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credit card help
Hi everyone , this question maybe in the wrong section of the forums ,but i did not know which to put in and this section seemed more suitable as its a credit card i need help with. my mum passed away ,leaving some money owed ,im her only son so i am the authorised administrator,ive payed off all of her lenders ,but one…
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Capital One credit card colour and design
I have had a Capital One Classic card for 2 years now with a credit limit of £1500 (started of at £1000 then raised to £1500 after 6 months, not had any limit increases in a year and a half since, no late or missed payments for those 24 months). My card reached is expiration date and I was sent a new card. My question is:-…
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Need Advice
Ok, so i've registered onto the site about 5 minutes ago i'm only 19 but basically i know at a young age company's will throw money at me to get me into the position were i do owe alot out. Which i'm not getting my self into that position :mad: Basically i'm earning around £1200-£1500 i do outbound tele sales for an…
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Capital One: don't waste your time applying...
There seems to be a bug in their website. I was tempted by the ten pound bonus highlighted in the current Money Tips email, but I have completed and submitted the form about ten times and it just doesn't go through. Very annoying.
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Credit card shuffle and minimum payment.
Help me make up my mind about shuffling credit card balances. I have been moving from cards to cards for a few years now. I mostly only pay the minimum payment on 3 cards. 2 x 0% cards (£3k each) and I pay approx £35 on each. I also have an mbna 5.9% for life card(£4.5k) and pay £68 p/m. I have used most card companies and…
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Which is the higher rate?
Hi guys, Which is the higher rate of the below? 20% PA on overdraft 1.873% per month on a CC
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Frozen Credit Card
my barclaycard has been frozen because of the transfer of my egg account. the egg account was part of an IVA started in 2007. i cleared the IVA in 2009. the barclaycard was not part of the IVA as it was not in use. I had a limit of £500 in 2007 and it has risen steadily to £8000. Since the egg account was transferred…
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Good credit report but credit card offered with the highest APR
Hiya, I've been with my current bank since February 2008 and that's the only credit I've got, no mortgages, loans; just that credit card. I set it up to pay it in full as well. I've now apply for another credit card with an APR of 12.9% but I've been offered their maximum of 21.9% instead. Not sure how this works, as this…
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MSE News: Reject credit card hikes after banks up rates
This is the discussion thread for the following MSE News Story: "Thousands of credit card customers face interest rate hikes, but you can reject them to escape the higher payments ..." Read the full story: Reject credit card hikes after banks up rates
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Sterling Pre-paid MasterCard and car hire
Hello I wonder if anyone can help, I spoke to Sterling Pre-paid MasterCard today and they have told me if I supply them with passport details, proof of address etc then they can upgrade my pre-paid card so that I am able to hire a care (I obviously need to have the correct amount on the car that they will secure). Has…
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Fee For Credit Card Usage
Just renewed my house insurance. Yet another company that wants to charge me for using my CC. Do you agree that this is unacceptable or not? When companies agree to offer CC as a method of payment they know what the charges are so it is right that they should pass it on to the consumer?
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NatWest Credit Card online protection changed
This is my first post, so be kind ;) It seems that Natwest have dropped MasterCard SecureCode on their credit cards and will be replacing it with other questions. This is what is on my statement: and the Safer Shopping FAQ explains it a bit more (as I'm new cant post the link) Anyone got any idea why this has changed as I…
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Post Office credit card & cashback, grr
I wanted to transfer a small balance over to a new card which had reached the end of its 0% offer, & seeing that if I applied for a Post Office credit card through Top Cashback I would receive £45 I thought I would go with them. I applied online and was told that they were unable to tell me whether or not I had been…
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Buying a house - when to apply for cc?
Hi, I'm in the process of buying a house, and it would be really helpful to have a 0% on purchases card shortly after moving. However, I've read it's really hard to get credit straight after moving house - just wondering when would be the best time to apply. 1) Before completing 2) After completing but before moving…
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Spending on a BT Card
I have just recieved the Barclaycard Platinum Card with a limit of 1200. I also have two other CCs which I am paying off but one has a high interest level of around 30%. I originally got the Barclaycard to do a BT but had to use it to make an emergency purchase of £200. I still wish to go ahead with the BT, and could clear…
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Using an overdraft to pay off cc debt?
Hi All, I am new to this forum and is on a mission to clear my debt. Being a full time worker on minimum wage I am struggling to pay off all my debt and pay my day to day family bills. However, my Capital One credit card has nearly £1150 to be paid off and my interest is a whopping 34%. It would be nice to get this down so…
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Credit Score - overexposure, not payment issues
Hi Apols if this is the wrong place for this. Could well be my non-techie incompetence, but couldn't do a 'credit score' search as a phrase and find a thread/section dealing specifically with this question... I'm trying to get advice or a steer on a 'rule-of-thumb' relationship between credit score and level of unsecured…
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Penalised for paying standing order too early!
I have just been told that for the last 12 months I have been paying mbna too early in the month for my credit card. I do not recieve paper or online statements only an email once a month with balance and min amount due. I overpay monthy but on the 1st of each month not between 8-24th as they now tell me it needs to be.…
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Credit Card.... Loans
Hi everyone, Can anyone please answer my question: Someone told me you could transfer a credit card balance into a Loan is this true.
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Working out credit card balance based on mimum payment?
I have a Virgin 0% Balance Transfer offer about to end. I'm on paperless statements, and have forgotten my log in info. Theres a DD set up to take the minimum payment each month. My plan was to divide the minimum payment taken from my bank, by 0.03, to get the balance left on the card. However, the amount changes, based on…
