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reducing debt by balance transfer any help?
Hi, I dont know much about credit cards and balance transfers, I have had a look through the forum and would like somebody to check if this is right- :confused: If one card had a balance on in of say 2k, and I get another credit card with a 0% intrerest on Balance transfers for a year on it,with £1000 limit, I can do a…
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Help With My Credit Score - Declines
Hello everyone!! Wonder if you can help. Im looking for a good balance transfer card as my previous deal ends next month. Applied for a one today but got declined. I checked my credit score and its coming up with a score of 436 with Equifax which it classes as good. The fact I'm not classed as being in the electoral role…
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Just been offered 2% cashback by Barclaycard
Hi...just rang up Barclaycard to close my CC a/c with them, as I now have a Captial one 4% cashback cc. Got put through to the 'oh please don't close your account' dept, asking me why I was closing my CC a/c with Barclaycard etc, told them why. Well Barclaycard told me that they would offer me 2% cashback through December…
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How long to wait before applying?
I've just applied for a Mint card because I needed to BT about £3000. I've been accepted but unfortunately they've only given me a £1000 credit limit and won't consider increasing it until I've had the card for about 3 months (by which time I probably won't be able to BT to them at a promotional rate). I've used this to…
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Why no good visa cards
I currently have 3 cards in my wallet. My Amex CC which I use as my main card and also use for business A Virgin CC An Egg CC I always pay off balances in full at the end of each month and have a good credit rating. So I am currently revising my card holding as neither Virgin or Egg are particulally competative or offer my…
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Barclaycard
It seems that I have finally found a fault with the amazing overseas call centres :rotfl: ;-) There is now a new string to add to their bow. Not being able to understand you and cancelling your card without you knowing about it!!!! I rang Barclays at the end of last month with a general account enquiry. The next day I went…
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warning - phishing emails: halifax, amazon card holders
Just had my second phishing email in 3 weeks, purporting to be from an affiliate of amazon credit cards and rang them to report it. They said they've had quite a few customers affected. Don't reply to the mail, don't click on the link in it and report it to them by phone, where they will supply you with the correct email…
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Credit searches, numbers of cards...
Hi there. I have a couple of quick questions. I have three credit cards: Capital One Mastercard (coming to end of 4%), Egg Money and Barclaycard Platinum. I applied for and got them in in the last 4 months or so. I had a Barclaycard prior to that which I've had for 11 years, but cancelled about 3 months ago. I always pay…
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Capital One - No statement download?
Is there any way of exporting a Capital One CC statement directly to Microsoft Money?
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transfering a balance from a current account
Is there a way I can transfer a balance from my debit card account to my credit card account. I have done it before with Abbey, but im with HSBC now and they don't transfer from current accounts.
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Always getting rejected for credit
Hi, I wanted to get one of the recommended stoozing cards but I was reject instantly. Ever since I started using credit when I went to uni I've found it almost impossible to get approved, and I really can't see why. I'm 24, never missed any payments, earn a nice wage, have no debts (other than student loan), and always pay…
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Asda Credit Card shock
Slightly annoyed but thats life. Recently moved into a flat after a split with my GF and had to borrow on my CC for the deposit. With everything I ran up a bill of about £1300 which I was going to start paying off after xmas. My card has a £4k limit. Got a letter yesterday dated the 12th saying they were reviewing my…
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lost 0% rate due to late payments...
hi all, my first 2 payments were late on a Virgin card and it looks like the standard interest rate is now been charged. i know its my fault, had set up a DD but to late it looks like given that the cash took 4 days to get from one account to the other - lesson learnt. my question is have i got a chance of getting the 0%…
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Should I be worried
Not sure if this is the correct place for this. This week I got a Littlewoods catalogue through which I have not requested nor want.(would never buy from a catalogue). Have checked by Equifax file and Littlewoods carried out two searches on 28th November. Should I just ring Littlewoods and tell them I don't want it.
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mbna 0% to 34.9%
took out the mbna credit card with o% balance transfer deal, time was up earlier in the year and they put the apr up to 22%. just recieved a letter from them saying outting it up to 34.9% in new year. cant get a loan or cc transfer anywhere else, has anyone any ideas.
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Beware: BMI Baby credit card
Beware when signing up for a BMI Baby credit card which is what I did at the end of last year. They lure you with the promise of a free return flight to Europe when booked within the next 6 months when first using your credit card. I did this then received an email saying I could book a flight subject to availability. I…
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Earnie !
MBNA keep sending me cheques for interest free loans. Last one is or up to £13k until March 2008. It works out an interest rate of 2.5% ...cheque fee ... So have invested it into premium bonds ....might get the million ! :o
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New Abbey offer from 3/12/07
Haven't seen this on here yet, Abbey have a revised offer on their credit cards for new applications from Monday: For new card holders: 13 months 0% BT (was 12 months), either 2.5% or 3% fee, not sure which 5% cashback on supermarket shopping until July 2008, to max $50 For existing MBNA/Abbey card holders: 9 months 0% BT…
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Capital One & Vanquis: A Snapshot
Hi Everyone, I have been a lurker on these forums for a good year or so and partake in a few conversations, but nothing huge. Today, I make my own thread. I have been a customer of Capital One for 14 months, and Vanquis for 5 months. I have good relationships with both, and always clear my balance in full each month. I…
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Natwest Card Confusion
I was hoping that someone could explain to me why the following was happening with my Natwest card as it is confusing me a little. On October 15th I went £1.60 over my limit, on October 18th my interest gets taken and also an over limit fee of £12 was added which I accepted as it was my own fault why I went over limit. I…