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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…
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Transfering a balance
I have just over £ 500 on 2 credit cards,I just wondered if anyone knew of any good card companys who do good balance transfer deals? Plus i'am having difficulty getting a new card as i have missed a few payments on my cards thus occuring slightly bad credit score,Anyone know of a company who takes on customers with a…
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is there any 0% bt cards if you have a default on your credit file?
Hi I have a default on my credit file ( that I will dispute when I read here on how to do it) and I need a 0% rate balance transfer card for about 3k if possible. Any suggestions except msba as they have always turned me down. Thanks
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Cancelling Cards - How long
I recently cancelled one of my credit cards, how long does it take to reflect on my credit rating?
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Help with credit report please!
Hi I hope someone can help. I have just received my experian credit report after being turned down for a A&L bank account based on my credit file. I had a egg credit card in 1999 and ran up a debt when I lost my job, before it went to a debt agency my brother loaned me the money to pay the amount off in full. This is now…
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Bank Charges
Hi Im pretty new to this, but Ive seen that you can claim back charges for late payments etc, but can you claim back charges for going over an agreed overdraft limit or the limit on a credit card? And how? Ive was only over by a little bit for a few days. Thanks for any info anyone can give. x
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Help
Bit longwinded this, but I am hoping someone might be able to help. A couple of years ago, I took out a Mint card. Had problems at first, in that they kept getting some of my personal details wrong, but I thought it was sorted out. This was until last year, when I got a phonecall at work (not happy about that) telling me I…
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How to make Abbey Credit Card payments???
I have just got an Abbey credit card with which I have super balance transferred my girlfriends overdraft onto so we can start to eat into it without it growing with interest each month. When I log into the Abbey Credit Card services online I have the options to make a payment from a Visa Electron or a Visa Delta debit…
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Quicky help required. Tesco CC / BA miles.
Don't shop at Tesco's 'cos we haven't got one so I have no idea how the credit card / pluspoints work. Have a credit card and pluspoints card (came with car insurance) and am about to put a £6000 holiday on it. How many pluspoints will I get for this? Can I convert them straight away to BA miles or do I have to wait? Says…
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Credit Card For Purchases
hi I am new to this so sorry if this thread has already been asked I am planning to go on holiday in november I have not got a credit card but would like to apply for one and pay for my flights etc on it I would like to also use it for purchases when in thailand I will not be paying it off immediatley but within 6-10…
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New credit card - your thoughts please.
I have been very concerned about my financial situation for a while now, but for the past month or so I have been making a huge effort to REALLY do something about it. I am not in debt as such. All I owe is around £1600 on my HSBC credit card, 9 months interest free, and I have the money to pay it off when that period…
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Application for a new cr.c.
Hi there, I'm about to apply for a new cr. card and do BT, they asking for bank details. Do I have to fill that bit in in order to get through? taj
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Company Barclaycard Trick (Warning)
We had our first statement from Company Barclaycard last month. When the account was set up we agreed that the minimum payment would be taken by DD and we could pay off the rest if we wanted to avoid interest (which we did). Statement came through for a total of £279 with a minimum payment of £14 so we paid another £265 to…
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Natwest credit cards - Am I being ripped off
Hello peeps newbie here :) Bit of a problem with Natwest that I hope you can help me with. I payed £50 off my Natwest credit card on monday 10th at my local Natwest(who I also bank with) . On my statemant it said I only had to make my payment by wednesday 12th. I checked my online banking today and I have been charged for…
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Mint Card - Changes to T&C's
Stoozers will be aware from the Stoozing website that Mint are to discontinue their credit card cheques. However, I thought that those managing debt might be interested in one of their other 'variations' - due to be incorporated in the Mint card T&C's from 1 September 2006... Source: Notice of Variation to your Card…
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Egg Money - 1% Cashback on Loan Payment!
Doing some financial reorganisation of debts and have done som BT to my Egg Money card from Capital One (0% Sept 07) and Barclaycard (6.9% LOB) I then rang up Egg and asked them to transfer the positive balance to my Egg Loan to pay it off. On my next statement I had £77 cashback from the Loan balance transfer :T
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Credit Card debt help
Hi My mother last year got in to 12k of credit card debt. The banks as usual just give her loads of cards as she’s is a house owner and being a widow she thinks they are being nice!!! I am going travailing soon and have just found out she has got another credit card and already got £1.000 of debt in a mouth on it!! I was…