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Question on HSBC Credit Card
Hey guys, Just applied for HSBC CC with a £2000 Limit... (even tho i asked for £1000) - Anyway im told there is NO FEE at all on this card is this true? because i will be going away on business very soon, long as i don't use the card i don't pay anything at all yes? not even monthly fee or yearly ? must be blind as a bat…
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The 0% card shimmy
Hi all x Need some clarification if my plan will work ... I have 3 credit cards as below as well as 2 loans: H.Fax = £2000 @ 0% until June 13 - pay £200 a month BofS = £1900 @ 0% until May 13 - pay £200 a month B.Card = £1000 @ 0% until Sept (ends on the 20th) - £100 a month BH Loan = £3700(ish) at 16% apr - £200 a month…
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Transaction dispute
Hi, Having problems with my cc company regarding a charge that was issued against my card by a car rental company. I have basically attached the email I sent to the financial ombudsman to try and explain it-Dear Sir, I am looking for some advice regarding what I believe to be a fraudulant transaction against my credit…
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credit rates high
hi i could do with some advice regarding my credit card, it has a 34% rate on it, how do i go about swapping it to a lower rate, do i phone the card company first or do i try swapping with another lender, i owe around £450 any sujestions thanks :D
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How long before "new customer"?
Hi there, can anyone help me? I remember seeing a list a while back for various credit card companies and how long before you can be considered a "new" customer after closing an account with them. Does anyone know where I can find it? I am specifically interested in Tesco and Virgin if that helps? Many thanks :beer: Lou
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Balance transfer from one 0% interest card to another . . . but
I have a 0% interest credit card with Tesco, which has almost £3,000 on it. I have been offered, and have accepted, a 0% interest card with my bank (Lloyds) which I wanted to do a balance transfer on. My intention was to cancel the Tesco card once the balance had been cleared. I have received a letter with the PIN today,…
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Advice needed :( - end of 15 month interest free period
Hi I need some help and I'm getting increasingly worried as the months go bye bye :( Quick back story, got a M&S credit card last year with a 15 month no interest on purchases, I have been paying off the minimum payments by direct debit every month without fail.... I'm £18.00 from my 5 grand limit and don't intend to spend…
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Can you have more than one Asda Credit Card?
I would like to apply for Asda's new Money credit card as you can get cashback on petrol. I already have an Asda Reward Credit Card with cashback due to me from purchases I have made during the year but can't claim the cashback until near the end of the year. Think I read somewhere that I would loose all my built up…
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Advice re 0% and closing a credit card
I've just transferred a balance from one card to another on a 0% interest deal. Once this is up i cannot guarantee another offer will be available on any of my other cards. Should i close the card with no balance now and in 14 months apply for another one? Can this been done or will i not be able to apply for another that…
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spouse died credit card not registered to my address must I pay the bill
My spouse recently passed away and he had a affair for 13 years he had 2 credit cards one which at the time of his death was registered at the other address he was staying. I have just received the bill from the credit card company but as this card was registered at the other address he was residing I have not got any…
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Moshi Monsters Recurring billing.
Hi, I was wondering does anyone know what the regulations are on storing legacy financial information? We signed up for a months membership for my child on the website Moshimonsters.com and first of all they do not make it obvious that it is recurring billing and secondly how to opt out of it. Apparently you have to go…
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Airline credit cards
Has anyone had experiences of these, myself and my wife are both teachers and looking at getting a credit card to pay for our annual longhaul flight during the summer hols. The aim is a first class seat on a long haul flight each year with one person going free as we would put all our spending on one card, petrol, shopping…
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Don't trust the Fluid Card soft search
Martin's monthly email praises the Fluid card for allowing you to pre-apply without marking your credit file. I tried it. It said yes. I applied. It said, "Unfortunately on this occasion your application has been unsuccessful. We will email you shortly to confirm this. To ensure that you receive all email communications…
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I do not understand Credit Card Companies...
I've been hammering hard at my cc balances lately. And, I think, I've been doing well with them. I've managed to get one down to zero (Cap One 39.9%) with a combination of throwing any spare money at it, and a bt to John Lewis (2%). My B/card (21.9), I've managed to get down from around 6K to just under 3.5K. JL is now…
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Excessive card charges are due to end?
So realistically this is never going to happen, a new charge will obviously come out in its place but what do you think it may be? Is it a good thing that this is coming when experience tells us we will be paying for it dearly in other ways? http://news.sky.com/story/979469/excessive-card-surcharges-set-to-end
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Charge Cards - Do they build Credit?
Hey, I have just started using credit cards at the age of 27 as I was severely lacking a substantial credit history and wanted to build one up. Over the past 1-2 months I have got a Clydesdale Bank Gold Mastercard (limit £5000), Halifax Clarity (limit £6000) and also an American Express Platinum Charge Card. So my aim is…
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Bad personal credit rating.. employee supplying company credit card
Hi, I have a reasonably bad credit rating. (currently in a DMP). My employee are going to be providing me with a company credit card soon for business expenses. Will my personal credit rating affect my ability to have one? I.e. when they apply to Barclaycard to give me one, will Barclaycard be aware, and potentially…
