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Does anyone know........
Hi everyone, I have a crap credit rating and have recently applied for a capital one no hassle card.... Does anyone know if i get rejected for this card will they offer me the classic card?? Which i now understand would be more suited to someone with my credit rating.. ??? Or can anyone suggest a card that is almost…
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Freeserve/Wanadoo Marbles
I applied for a Freeserve Marbles Card last year and got 6 months interest free on BT's and purchases. That promotional period is now over and I'm currently paying 12.9% APR on my outstanding debt. Now Freeserve have become Wanadoo, they have released the Wanadoo Marbles card, again with 6 months at 0%, but only 9.9% APR…
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WARNING RE CHIPnPIN + CASH WITHDRAWALS ON CCs
Hi all Not sure if anyone's posted this before, and apologies if so BUT I thought it worth posting. When I've received a new credit card in the past, I've ripped up and thrown away the pin number that gets sent as well, the logic being that if I don't know the number, then I can't be lured into taking cash from an ATM -…
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NEW CAR PURCHASE VIA CREDIT CARD
Anybody recently purchased a brand new car and used a credit card to pay a significant part or all of the bill? Early responses appreciated please.
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Borrowing large amounts on credit cards
We are currently looking to borrow £40,000. We can either re-mortgage our house or a friend recommended looking into putting it on a interest free credit card for 12 months. This is for property development purposes therefore we would be looking to pay back any out-standing debt by this time next year. Would that be…
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Seriously Bad Rating......
Hello everyone :) I resently checked my credit rating on a website called checkmyfile.com and was given a very low score, in fact it actually said "you have scored the worse score of all" or something like that :-/ The actual score was 535 which i understand is very low.... How accurate are these sites? Is it possible for…
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Applying for as many CC as I can this month
Hi there, my employment contract comes to an end this month. will be a student again next month. I currently have 3 credit cards and am just thinking about applying for as many 0% interest free credit cards as I can this month (to help me when I'm a student), whilst I can technically and legally fill out the application…
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transferring balence
hi all. im a newbie. i have a question that someone might be able to help me with. i have got a HSBC credit card, and want to transfer the balence over to something else (i have read other threads, and egg seems a good one?) anyway, CAN i transfer a bank credit card to another one?? and will my credit rating be affected?…
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I am thinking of getting a new credit card.....
the idea is, if i get a Tesco one, i can pile a months shopping on it, and pay it off in full at the end of the month. I will get extra points for doing so, and i might get a bit of extra interest on my retained cash in the bank. The options i can have are : Tesco MasterCard Classic Tesco Visa Classic Unfortunately my…
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Highest rate for foreign purchases
OK I know this defeats the whole object of money saving, but which credit card charges the highest for foreign transactions / purchases? There is some sort of logic to my madness. For business expenses I get my money back. I have to travel ofen and pay for hotels, restaurant bills, etc via credit card, which are refunded…
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Reminder: Halifax Free Cash £50 cardholders
Can you believe it’s almost nine months since the £50 free cash Halifax loophole? Well if you can’t you should do. Nine months 0% offer length, so if you’ve debts on the card, it’s time to balance transfer it away, and stop using it for spending. Best Balance Transfer article, Best Card for Purchases article.
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BA American Express Card
Does anyone have any experiance of amrican express BA keep sending me pre-approved forms for there BA American Express Card buti'm alwys suspicous of pre-approved offers,but i was tempted by this for the airmiles programi i am already in. The thing that has put me off is people i have spoken to say american express is the…
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Accucard
Does anyone know if Accucard offers extended 0% when current offer expires? Is it worth giving them a ring? ::)
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Morgan Stanley (referal to SAV CREDIT)
Just thought i would warn people about completing an application for a Morgan Stanley card at the end it says if we reject ou we will pass your details to SAV CREDIT. If you do not reject this option your details will end up with Halifax Card Services as SAV CREDIT is the brand name for the AQUA CARD and it is fully run…
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Halifax One - compensation?
I'd really like input on this which is why I asked it as a separate query and not as an add on to my previous thread. Please someone advise if possible? Condensed story so far: MBNA made a transfer of £4000 and then £1900 to Halifax credit card by error - it should have gone to Halifax current account. Not a problem say…
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Quickest balance transfer
Does anybody know how long it should take for a balance transfer to happen? Or maybe what the quickest method of doing it is, ie credit card cheques, phoning the card company etc? I have a two week slot that i want to juggle a loan and a credit card, before the monthly payments are due onto my new barclaycard. When i do a…
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Halifax cheque 3.9%
Halifax c/c have sent cheque for 3.9% life of balance. Have to replace car early next yr, would it be worth putting £10,000 from Halifax into Ing a/c which is paying 4.85% before tax & leave it there until needed or waiting until next yr & take pot luck with any offers then. I have until 20/8 to take this offer up. The…
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Payments to Paypal
Do payments from all Credit Cards to Paypal count as purchases or cash advances, does anybody know?
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Topping up my egg card
I've just realised that once I've paid my minimum payment on my Egg card, my balance will be £100 or so short of my credit limit. To avert this appalling scenario I was planning on SBTing the £100 back to my current account. Is there any reason, other than the fact that I'm blatantly taking the !!!!!!, that I shouldn't do…
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Get out of credit card debt
** We dislike Pyramid Schemes for a start, and those that are USA based pretty much complete the perfect post of what is not acceptable here Edited by Mod2 **