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MBNA balance transfers
I have £3k o/s on an Abbey cc that is on a 0% deal and due to expire in March. Am I right in saying that if I apply for an actual MBNA card (ie. the 0% til Feb 08 with 2% fee offer), they will let me transfer a balance from one MBNA card to another? Is the best way to do it: to apply for the new card first, not mention BT…
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Help Please
Hey Guys, I was wondering if someone could help. I am struggling to keep up with minimum payments on my credit cards. I have around 8! I need advice on what to do as the interest is building everyday and some have already been passed on to collection agencies. Can someone please advise me on how i should handle this…
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help paying off loans with cc's
Hi Peeps, Bit new to this so sorry if being thick I have a loan with halifax and a cc with egg I'm trying to pay off the loan ahead of schedule but am wondering if i'm better paying cash into the loan or paying amount off using egg card and utilising the standard 45 days interest free then paying the card off before the 45…
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3% or £5 - what does this mean?
Hey forgive me for being stupid but what exactly do credit card companies mean when they say minimum payment 3% or £5? I want to transfer £6000 to M&S so am I right in thinking that my minimum payment would be £180. Any help would be really appreciated!
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Credit card cash into your bank account
I want to transfer some money from one of my credit cards into my bank account. Let's just say the amount is £5,000 for now. What is the best way to get the lowest charges on this? I see the credit card cheques I have been given want 3% on the transfer across. :( Jon
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BOS to BOS
If I apply for Smart credit card will I be able to BT from my Great Ormand St card as they are both ran by Bank O Scotland ?
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Paypal Credit Card
I am on the hunt for my first credit card. Whilst I was on paypal.com I came across the PayPal Credit Card that offers: Benefits PayPal Credit Card Use it Online, Offline, Anytime ID Theft Assistance PayPal Credit Card Free Identity Theft Assistance and Internet Fraud Guarantee Balance Cancellation Cover PayPal Credit Card…
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Pre Paid Cards. Can Anyone Tell?
Hi, can you tell the difference between a pre paid credit card and an ordinary one? We need a credit card to put the fuel onto our hire car in Spain and Carjet say it must be done on a credit card. We have no credit cards and dont want any. Can I just use a pre paid one? TIA
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Intelligent Finance LOB card
Just a quick question for anybody who has successfully applied for this card online. How long did it take from filling in the online application form to actually receiving the card? I have recently sent back a credit agreement and am awaiting the card and related balance transfer. Also, did people applying for this card…
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3 wrongly spoiled my credit record.-pleeease help
Hi, sorry for long thread but i is imp to tell u guys in detail: I had 2 contrats with 3 starting from Jan 2006 - Dec 2006 and every month they were sending me bills clearly stating that:Previous balance : 50.00 Payments received: 50.00 CR Also,i didn't check properly into my bank statements as i had few DD with 3. In…
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Pay higher APR for better Cusomer Service..?
Just wondering if anyone here would consider paying say 1% or 2% more APR with another CC provider on if you knew their level of Customer Service would be better? Has anyone actually done this to get the better service..? T.
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HSBC 0% Balance Offer How Long To Arrive
I have been accepted for the HSBC 0% till April 2008 card about a week ago online but have heard nothing or received any paperwork yet....can anyone who has one or has been accepted recently tell how long theres took to arrive...thank you
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How much are points worth at Debenhams?
Just bought a sofa from Debenhams with my Debenhams credit card. The receipt says I've earned 650 points. Does anyone know what that's worth in the vouchers they send out (if anything)?
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Triton Credit Services
Hi Everyone. I am new here and just wondered if anyone has any advice for me. I am currently paying off my NatWest Credit Card and as I am currently abroad for a few months to get married I missed the payment last month but have paid them about a week ago. I received 2 messages on my mobile from pple asking me to call them…
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No credit history BUT a responsiable money handler...
Hello there, I want to apply for a credit card. I never had one before because I never really wanted one and now I do. I have been living in the uk for more then 7 years, which is how long I have my Barclays bank account. I was never ever overdrawn, I always manage me money very well and my income is now 25,000 pounds per…
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How long to wait between applications
I applied for a &MORE card back in Oct - which i got. I applied for a Smart Card on Saturday which got accepted. I'm thinking about applying for the Sainsbury Card - how long should i wait before making the application? Thanks as always
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get loan to pay off credit card?
Hi, i owe around £1000 on my credit card, to which i am paying off just over the minimum each month. I also have a bank loan which i have been paying off for 3 years (2 more years to pay) I have been offered a new loan, the new loan would be used to pay off the credit card debt & the rest of the excisting loan. The new…
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Unbelievable... 39.9% APR!
I have no idea how these people stay in business... In yesterday's post, I was unlucky enough to get an application form (with my name and address already filled in, no less) from VANQUIS CARD inviting me to apply for their "new" visa card, with all the bells and whistles... No 0% offer, no cashback, and a whopping 39.9%…
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Morgan Stanley Platinum
Hi, My Morgan Stanley Platinum card is due to come to an end (March). Although I missed out on the 3% offer I did enjoy the fact that I wasn't using my debit card or carrying cash around with me. Anyway does anyone know if MS or another provider will be launching another deal like this (currently MS offer 3% until March).…
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Credit card - will it help?
7 years as a student ago I got into such a mess with my finances that my credit card was actually cut into pieces and taken away by a man from Mastercard who came to my house!! Now I'm working I've managed to pay off all outstanding debts bar the student loan, and I really want to improve my credit rating again. Will…