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Getting Rid Of Card and Loan Debt . . Can I Negotiate?
Ok Im new to this so please be gentle . .and if this is the wrong thread category please point me in the right direction. Back in 2001 I took out several loans and credit cards . . .around 2 years after i became unemployed and shortly after that I entered full time education for a further 3 years followed by unemployment…
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Skycard just reduced my limit
Hi people! Just received a letter today from Sky who've just reduced my card limit from £4000 down to £800. A massive reduction if you ask me. I have nearly maxed out my card before on a few occasions but I will have to jump ship soon because of this new low limit.
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BMI Free Air Miles - Please Read this
Hi, I recently received my BMI card and used it a couple of times to be able to receive my free 20000 Air Miles. As I have an Amex Blue, I stopped using the BMI card. I received a call from BMI yesterday, asking me if everything was alright. I asked them about the free air miles and they said "Well, you have to spend at…
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Another company offering same as Cahoot's Webcard
Hi all I am looking for suggestions for another company that offer a same service as Cahoot's Webcard (where you can generate a unique credit card no for each transaction) and one where this type of service is available as both a credit and debit card. Many thanks for any suggestions Cheers Paul
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online credit card application intercepted?
I applied for a barclaycard online two weeks ago and got a message as I sent the application along the lines of: the recipient address is different, it's possible though unlikely that your mail may be intercpted do you still want to send. Stupidly, with hindsight I sent the application. I have heard nothing from…
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Credit card with CCJ'S?
Hello, i need a credit card or loan...but have CCJ's does anyone know any places that are relaxed about this or that accept people with them or is there no chance? Any advise woud be great Thanks x
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Why was I turned down?
Card company replies with "we cannot tell you" However when I was listening to Moneybox podcast, Lewis did mention the following LEWIS: We’ve also had a number of emails from people saying they have asked for an explanation of why credit was turned down and the answers are all very vague like, “Well maybe your income’s…
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Need some help to figure this out
I have a zero balance on my credit card, the statement day is today (27-04-08). On the statement it says i have to pay minimum by 22/05/2008. If i spend £2000 on it tomorrow, when do i have to pay it back without getting hit for interest, is it 22/05/2008? I thought you could get more than 4 weeks interest free? Thanks
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Paying Credit Card bills at other banks
I am a new to this forum, and I firstly apologise if this posting is in the wrong section (and hope admin will shift it if it is). My problem occurs as I have several 'sub-prime' type credit cards with Capital One and Vanquish, I do not have my own bank account as I use a collection of building society treasurer's accounts…
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Egg Money card - have I been declined?
Hi all Just tried to apply for the Egg Money card online, as an existing Egg customer. Got to the stage of putting my bank and salary details in and pressed Next for a decision. All I got was a page with the words "sorry, we can't continue with your application due to problems at our end" and the only option was to log…
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Credit Card Query
Back in 2004 I used my First Direct Visa card to purchase some furniture. I called the bank to inform them that I would be using the card porior to making the transaction as I had in place a max limit of £500 for any single transaction. Transaction went through fine. Called First Direct to instruct them to pay the balance…
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Beneficial Card
i have just recieved my statement for my cc from beneficial last months minimum payment was £277 and i sent them £300 not much over the requested figure but every little helps I have actually cut this card up and havnt used it for 6 months anyways i have been charged £298.38 interest and therefore only payed off £1.62 out…
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MBNA what a bunch of cowboys
I will try to keep this short and to the point, but I am fuming. Back in November I had an op rang them and they told me I could not claim of my Insurance that I paid every month as I was employed and self employed. Using templates on this site I said fine give me my money back this went on for a while even with them…
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Debit Card Chargebacks - Urgent Help
Hi I have a Card Saver account with the Woolwich which comes with a Visa Electron card. The account gets statements every 6 months and has no online support - Woolwich dont offer any!! I discovered recently that a certain company has been systematically charging my card for £15.99 for the past 12 months without my…
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HSBC Credit Card Deal
Hi, (Thanks for a great resource, Martin.) I'm new to money-saving and I need some advice. (I want to do a little bit of card-tarting.) This came through my letter box: BT are offering (seem to be offering) a credit card with with 0% on balance transfers for 12 months. (3% handling charge.) I intend to transfer just over…
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Card Advice Please
Hi, I have currently got a Halifax and a M&S CC. I am hoping to BT everything of these two cards onto a Virgin CC. I know from Martin's guides that you should never spend on a BT CC. What would therefore be the best thing to do from here regarding a CC to spend on? By spend on I mean spend and pay it off in full the same…
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Automated Call From Lloyds TSB
Had a call from "Lloyds TSB" this morning, it addressed me by name and mentioned the type of credit card I hold with them. It asked me to enter some personal information, so I hung up. The number they called from was 0845 3312320 Phoned it back, same automated voice, and it detected who I was from the phone number (which…
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Barclaycard Platinum GUARANTEED OFFER
Hi i just have a quick question, i am a 19 years old, coming up 20, and i am a Barclays bank customer, and today i recieved a letter with Gauranteed writen all over it, saying that because im a barclays customer, that i am gauranteed to be accepted for there platinum credit card with 0% balence transfers till feb 2009, and…
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how do I find out which credit cards I still have?
I know that sounds daft so I'll explain! A few years ago (pre lbm) I had a lot of credit cards, they were paid off with a consolidation loan ( dont do it) which I am still paying . At the time I didnt cancel the cards just cut them up. Now I want to get shot of them completely but as I am not sent statements any longer I…
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Keep or close?
I have several cards currently with zero balance, or due to end next month, and wondered whether it's worth keeping any of them open - maybe try for a repeat deal :confused: LTSB Advance - keeping as have had repeat deals before Nationwide - keeping to use abroad MBNA Platinum Sky Mint - low credit limit so may as well…