave me owing around £335.... If i don't pay this off (and i don't think i can find the cash…
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Call Credit, is this a free service?
Sorry if this is in the wrong place but dont really know where to put it. I am in the process of trying to clean up my credit profile with the 3 companies. I already pay for Experian but decided I would just pay the £2 fee from the others to just get a copy. I have done this with Equifax but call credit didnt have a link…
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neteller virtual pre paid to paypal
hi im going around in circles trying to find this info but does anyone know if i can fund my paypal account with a neteller prepaid mastercard? thx
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Old Arrears- How do I get rid??
Hey folks, so I'm quietly going about being debt free and have been studying my credit reports and finances like crazy over the last few months. A rough outline of my situation is... 8K in debt (was 12k) All my accounts are perfect, only missed 1 payment on a Barclaycard 2 months ago. But in 2003 I was signed up for an…
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M&S interest free period
When does the interest free period start? The moment you apply for the card or when you activate the card? It took M&S at least 3-4 weeks to get me my card from the day I apply for it, if they start counting from the day I apply, it will be 14 months rather than 15 months interest free period... Anyone knows? Thanks.
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Credit Rating
Hi, I have two large credit card debits which I am managing to pay off slowly by meeting the monthly minimum payments. They are slowly coming down but it feels like an endless battle. What would happen if I tried speaking to the companies involved to arrange either a better rate of interest or something to try and keep on…
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Building up my credit rating
Hi all I have no idea if this is in the right place and I apologise if it's not. I am trying to build up my credit rating and have no idea what to try next. Bit of background, I was in debt of around £6k 3 years ago and all that is settled and sorted and my credit reports all say they are settled. I do have a CCJ which…
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Barclaycard temporary limit increase
Hi all, Hoping someone may be able to offer some advice. In May this year, I requested an increase to my Barclaycard balance in order to transfer some balances from elsewhere at a preferential rate. I got a 6k increase agreed by phone and later confirmed in writing. At no point during the phone call, and nowhere in the…
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MBNA CC Return Payment default sum, minimum payment made
I have an MBNA Amex 6.7% APR card with a DD set up to take the minimum payment each month. Last month I changed current accounts and cancelled the DD without telling MBNA. I paid the minimum amount by Debit Card before the due date and they tried taking the minimum amount again. This then failed and they have charged me…
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Got my first CC, do any shops charge extra for using it?
I know that withdrawing from cash machines can mean fees. What do any shops charge extra fees for using it? Eg, when I was going to pay my car insurance, it was £5 more to pay by CC but not fee for by Debit Card.
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Halifax Clarity Credit Card - Refused!!
I applied for the Clarity Card last week as it was rated on this site as the best for travel and spending abroad. My daughter has recently moved to New Zealand and I am going in the next couple of months for a visit. I was told by Halifax that one or more of their criteria had not been met, so I took my free trial on…
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Credit card refunds
Why does it take so long for a credit (refund) to appear on my Capital One account. If I buy something, it shows in the "pending" items almost immediately, whereas a refund made this morning does not even show as "pending"?
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My AA Credit Card –Mislead, misold & now miserable! Fake 0% promotion, help?!
I took out an AA credit card last year for transferring another credit card balance. I have never used it for purchases and pay off amounts monthly using the online services. A few months ago I noticed on the front page of my ‘Account Overview’ in black and white there was an advert for ‘my promotions’- 0% on balance…
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Credit Card snowballing?
Hi, Wonder if someone could help, we have a credit card and although pay the regular minimum payment we overpay differing amount depending on the month. Does anyone know what the best time to throw some extra money at the card is? I don't want to be doing it wrong if you see what I mean Thanks will check back later
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Credit Card Application questions???
Hi I'm about to apply for a credit card but am being asked whether I 'plan to apply for a new mortgage in the next two years' - Why am I being asked this? I'm also being asked if I have a savings account too? Why? Meriden4
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How do I deal with my debt if I'm a foreigner working in UK?
Hi guys, it is my first message on this forum. I'm german, I come in UK some years ago for working. I have 3 different credit cards which I'm heavily dependent, only in the last 4 months I realize that my debt situation is out of control and I'm not able to pay back my cards. I receive frequently phone calls from my…
