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Need low repayment 0% Card
Hi, I have been using a Virgin mastercard for a balance I am kinding of sitting on as I am concentrating on paying off more expensive debts. The 9months is almost up so I need another 0% card. It needs to be one with a low min repayment. The virgin card was only £5 per month min payment, although I now believe other MBNA…
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credit affected by previous owner of house?
is it true i can be affected by the bad debts of a previous owner of my house. if so that may be why ive been declined for 2 credit cards and one debit. also i would like to know if this cycle of decline from credit card companies would affect my credit rating. i applied for the credit cards over 12months apart. p.p.s the…
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Student Barclaycard Application - Shall I sign up? Any catches?
Turned 18 recently and have a bank account with Barclays, so, thought I should apply for their Student credit card. Most CC want you to have a job but this one seems ok for someone like me who is going to Uni and hasnt got a job atm that is but expecting to start in the next few weeks. Any other good cards out there for me…
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Reducing CC Interest
Hi guys, Wondered if any of you would be able to give me some advice. I don't want to sound insensitive as I have read many posts on here and many people are in a far worse situation than I am. Have CC debts of around 10k. Ran half of them up when I was 18 and the other half a couple of years later at uni. Monthly min…
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Time barred Items on Credit File
I have a time barred item on my credit report the default is dated June 3rd 2001, Shouldn't this have rolled off? Why is it still there? More annoying it is incorrect and so does not show on Experian or Equifax just Call Credit (bank fixed that few years ago) I am applying for a job, the bank will do a check so will the…
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CPP Card Protection
I have had this firms card protection for 6 years. The renewal has just come in for 3 further years - £44. Do I actually need this, their literature goes on about if my CC are stolen I am liable for the first £50 each day before I report them stolen. Anyone know if this policy is a waste of time? Thanks and sorry if I've…
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Capital One 0% Interest For Life
Hi, A few years ago Capital One had an offer on there platinum card where they gave 0% interest on a balance transfer for life. I got the card during that offer but never used it, Although i know they are no longer doing the offer on new customers, Is my card still Valid for the 0% interest???
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declined??? but good credit score?????
ok so i applied for my credit card 12months ago and for some reason they declined i looked at my credit report and it had nothing on it that could cause them to say no.??? and my score was good so i appealed and they said i could have a credit card now recently i applied for a credit card to transfer my balance over and…
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Halifax's 0% on purchases for 12 months
Can someone help me out with this? http://www.halifax.co.uk/creditcards/one_12_months_td.asp?source=995083 The way I read this, this means that as along as you keep up your minimum payment each month, all purchases within 12 months are interest free for that period. However this bit make me not so sure: Maximum 59 days for…
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Best 0% card for internet banking
I need to open up a new 0% balance transfer credit card soon and was wondering if anyone had any recommendations for ones with good internet banking sites. I currently have Egg, HSBC and ING accounts all of which have really good internet banking services but I've just had to close my Debenhams card because their site was…
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Egg Card and Quidco
Just noticed on Quidco that EGG / Quidco are offering £35 for every succesful application of the card. Don't know if there is any conditions you have to meet but it doesn't say anything so is it an easy way for £35? Won't let me apply for wife at moment and still says I have an Egg card that I got rid of years ago.
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Balance Transfer Fee
Hi I am looking at the Buy & Fly mastercard mentioned on this site as being good for balance transfers as the 2% fee is limited to £50. My question is about the way the fee is calculated. If I have debts spread out over a number of cards and transfer them all to this card, I presume then I will be charged 2% for each…
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Time needed to develop a good credit rating
I will be 18 next week and am looking for a credit card, not really to borrow on but perhaps for a bit of flexibility and for benefits such as discounts. I was particularly drawn towards the Virgin Card because of the 10% discount in stores but with the APR they have I can't imagine they would accept me. I will probably…
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should I take this cash
I have just had a phone call from MBNA My card is Virgin. The guy offered me a cash transfer on my card ...I can have £7500 untill April of 2008 at 1.9% and a transfer fee of £75.00 . I asked for one day to think about this . Interest will work out at £12.08 a month with the balance transfer of £75.00. I get a bill of…
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Virgin card BT: Can't BT from another MBNA card?
Hi. I was about to apply for the Virgin card with the 15 month BT. I had wanted to BT from an Alliance & Leicester card but in the small print of the Virgin application it says BTs can't be from other MBNA cards?:confused: On my A&L statement it does say the card is issued by MBNA Europe. I hadn't previously been aware of…
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Balance transfer from a loan
Hi All, I've got a cahoot flexible loan that I need to stop using. I have about 2500 to pay on it with 19.9% interest apr. I was thinking of getting 0% balance credit card but am unsure if I can transfer this balance to it or not? Any idea if I can or not? I want to get the balance transferred and cut the card up so I cam…
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Egg Card - Balance Transfer Question
A few months ago, I received a letter from Egg saying I could balance transfer to my egg card (green visa). The letter said that no fee would be charged but the transfer would incurr my standard rate of interest (10.9%). I actually paid off my overdraft using my egg card and indeed did not incurr a fee. This was at least 2…
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New Credit Card Deal Needed
Hi, I've read quite a few of the posts on here but cannot find one which is similar to my question, so sorry if this has been asked before. I Have a bad credit history but I'm dealing with my debts and proud of it. The biggest problem I have is that as I'm paying off the other debts I can only afford just above the monthly…
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What to about moving my CC debts
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Please help, 6 credit cards, almost £7,000 debt!!
I received an email about Barclaycards 0% on balance transfers for 14 months subject to a 2.5% handling fee. My friends have 6 credit cards, Capital One, 5.9% lob, £629.14 Citi Card 5.9% lob, £1,225.50 Barclaycard 5.9% lob, £1,193.43 Barclaycard 5.9% lob, £1,408.85 Barclaycard 5.9% lob, £1500.60 American Express 2.9% lob,…