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Hsbc Cc-5.9%
HI, i recieved a letter from HSBC, i cana have my balance transfer at 5.9% for 6 months. and their is 2% as balance transfer fee. first i thought it was a good deal, and thought i will transfer my balance to it. but when i thought again i will be charged 5.9+4%=9.9%. so i will be paying 9.9% . So this is the catch? or am i…
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VA Amex - Need Help with my sums!
We JUST received our new White Amex cards tonight. We didnt even consider the black card but now Im not too sure. We had the Virgin Mastercard (because airmiles are of utmost importance to us, me being American). We converted to the Amex because the mastercard will no longer provide miles for spending. Here's the lowdown:…
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late payment charges
good evening all this is our first post on here just to say that i sent all my card statements for june (3num) in view of the oft ruling on unfair and bad practice of £20.00 charges got a letter from capital one basicly saying take a run and jump we make the rules not the oft another letter from morgan stanley saying they…
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Using CC Balance Tranfer for Consumer Protection
I have bought something on Ebay that allows bank transfer or cheque payment but not Paypal. If I use credit card bill payment (balance transfer) or a credit card cheque will I get the same consumer protection that I would have had if I had been able to pay by credit card? The sum involved is over £100.
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Halifax are behaving like loan sharks
For over a year now I have had a promo rate from Halifax of 6.9% interest on my credit card for the life of the balance after I transferred some money onto that card. I have never used the card for any other purchases, I have never missed a payment or been late with one but now they just tell me they have decided not to…
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Advice needed, first time credit card in my own right.
Although I have held a second credit card on my husband's account for many years I am now in the position of applying for cards in my own right. I have already applied for Halifax Visa but am not impressed as the cashback which was standing at a mingy 0.5% has now apparently been removed completely. Therefore I am looking…
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Cancelled repayment cover?
Hi all, I have this morning cancelled my repayment cover on my halifax cc owe over £4k so was paying out over £30 per month just for this, and I don't work so there is no point in paying out extra, however the strange thing is I have never worked since having this card and its not something I would have applied for so am…
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New trick to catch you out - MBNA
It appears MBNA have another catch when you take transfer or cash payment from them. I took them up on an offer to have a few thousand interest free for 6 months. This was with a £50 capped fee so it seemed a bargain. This was just over 6 months ago. My account was clear before the transfer, and I never used it for any…
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Min payment on 0%
Hello, I am new to this credit card 0% business and am a little confused. I hope somebody can help me? basically if the min payment per month is £3% of the outstanding balance, do I still pay 3% on a 0% deal or would I pay the lower figuer of £5 like most cc seem to have in their terms and cons. I hope I have made myslef…
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Do bank have rights to demand money once the account is closed with balance settled?
Hi I am in a strange situation require your some advice. I had a credit card on which I took some balance transfer (around £1000) couple of years back. Due to some internal problems the issuing bank petrformed the balance transfer, but failed to charge the same on my account. Hence the balance showing on my statement was…
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what is stoozing
sorry to sund stupid, but ive no idea what it means....thanks
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American Express- Changing 'Life of Balance' Transfer Rate Terms - Unfair?
Sometime ago I took advantage of an American Express balance transfer offer which went something like so-many % (6 something I think, but I definitely know it was a single figure), but more importantly, the offer stated that the interest rate was for the life of the balance (ie as long as the balance was outstanding, it…
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How Do I get money off card
I am £125 in credit on a halifax credit card due to a payment made back to the card. What is the best way to get this money off the card without being charged for doing it.Sorry if this is a silly question but I am new to all this. :beer:
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Marbles/PC World CC
I dont know if you are aware but this card offers 0% on balance transfers for 6 months. I picked up a leaflet from my nearest PC Wrold store this morning. http://www.marbles.com/pcworld/?ad=XLPC&COUP=IAJ Hope this is useful for those looking to do a BT.
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Stroud & Simpson warning, now charging BT fee!!
I just got the following on my statement, "From 1st July 2006, any BT 's made to your card during the 0% promotional period will be charged a fee of 2%, £5 min, £100 max. No fee will be charged once you have reached the end of your promotional period" I made a BT on 4th July, was told there would be a fee & told them that…
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0% CC for a 10K Car Purchase?
I am about to buy a car for around 10K'ish. Wondering what peoples thoughts are on using one of the 0% cards for this? What is the average credit limit? My thoughts are I just pay of as much as I can quickly, and move cards as the 0% offer runs out. Or would I be better just looking for a regular personal loan with a good…
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I think I get this
Sorry to be painful, but need some advice. I have just ordered my credit report on my 30 day free trial from experian. I have just clicked about stoozing! I have quiet a few credit cards all with nothing on them. I will have to cancel them all and start again? what i was hoping to do was use the capital to offset against…
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if i destroyed and disposed of a credit card....
will the company ask for information on it/reqiure it back? :confused: I became debt free 9/06/06 and one card i have cancelled and closed but the one i have now (was only open 2 months before becoming debt free) i have just left sat there and i put stuff on it (ie £20 or less) in the month then cleared it when the…
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Card Insurance against loss or theft.
I'm travelling for the next few weeks, and have opened a nationwide account fot their good deal on currency conversion. I dont have any insurance just for credit card theft - you know the sort of thing that each card hold trys to sell you from time to time. Is it necessary? If so who does it best? thanks
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GE money Everyday card
Please could you answer the following questions for me as I have never had a credit card before and Im interesed GE money Everyday card If I spend say £50 on food and £20 on petrol every week at local stores ie Asda, Morrisons, Tesco. total monthly bill £280. Once a month I pay the card off in full, would I rec £8.40 in a…