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Lower APR Credit Card
Hi, I would like to find out the following:- Can I change to a lower APR credit Card, because my bank Lloyds TSB said that I cant even though they advertise a lower APR card. They say that I have a APR based on my credit score? I've had this credit card for almost 7 years with them since then my credit score improve. Are…
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Tesco Credit card didn't work in a store
I have a Tesco Mastercard which has been used today in 3 different stores ok. I have still got a £900 allowance and no outstanding charges or debts. However, when I used the card in the local Coop store it was rejected 3 times with no reason. Why would this be ?
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What to do with multiple cards?
Ok, I know I've been silly and racked up a lot of credit card debt, but I'm now trying to do something about it. In the past I've shuffled debts around as new 0% deals have been introduced, but now I'm being declined when I apply for new 0% deals. I currently have 6 cards, made up as follows: One (was Egg Money, now…
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Totally internet card wanted.
I used to have an Egg card but when it was changing to Barclaycard I cancelled it. This was due to previous problems with Barclays and Barclaycard. However, Egg was far and away the best internet card I've come across. I could alter payments to whatever I wanted at will, pay the minimum required or pay a regular lump sum…
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Help - Came into money - want to pay back debts asap
Hi Wonderful site I'm looking for advice on how to tackle some debt problems , my family has £42k worth of CC debt - I know a wicked number I've got them all on DD and pay the minimum each mmonth That's the bad news Recently I've been given an extra £900 per month and I want to pay everything to debt and finish with them…
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Apprentice looking for short-term aid!
Hi there, I'm a twenty year old apprentice looking for some advice on how to subsidise myself while I'm training. I'm training as a Web Designer, and have a guaranteed job once qualified on at least £25,000+ p/a. However, as with all Apprenticeships, I'm currently on around £5,200 p/a. I have few financial commitments, but…
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Guaranteed Credit Card
Lloyds TSB sent me a letter yesterday to say that they had guaranteed me a MasterCard Classic credit card. I've banked with them for years; decent credit score (not perfect yet!), always above £1000 in my account, working full-time with a decent salary coming in. My accountant friend advised me to get it and keep it in a…
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Amazon Mastercard?
Hi, I buy a lot off amazon, and i was wondering whether it would be worth it to get their mastercard just to use to purchase things off their site to get loyalty points? I never would use it to spend on things I cant afford, and soon as I bought something i would pay it off instantly- So would that mean I wouldn't be…
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Cards v Mortgage?
Please please help. We have debts of over 12k on cards and due to being self employed, I am just meeting the debts on each with a little over the minimum. However the interest on each monthly statement makes me feel ill. I am working just to pay the interest. I have tried to apply for other cards to transfer the debt to a…
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Help needed
Hi All, I am currently assisting my sister with her finances, after sorting out my own and thew one area I wanted to tackle were her Credit cards. The interest rates vary on all of them but they are: Natwest x2 : 18.40% Barclaycard: 24.9% Capital One: 29.9% I phoned these copnaies last night to see if they would consider a…
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HELP please
Hi, I am not sure what I can or should do now. I have quite a few cards:eek: and quite a balance on them:eek: ie Halifax £7,500 Lloyds £3,400 Barclays £5,000 and Tesco £1,200. All are running out of their interest free deals in Dec/Jan and I don't know what I can do now. I earn quite a bit (just above bracket of higher…
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American Express Online Account?
I have an American Express Platinum Cashback Card. I signed in on the amex website today and noticed that the layout of it has changed and just wondered if anyone had found a way of easily finding out which cardholder spent what? It took me half an hour to figure out how much my partner spent on his spree it only took 2…
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Accepted 0% BT But Best Way To Pay Off Current Debt?
Basically decided to apply for a 0% card as my current Barclaycard rate is well just high, after 3 months of bad luck with various unexpected bills the balance has crept up to over £6k (stupid I know) Applied for a 0% card for a balance transfer tonight and got accepted for £2.5k, obviously will transfer as much as…
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Barclaycard cheif executive
Hi, I am having dealings with these and getting no where fast. I want my account history including letters I have sent them but they wont send everything. I have asked in total 3 times for this info and have little bits send; 1) they sent statements, 2) they sent letter they have sent me and 3) they sent me letters I have…
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Homebase store card misleading
On making a recent purchase of tiles I was offered a Homebase store card on the basis that I would get 3 mths interest free and more importantly for me I would get £60 in vouchers to spend in store. The key thing here is I was told I would get £60 to spend, NOT that I would get a load of 10% vouchers the biggest being £20…
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no credit,cant get credit(help)
both me and my partner have no credit and cant seem to get any. we have a mortage, i run my own salon and we both have contract phones but we still cant seem to get credit! we have never had credit cards, loans or debt as we keep getting turned down! i have checked loads of sites and we more than qualify for them we make…
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Application for credit card
I've had credit defaults in the past but have a really good credit score on creditexpert now 895 apparently. I want to apply for a credit card and i know there are quite a few for people with previous poor credit so no worries there. The only problem is for some reason my credit report shows that i am not listed as being…
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Tesco charging £12 for late payment
For over 12 years we have not missed a payment date on our Tesco credit card. We sent last month's bill well within the time but they have informed us that we are going to be charged £12 as it was one day overdue If I ring have I a chance of them wavering it ?
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Payment methods
One thing that bugs me is the lack of information that sites offer about payment methods, some do list stuff, but many omit cheques as an option. can anyone advise which card is a) No application /annual fee b) Payments made by cash or cheque'- i am very old fashioned and do not use internet or electronic banking. Many…
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Barclaycard Cold Call
Just to let you guys know BC are calling those of us who had egg cards and have not yet used our new BC card. The guy called asked me for security to check i had got my card and pin because i hadn't use it... Erm maybe cause i dont need / want to?? :rotfl:
