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Eligibility Check
Several months ago you could check on the forum for an idea of what cards you had a fairly good chance of getting and only a soft search would be made on your credit file. The outcome of the search would give you the names of all the different cards you had a good chance of getting. Subject to the actual card company's…
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question about various interest free end dates on cc
Hi, this is probably a stupid question but I can't seem to find the answer. I have a barclaycard CC with 2 separate 0% transfers on it. I also want to move another amount onto the same card on another interest free offer. so, if I have for example £150 interest free till jan 2015 £800 interest free till august 2015 Is it…
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How can I decrease my APR% with BarclayCard ?
This is my first credit card, I had no credit score due to my family moving to Australia from a young age, but I got the initial card for building a credit rating, credit rating has now been built, they keep increasing my credit limit which I don't go anywhere near my limit, so how do I get a lower APR ? it's like 30 odd %…
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VISA Internet Shopping Gift Card
I have been given one of these for Xmas, value £25 It appears that it can only be used for internet shopping to the face value on the card, and cannot be used for part payment, as no shopping sites will allow payment with two methods or cards. Therefore the item purchased must have (in my case) an exact value of £25, (or…
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MBNA Rate for Life Application
Hi all, Just before Xmas, I made an application for the above card. I was instantly approved with the credit limit that they would give. I got the normal approval message that the card and pin would arrive in the next 5-10 days. I received a letter this morning asking me to call MBNA, which I did. I had too confirm my…
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Fraudulant balance transfer to Capital One
I have an Aqua credit card which I mainly use as a backup in case of emergencies, (i.e, replacing a broken appliance). The card was used on 12th December to purchase a new powerchair as the one I was using was very old and on its last legs. I had gone to a mobility showroom in Essex (I will not name on here) as I had seen…
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Credit card protection for damage caused by purchased item
Hi all, I recently purchased an expensive cast iron radiator using my credit card and when it arrived I had it plumbed in but it turned out that there was a manufacturing defect with it and it flooded the room... I know I can claim for a refund for the radiator under Section 75 but are they also liable (under a different…
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Halifax Purchase Card Preloading
Hi, I'm planning a bigger purchase(as I recently moved to a new flat) that I want to split into a few months and the 20 months Halifax Purchase card sounds tempting. My only concern is that I'm not sure if it allows preloading, and if it doesn't and if my limit is too low then, I'd have no use of it .... So does anyone has…
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Close Credit Card?
When you have finished using a credit card and have absolutely no intention of re-using it (I don't even know where it is!), is it best to close it?
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Best reward card that is not AMEX
Hi all, First time poster and I apologise if this has been asked before, but my search of the forum was unsuccessful. I have recently started focusing on getting the most from my cards and accounts after a long time of ignorance to the benefits. I have a Santander 123 account, a 0% nationwide card for my main credit card…
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Halifax Minimum Repayments
Hi there My wife received a letter from Halifax last month telling her Halifax will be changing the way they recalculate minimum repayments from March onwards. This is to bring them into line with industry standard. They gave an example of how the change affects her and her minimum payment will increase by about £50. Has…
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Credit card application when not on electoral role?
Completed on a house purchase on 19 December, and have changed addresses with providers and applied to be on the electoral role etc, but this all takes time and I doubt I'll be noted on the electoral role for a good few weeks (the joys of city council). I'd like a 0% purchases card to avoid using money in TSB Classic Plus…
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Balance transfer - off and back on
Hi all, This is my first post so please excuse any terminology ignorance :) I have 2 credit cards, one with balance transfer offers and one that has just a fixed low rate of interest. My question is, hopefully, simple: Is there anything (except credit limits) stopping me transferring an amount from one card to another and…
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Money Transfer Credit Cards, with Offset Morgage
Hi All, I've recently started my OFFSET mortgage and I'm trying to take advantage of the facility my putting as much savings as possible. To turbo charge the effect I am using MONEY TRANSFER credit cards, by taking the cash out of the credit card now e.g £5k however for a fee of £200 (0% for 19months). Am I right in saying…
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Credit Card refunds (Section 75)
Hi, I play golf at my local golf club and they appear to be in a bit of financial difficulties,- delays in paying the groundstaff, etc. I pay my yearly green fees with my credit card and would like to know if I paid them this year in April, approximately £450 and they went bankrupt later in the year would I still be…
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company credit card query
Hi, I just posted this in the wrong forum. Hi everyone So, I just got a little promotion at work today (yay) which means we will be about £50 a month better off. Part if the promotion means I get a company credit card as I will have to be out of the workplace more often and it is to be used for expenses and trips. But, I…
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Credit Cards and Current Accounts
Does the number of credit cards I have affect my ability to apply for more current accounts, especially if the number of current accounts I already have runs into double figures? Thanks
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I canceled Barclaycard today for my own security.
I could not logged in to my account for more than 1 months. And they don't know why or they don't want to disclose the reason. At fist they said it would be solved within a week. and another week. And they wrote me it would be solved by 25th Dec. When I spoke to them finally today, The CS's answer was ' Oh, but you have…
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Balance transfers
Are there any Credit cards out there likely to allow me a balance transfer of £11,000 ?? I have an excellent Credit rating but I do have a further debt of £11,000 on 2 loans, which may make it unlikely for a company to extend that additional amount of lending !!?? I'm on £45,000 - £50,000 a year
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US Dollar Credit Card
We are always strongly advised to pay for things (even if just the initial deposit) by credit card as it gives better consumer protection in the case of company going bust etc. Am I able to get US dollar credit card with similar protection being a UK resident? I have a Lloyds Dollar current account and debit card, which I…
