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Balance Transfers to a joint account card
Hi everyone, Thinking about applying for the M&S card to pay off a loan via an Egg Money card where the account's in my wifes name but we both have cards on it. Can I balance transfer to a car that has my name on it but is actually on my wife's account? Or is she the only person who can do so? Ideally of course we would…
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Morgan Stanley!3.9 LOB, 1%fee,advice needed
Hi, i ve just been approved initially for a morgan stanley platinum - 3.9% LOB, CC with 1%fee for BTs, I need a loan of about 10-15k, for about 2-3years, however, can u let me know if: a) I have a MBNA CC which transfers, balances to current accounts, however I am in debit at the moment so there is a charge for BTS but if…
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Capital One balance transfer stitch up
Hi, A while back I made a balance transfer to Capital One which was 5% interest for the rate of the balance so I took advantage of the rate to clear my CC debts. Shortly after I (stupidly) made a couple of purchases, one for £380 and one for £137 approx and so I understand that I will be charged interest at the purchase…
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Marks & Spencer - fee free BT 0% for 6 mnts?
M& S I have seen here (See full list of major providers existing customer offers) that Marks & Spencer is offereing fee free 0% for 6 months balance transfer to exsiting customer. So i don't understand why when i rang them they said it is not available. If Martin or someone can confirm this or have i got it wrong.
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Prepaid Credit Card?
can i use prepaid credit card to deposit and withdraw the money from any where in the world and what does it annualy cost, or any thing differences on currency rates...? does they do credit check if you wanna apply for one of them..? any link please
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HSBC balance transfer 6 months not 9
Hi all, I took out the HSBC account 6 months ago which was advertised at 9 months 0% on balance transfers. However, shortly after opening this and receiving the T&C's it stated that it was only for 6 months. Again, shortly after this I received a further letter with additional T&C's stating that the previous was incorrect…
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Egg Card or Egg Money
What would be the best card to apply for out of Egg Card or Egg Money?
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Credit card limit
Hi Hope someone can help with a question regarding my credit card........ I havea limit that is not too high.....and I am happy with this..... I would like to buy a large item on my card... If I pay extra into the account above the credit limit will I still be able to buy the item ? and also will the item be covered or…
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Credit Limits - looks like I shot myself in the foot.
Came home yesterday to a letter from Barclaycard stating that they were reducing my limit because they were a 'responsible' lender (which does eg the question are they admitting they've been irresponsible in the past, lol!) Anyway wasn't really happy espeically as Barclaycard seems to be one of the very few ccs where you…
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Turned down for Amex!
Hi I applied for an Amex card the other day solely to use it for the cashback. (I buy a lot of things for work using my personal card & then get refunded so thought I may as well benefit!) Received a letter this morning to say I have been turned down as I didnt meet their credit score :mad: A bit confused though coz I've…
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Which CC has easy approval??
Hi guys, I want to apply for a credit card and am mainly interested in the following: 01. Marks & Spencer &More 02. Marriott Rewards VISA 03. American Express Mini Card 04. Morgan Stanley Buy & Fly! 05. Egg 06. Mint 07. RBS Classic Card 08. NatWest Classic MasterCard I have a decent credit score and want to from you guys…
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Is it safe to apply for another card?
I applied for a Morgan Stanley Platinum last sunday. This will be used for cashback purposes. No 'real' debt will be put on it. I've yet to learn whether i have been successful in getting it. Now....i also want to apply for a 0% purchase card......for getting the xmas presents. Would it be wise to apply for one so quickly…
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My loan, SBTs and my options....
As you can see by my sig i have a loan with £11.5k outstanding on. This depresses me! I should have never took it out. The thing i dislike about loans is the inflexibilty of them. Least with CCs you get a statement every month and can swap the debt around when you want. Now....i've read up on super balance transfers but…
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Price matching Credit Cards
Hi I used to have a Barclaycard which used to have an offer that if I found something cheaper within a month then they would refund the difference. I remember reading about some other cards which also did that, but can't seem to find any info here now. Does this kind of guarentee still exist on any cards? Thanks
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Does paid off in full loans affect your credit rating?
We have a sofa and a laptop loan to pay off(pay nothing for x amounts of months)....one by Jan and one by April but we will be able pay these off in full in the next few months. We need to apply for another credit card at some point as our egg card 0% has run out and our bank of scotland is running out in Jan......Is it…
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GE Money Everyday card
Hello all, I tried to apply for this card a couple of months ago. It offered 3% cashback on all petrol and groceries. I was refused. So, I set about discovering my credit rating. It turned out to be 960 out of 1000...? Anyway... I have just tried to find the link or site again, but can't anywhere. Has it been…
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Help Please - What is variable APR?
Does this mean they can change the APR at anytime? If so, I suppose the Halifax One card is not a good card to have... but it has been recommended to me. Also, what is the best card around for 0% on purchases and BT's, as this is what I am ultimately looking for. :confused: Thanks :p
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Debit On Card Problem
Just returned from Menorca (hi Pearl & Michael hope you retuned home OK). Intended to use my Nationwide credit card in the local village restaurant. Waiter takes card and returns "sorry we are having problems with our terminal". I pay cash. Checked account last night............amount for meal debited twice!!! No sig or…
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Good Eggs (credit card)
O.K Martin ,eggs rates are bad, but dont dump your egg card because of it,just use it for occassional great "privilage/cashback" offers which appear from time to time.In the summer they offered a 75% cashback deal on airport lounge passes.I had 3 airport lounge passes for a total of £12.75 which included unlimited drinks (…
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Manage M&S card online??
I have received this card for my 2nd year of slow stoozing but can't find where I can manage it online. I have used American Express, Nationwide and Sky cards before, and they could all be managed on-line. Have I now gone for a card where I can't do this??? Any help much appreciated :)