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NatWest Mastercard application
I applied for this card online last Tuesday (2nd), trying to take advantage of the 20 months 0% balance transfer offer. I've not heard anything yet. Does anyone know how long they usually take to respond? Also does anyone know what sort of limits they give out? I've got a strong credit history, and most 'starting' limits…
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Credit Card fraud and refund queries
Ok so I'm just looking for some advice on what to do here, so here goes; In September 2007 I opened up a student bank account, got a student credit card and then thought nothing of it. The first and only time, to my knowledge, that it was used was once on the 15th October. Now fast forward to today, after several years of…
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Credit Card charges
Hi I have had a Barclays Credit card for years and have therefore got a high credit limited. I try and clear my balance every month , but sometimes this is not possible .I want to claim charges / PPI etc but am worried they might reduce my credit or even worse cancel my card - Is this a possibility if I try any claim -?
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Can a use a 0% credit card to pay of part of a mortgage
Hi wounding if any one can help just had a thought My fix rate of my mortgage has finished and I have 84000 on a sucure mortgage and 8000 on a unsecured mortgage I feel my 8000 isn't going down with the intrest is it possible to pay off that 8000 on a intrest free credit card or does it not or like that thanks
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Use 0% Credit Cards to Overpay Mortgage
I wanted to sense check this idea. All hypothetical at this stage but I am thinking of it. If you borrow £3000 on a Credit Card with say 0% for 12 months, then use the £3000 to overpay on your mortgage, you would benefit from immediate benefits from the mortgage interests? Meanwhile, the £250 per month that is supposed to…
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Shuffle which way?
I have just come into a small windfall of around £10K and I am looking to use it to do a credit card shuffle with my current four credit card debts. I cannot pay them all off so I am thinking of paying off one or two of them in order to create some available balance on them. My hope is that the cards with the available…
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Transfer of Egg Money to Barclaycard
It's been a disaster so far. First of all my current statement shows £10.77 interest charge!!! I pay the full amount by direct debit each month. When I rang them there was no explanation. I will get a credit on my next statement, but will have to pay this charge on my next payment date. Also no sign of the £66+ cashback I…
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tesco appeal
Tesco declined my app, - then sent bank and card statements and it workedm - now have a card. Its worth appealing
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Egg emergency cover question
My OH cleared his Egg credit card account in the summer. He has recently received a letter saying he has over £80 outstanding to pay. He knows for definite he had cleared it in full so he went to check online and there was nothing there, due to Egg being transferred to Barclaycard. Today he set up his Barclaycard account…
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Correcting credit card statements
Hi there, After two rather frought conversations with the call centre staff at Barclaycard regarding the allocation of payments to my account, I have been told that the statement I recieved yesterday with the incorrect balances will be corrected and resent. A little background, I had £145.26 remaining from £275.26 purchase…
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Confidence issue re switching to 0% credit cards
I'm not yet panicking but.... I know that switching to a 0% card from one on which I am paying interest would be a good idea. My problem is that I'm not sure that anyone will give me a 0% card (I obtained the one I've got when I was better off than I am now!) and I fall at the first hurdle, since I always assume the worst…
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Help! Vanquis robbing *******
Hi, after opening up a new bank account with hsbc I proceeded to change the direct debit on my (vanquis) credit cart to use the new bank, only to find that the whole time they have been taking the money out of my old account (santander) and leaving me with £150 in overdraft fees! Do i have a legal leg to stand on here or…
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rebuild my credit
hi thru fault of my own over the years i have damaged my credit quite badly, now am alot older and wiser i am looking to slowy pay off debts and rebuild my credit i was wondering if there was a credit card that would help to do this as my credit score is quite low or would it be best just to stick with paying off what i…
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Amazon and Bank of America
Does anyone know how quickly a credit card company reports you to a credit agency and if they have any obligation to try and resolve the matter before going to them. Basically the great Amazon and Bank of America tie up got me good and proper. They kindly kept defaulting to my Amazon card and I did not realize.…
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Best balance transfer for larger balances
Hi All, Can anyone suggest best card to go with to transfer £9k balance. Currently with MBNA. Much obliged.
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PPI claim form re arrears question?
HI everyone first post on the site so apologies if I am repeating previous questions. But. filling out the credit card PPI form and there is a question that asks have you ever been in arrears ...had the card since 1996 so to tell the truth have no idea ...the options are either YES or NO .. so am I better off saying YES…
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Balance transfer £5000 - can I use Halifax
Hi I need to balance transfer £5000 within the next 2 months - I was looking at the Halifax card with 20 months 0% (there's also one with 22 months for up to £3000). Already have Virgin (empty but need to delete card) Already have Tesco (empty but may use in future) Already have Barclaycard was Goldfish (use this one and…
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Best card advice
Hi, I currently have one credit card which I only use for business expenses. My company reimburses me straight back into the credit card so it is always paid off in full, however, sometimes there is a delay in them paying and I get charged interest. Does anyone know of a card that has an interest free period on everything,…
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credit card compensation
I had a call from a company who said they had details of my credit card historys and that I could reclaim all the interest on 4 credit cards for up to 12 years. They of course wanted a fee (£299) up front, but also reclaimable. I can see from this site that its possible to do this, but I dont actually know if I have been…
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nat west doubled their money
my husband had a credit cardfrom Nat West and used £300 of the £400 that was given, his mimimum payment at the beginning was £13.00 monthly but is now £14.00 . I paid £20 a month so that i did not pay minimum payment but he now owes double to what he took out surely this can be right , we have not checked before as i just…
