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Borrow from credit card at lowest rate
in a nut shell: transfer money at balance transfer rates to another credit card that has no balance, putting it in credit. Get the credit refunded to your bank account. Successful done from Barclaycard to bank account via MBNA card. long version: I been trying to figure out how to use my credit cards to get the cheapest 0%…
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Using Barclaycard to get cash
Can anyone advise please? I've just checked my bank account this morning and someone who owes my business money hasn't paid it in as promised. I'm sure they will, I think they might be away and some people just don't understand the urgency to pay small businesses. It means that I can't make a payment due tomorrow. I need…
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Poor rating
Is there a card out there I am guaranteed to get with a Poor (not "very poor") rating?
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Virgin Cancelling my credit card because I am not using it
I have just received a letter from Virgin telling me that if I don't start to use my credit card they will cancel it. I only got it for stoozing the free transfer balance to my current account then into my high interest savings account all these years ago. I think, but I can't remember, I made over £250 in a year on that…
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Credit rating
I cancelled my Marbles card in November and they sent a letter confirming. In May a payment was paid to CCP (I forgot they took annual payments from this card and hadn't advised them) and I received an unexpected statement from Marbles for £31. The following month I settled the account in full and phoned to confirm a zero…
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How do I balance transfer?
Good evening, I have just got a Natwest 22 month 0% card to help move all my credit onto one card to pay off. How do I actually perform the balance transfer? Do I go onto my existing Barclaycard or do I do it from the Natwest side? I need to do it today before midnight! Thanks for the help in advance!
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Tesco Credit Card/Lloyds TSB Double Payment Issue!
Hi I paid my tesco credit card online on Thursday evening. On Friday I had an automated phone call from lloyds tsb asking me to verify the amounts as they had expected fraudulant payments had been made on the card. I did so and the message informed me that the payments had been cancelled and would need to be submitted…
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Barclaycard
I have a balance with BARCLAYCARD and I have asked them to stop charging me interest and to pay down the balance so effectively freeze the account and they have said no. However, with the interest being charged and me not using the card its going to take twice as long. I cant zero transfer to another provider as my credit…
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Credit Card for Holiday
I need a credit card for hiring a car on holiday. My problem is i have shyed away from credit having been burnt before, any recommendations? Need a credit limit of approx. £1200 basically as a deposit not really interested in actual credit. Help needed as go in a fortnight!!!
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Dormant credit cards
Simple question (I hope!) - can you reactivate dormant credit card accounts Many thanks
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over draft or credit card debt ?
Hi At the moment i have quite a high overdraft facility with santander which is free while i owe money on several credit cards not high amounts 25 pounds on capital one 220 on aqua and 500 pounds on natwest credit card which is 0 percent until sept. Which looks better for your credit status using a a decent proportion of…
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what to do with various sub-prime cards?
hi i've got the following subprime cards: capital one classic (since feb '11) - limit £300 vanquis (since sep '11) - limit went up to £750 in april aqua credit card (since feb '12) - limit has just gone up to £500 aqua reward credit card (since last month) - limit £250 i put basically everything i buy on them, and pay them…
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rbs.co.uk/pay bycard
I realise that this has been discussed before, some people concluding that it is a genuine part of rbs. But I am assured by a Royal Bank of Scotland person on their official credit card line that "it does not ring any bells." The "rbs credit card centre" or just "the credit card centre" have been contacting me since…
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Credit Cards for young person/student
Hello All, Do you know of any credit card companies that take on students for a credit card?
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Credit Card air miles
Hi, I took out an air miles credit card (white card) with Virgin a few years back, and just wondered if it is worth it or if I should get a better one. I haven't had any benefits from it and the air miles I have accrued (10,000 I think) don't seem to make flying with Virgin any more affordable. Am I missing something?…
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18 can not get finance
Hi im 18 i work full time i was wondering if anyone knows of a credit card i could apply for to start to build up my credit rating?
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Clarity CC rejection- any clues?
Hi I have a good credit score, good income, and existing halifax reward account (admittedly it is my household joint account with partner that I pay into each month- not the one my salary goes into), yet when I applied for a Clarity card (for overseas spending) online- computer said no. Would I have more chance if I phoned…
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Which credit card? Post Office vs. Aqua
I applied for the Halifax Clarity, but they rejected me (my credit score is great, I think it was because I have an old, dormant Halifax account). I think that either the Aqua or the Post Office credit cards would be good for me — for spending abroad, and occasional usage in the UK. I would never take cash out with them…
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Debt collection, Credit card interest query.
Hello I have found out that my girlfriend has a a debt of £4500 on her credit card from years ago. Basically, she could only afford to pay the minimum amount per month and after some bad advice from a friend she just stopped paying back altogether. I'm not sure how long ago this was. So she started to receive debt…
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Fuming! - Capital One
After wiping out my Capital One by offering to set my payment at £50 per month (far more than the minimum payment) and my wifey at £50 (changed to £100 when mine cleared). Imagine my surprise when I looked at our credit rating and discovered it has dropped through the floor due to Capital One marking us as 'Defaulted…
