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Travel credit card
I am looking for some advice. I have never had a credit card but as i am going traveling for 5 months in a months time i thought it would be sensible to have a card just incase. So far ive realised i dont need to worry about balance transefer rates, but i think 0% on transfers would be beneficial for me, and i am thinking…
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Heelo,Everyone...
Hi,Everyone I am new to this forum and am excited to have nice and healthy discussion over some happening topic and hope I will get solutions of all my queries here.Looking forward to get involved in some discussion.
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Problems getting equifax report
Sorry not sure if this is posted in the right section. My OH filled in the online request form for his £2 statatory credit report from equifax paying by card which they took the payment from on 12th April, nearly 3 weeks ago. He still hasn't received the report which their website says should be recieved within 7 days. I…
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MBNA Existing customer Promotional offer advice
I have an MBNA Credit card which had a promotional balance transfer rate of 0% when I signed up last year. Unfortunately I could not pay off as much as I wanted due to losing my job last November so I have £400 outstanding which is being charged interest. They have recently offered me a 0% balance transfer until January…
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mis sold balance transfer
hi we just tranferred a balance from one card to another, because we had virtually nil on the new new card and rather than take a 0% for x amount of months we took 6.9% for life of balance, but we have just had a statement and they insist that minimum 5% is paid each month which we were not told about when we did the…
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Company card with a low credit rating
All, I have good news to start with. I have just been promoted to a new, better position. The new role involves the use and issue of a company credit card (AMEX, if I am correct). As my credit rating isn't famous, will AMEX refuse to issue me a corporate card? The company will pick up the bill by the way. Will they/can…
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card or cash
Should i spend on my Alliance and Leicester vias debit card when i go abroad to Australia, or should I get a certain amount of money changed up here before I go. I know the card charges 2.75% load
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Credi card cheques
Hi All Can someone help me with a question i currently have a balance on my credit card and mbna have sent me some credit card cheque's at 0% till april 2009. If I use the cheque to pay off the balance of another credit card. Will mbna then charge me the cash intrest rate from april 2009 on the balance t/f or will it be at…
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transferring 1 mbna to another mbna
I've got 2 credit cards, Virgin and A&L, unaware they were both issued by MBNA, i tried to transfer the balance of Virgin to A&L, but was told i cannot transfer 1 MBNA to another. Can they do this?? I am paying interest on both, i did try for a new credit card but got declined.
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refund to credit card - quick response appreciated
I have had an order cancelled and it says it will be refunded to my credit card. I do not want this because I've already paid the bill off with my debit card. Is there any way I can stop the refund going onto my credit card, and instead have it refunded to my debit card ??? Appreciate a quick reply so I can sort it out…
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Section 75 Query
Hi I was wondering if anyone had any experience in seeking redress from credit card co's via section 75 of the consumer credit act. I have recently bought some furniture, 2/3rds (approx £900 worth) of which was delivered in a very poor state of finish/repair. I did not personally take delivery and no invoice was left. The…
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How much do I say I earn?
I currently have a credit card with about 4.5K on it with the bank my current account is with. The limit on card is about 6.5K which was recently increased so I assume they think I am credit worthy as well as profitable( I pay more that the minimum but not an awful lot more, I don't actually use the card that much, its…
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Two rejections??
I have never had a problem getting credit before, I'm a home owner, employed, etc. I have a couple of cards that I switch balances on, so when one came up for renewal I applied to Virgin to switch the balance, and I was rejected. Thought it was strange but wondered if it was due to me trying to transfer too much. Made sure…
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Credit Cards and Western Union -
Hi there I am considering transfering some money to someone in India and I was wondering if anyone here has used their credit card with Wester Union and know for certain if it appears as a purchase or cash advance on their statement. I have found out that Western Union themselves charge a slightly higher fee to accept a…
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Offsetting
hi There, I have a FD mortgage fixed for 2 years. I am wanting to form a large stoozing pot but would like to know with all the high BT fees, 2-3%, what benefits is my stooze pot going to have on my offset mortgage? Is there an offset mortgage calculator that can do the sums for me? At what point does the benefits of…
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Credit Score Reject
First time I have ever been rejected by Tesco phoned them they said it was to do with my credit score - I do have two cards with nothing on them that I have not closed down yet - any chance its this. My electoral roll address is my flat which is a second home could that cause an issue - dont think so particulary as have…
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self employed - need advice on applying for credit cards
Hi there; Im self employed so know this affects my credit score. I have maxed my credit card out and need to change it to a 0% balance transfer. However, smart search conmes up with cards that are 0% interest free for like 52 days - not really long enought o pay off my card. So do i risk applyuing for a better 0% card even…
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Applying CC - what to put for employment?
My husband is just finishing his MA to become a music teacher, literally three weeks to go. He has a job lined up to start in september, contract signed etc. What do we put under 'employment' in the CC application? Can we count him as already employed, or do we have to call him a student? Thanks SArah
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Ulster Visa Credit Card
Hello, has anybody out there applied for an Ulster Visa Card, the reason I ask is when I went on and applied for the card I went on to submit the application and a few seconds later they said they have approved me for a £500 Visa Credit card, then went on to the next page and they said they will be in touch within 10 days…
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Letter needed for credit card comp
Hi y'all, you were good enough to help me last time I had bother with this lot - the Clydesdale Master Card! In the end Debt Managers arrested my account and took all my money and savings, but I'm still paying the balance. That was last autumn. Today I get a letter from Rockwell Collection Agency on behalf of Phoenix…