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I want to buy something on credit card but on payment plan
I got into a bit of trouble with Mint, am paying off £1 per month. Current balance £3104 credit limit £3200. I need to get my daughter a new car seat which costs £80 - I'll have to order it online, I have £40 cash, and my sis is putting £40 towards seat, so will be able to pay card back tomorrow. I don't5 have a debit card…
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how do you close account ?
I am paying off my credit cards in a week or so.(big balance)with the card being at maximum i have not been too worried about cc fraud. Is it possible to suspend the account straight away to ensure it is not used. I am worried that they may ask for written confirmation and the card may be used in the meantime,we are having…
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to bt or not
nat west have offered me alife time BT at 6.9% plus a 3% fee. the BT i want to do is quiet large would it be better to take a loan at 6.9%. because the actual interest charged will be higher as the retail balance is 18.9% and the 3% will be at that rate. any advice
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help
Could anyone please help! I was made redunat in May and have a Barclaycars now I have been paying the min payment since then but I am starting to strusggle as I am still not working. I have called Barclaycard and explained my situation and asked if they could work something out with me for the next few months until I find…
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Please can someone help me through the minefield...
I'm so confused by all this and having some money issues so if anyone can help me I'd be more than grateful :) I have a balance of about £500 on a Natwest Credit card and the interest free period expires in mid January, so I am looking to transfer the balance. I applied for a barclaycard and got it with a £1000 credit…
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What should I do
Hi guys, ok when i was younger I was crap with money and credit cards and defaulted, over the years they have all dropped off my file and im older and wiser now, so when the defaults did dropp of my file I got the high apr ones to build my file back up, I have a Capt 1 (200 Limit) for the past two years owe nothing on it…
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barcalycard platinum balance transfer question
just got this card and wondering if i can transfer the balance from somebody else's card onto it?
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mbna new terms and conditions
hi folks just got new terms and conditions from mbna this morning,and was wondering if anyione could help my understand them not too good at this sort of thing. the first one being the interest rate is going up to 18.9% i understand that the second one is the change to the minimum payment it states that its changing to…
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TV presenter living on the streets
Check this story out: http://www.theargus.co.uk/news/generalnews/display.var.%201901249.0.former_tv_star_reduced_to_living_rough_in_hove.php This guy was a 100k TV presenter who took on too much credit card debt. The cards swallowed him up, destroyed his marriage and forced him to sell his house. Now he lives on a park…
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Ulster Bank got % period end wrong
Just a little warning to Ulster Bank customers: check your statements carefully. I received my statement this morning, expecting it to be zero. (I have already written to close my account). I was surprised to find that I had been charged a small amount of interest. For a fleeting moment I considered paying it but then…
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Morgan Stanley / Goldfish "moving the goalposts"
Hello, I took out a Morgan Stanley card in February to use for a balance transfer because they were offering a long term 3.9% interest rate with only a 1% fee for the transfer. I've now had a letter from Goldfish who seem to have taken over the MS credit card telling me that the rate is going up next month to what looks…
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Morgan Stanley Cashback Card (now Goldfish)
My anniversary date is up next month and I haven't heard anything from them about whether or not they will be charging me the £20 annual fee. I understood they had to give some notice in order that I would have the option to cancel the card before having to pay the fee. Does anyone know anything about this, or have you…
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The Credit Card song
Oh the woes of credit cards...For light relief check out the 'The Never Never' by Old Man Pie: http://www.youtube.com/watch?v=2JwdIWjVHaU A song about credit card spending!
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Balance transfer from Ulster Bank
I recently read the article about balance transferring and wanted to do this. I order a Barcleycard Platinum with 0% for 14 months with a 2.5% transfer fee. Whenever I rang up they said they can't do balance transfers with Ulster Bank (something to do with their BACS) Has anyone done a balance transfer from Ulster Bank, if…
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Credit Card Help
Hi Am looking for some advice re my credit card. I have had a payment plan with Barclaycard for about a year paying £20 per month which was supposed to be until June 2008. A few days ago I recieved a letter from them informing me that as I had been such a good customer and always payed on time they were kindly reissuing me…
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Help, I'm pulling my hair out!
In August/September 2007, 'Capital One' kept sending me letters saying that as a loyal customer, they were offering me a 0% balance transfer deal. My existing 0% deal with another company was due to expire in just over a month, so I phoned and arranged for the outstanding balance to be transferred to the new 0% deal, I…
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Help!
Hi I currently have two credit cards, one with MBNA (£6000) and one with Abbey (£2000) I am really trying this year to pay all of debts off as also have a couple of loans. MBNA card I seem to be making no progress at all with as just paying montlhy payments seems to just cover the interest I am charged, I have just…
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MBNA New Rate 34.9%
Hi, I'm new to the board but have been reading it for some time. Anyway I've just had a letter from MBNA re new terms and conditions. The new rate is 34.9% from 24.9%. This is a very heavy jump. I did miss a couple of payments during the year but have managed to get up to date. Owe then about £15K. I think next year is…
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Credit Card Fraud
Hi First time post, need some advice please. I've been using Skycard for the past 4-5 months taking advantage of their 6 month interest credit free period and just rang their customer services to change direct debit from minimum to full payment to clear the outstanding balance as moving to morgan stanley as better cashback…
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ppi
hi i am new to here and just trying to sort out my debt. have just admitted to my fiance the extent of it all and he lovingly is going to help me pay it off. I have just over 8000 and we hope to have it paid off by next december.:beer: its going to be hard, but i am going to go for it!!! Anyhow, i ad a ppi on a cc which i…