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MBNA (will give anyone a card!)
Well for all those of you who are wondering which company gives out cards the easiest.....the winner without doubt is MBNA. My 21 year old mentally disabled son was with my ex-husband in Glasgow airport when he was stopped by a canvasser and offered a credit card. My son couldn't answer the questions asked (and it would…
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AMEX DROPPING CASHBACK RATES
Just been tipped off Amex is dropping cashback rates on Blue and Platinum cards. No need to worry as it isn't happening just yet (Oct), I've had a scan on the new rates and they're not disasterous, still topping the table for most things. I will update my article in the next few days (when i've finished balance transfers)…
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Partnership Card
Just wondering whether anyone has applied for John Lewis Partnership Card. I have just applied for an upgrade from my Waitrose Storecard to Partnership Card and have still not heard from them. I have no balance on my store credit (Limit £1250) and am wondering what my Partnership Card limit might be? Thanks.
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Barclaycard - GRIPE
Been with Barclaycard for 2 years now, and they are driving me bananas. Just for reference, I am 21 years old, Young Business Owner on PAYE income of 25k: I hold 3 Credit Cards Mint: 1.5K Credit Limit, 1k Balance on the 0% OFFER. MBNA: 2.5K Credit Limit, 10.9% flat rate card, no balance. Now comes to my gripe, Barclaycard…
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Card Protection Policy renewal – are they worth it
I’m starting to think if this policy is worth it. I have never ever used it and it has been increasing each and every year currently £16 per year with Barclaycard, covers the whole family though. Does anyone know of any cheaper policy’s out there? Are they really worth it? The T&C’s probably wouldn’t cover any normal event…
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HOW TO BUILD UP CASH LUMP SUM WITH NO PENALTIES?
Can anyone help me out here as I am confused.How can you build up money you want to transer to a bank account without paying penalities? I understand you can balance transfer from existing loans etc that give you 0% fixed period but with most cards this does not apply to cash advances and purchases? How are you supposed to…
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Hellp!!!!!!
I'm not sure what I've got myself into here and perhaps you more experienced SBTer's can help me. Not having any card debt, I decided to do a SBT with EGG @ 0% for 9 months, they opened an online account and I was able to transfer the credit limit (£4000) into my online savings a/c via my online bank a/c. And they only…
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Citi PLATINUM Visa
Quick question for all you experts out there ;D I applied for a Citi platinum Visa a week ago via the Citi Bank Website. I today received my 'agreement' to sign. On checking the terms and conditions I noticed to my horror that automatically, upon receiving your signed credit agreement, they charge to your card 'Payment…
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Mint SBT - Getting a higher credit limit
I took out the Mint card and got a limit of £2800. I phoned a few months later and they increased it to £3300. I have phoned them recently and they refused to increase anymore because they can only increase once every six months they said. However they said that if you can produce evidence of savings etc and send your…
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2nd Barclaycard
I currently have a Barclaycard Visa with quite a high (unused) limit. I requested (via my account) an accompanying Barclaycard Mastercard, as I thought it would be useful to have a Mastercard as well as a Visa. BC wrote to me offering the MC, but it would not be with a separate credit limit. Instead, I would need to…
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Urgent: Credit/Debit Card Purchase Insurance
:-/ I must begin by sayin what a fantastic resource this is! I'm glad i've finally made the effort to register. Right the question is regarding some credit card and debit cards which offer *free* purchase protection on "most" goods bought on them over £50. How the heck can they afford to do this when for example Dixons…
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Credit card balance transfer can you help?
A couple of months ago I opened a 0% interest account with MBNA and transferred the balance of my other card. I use my other card for purchases as this is a cheaper rate. My question is, can I now transfer the latest balance of my other card and not pay interest or would the offer only have been for the original balance…
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Credit Card Application 'Honesty Test'
::) I am doing the rounds at the moment shuffleing cards with 2 at the moment at 0% and noticed that some members have upto 10 cards on trhe go. My question is how honestly do you answer the question about how many cards you own? And, Does this affect whether the application is succesfull
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help required
Right I am new to this and I was hoping someone could help my mum save some money.... My sister (v irresponsible) started a student Barclaycard and ran up a debt of £400; my mum has now been paying it for a year and al she seems to be doing is just paying the interest and maybe £5 of the debt. I read an article on this…
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What happens if............
you apply for a card, agree a BT with them etc but do not sign the consent form when it arrives? I have applied for MBNA card (first time customer) and they have hit me with a £35 transfer fee, I questioned it but got nowhere. All I want to do now is do away with them. In fact I want to do away with credit card tarting -…
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Goldfish.... so slow.....zzzz
Just a warning if you want to do a balance transfer to Goldfish..... 6 weeks ago I applied for one of their credit cards so I could move a balance with a closing 0% deal. I was sent notification I could have one on 16/7/04. As of today I have no card and more importantly no BT. They tell me they have absolutely no idea…
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credit card cash
sorry if this seems stupid but.......... is it worth taking out a credit card with 0% and put all off the cash into a savings account then just paying back the minimum each month from my current account? also if i do this how do i transfer the money into the savings account because isnt there different rates for cash…
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Barclaycard & IF: More lost money
Just off the phone from Barclays, to say I'm livid understates it >:( 4-weeks ago (just before going on hols) I arranged a bal transfer from my new BCard to my IF card. As happened to Finish Rich, as described in his post, this money never arrived. I rang BCard on Sunday to query this and they said they'd look into it and…
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Sainsburys 0% card
Hello, I've got a Sainsburys card that allows 0% on purchases,which is fine. Though I would rather use the 0% for balance transfers from other cards. But they charge a higher rate for balance transfers. Is there any way i can get around their purchases only rule and really what are the benefits of the purchases only cards?…
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Dont use your EGG Card - get free Money!
Hi all done a search but can't find this... sorry if its been posted. Over past 18 months I have had an egg card and not really used it at all. On two separate occasions I have received emails saying spend £50 by XXX and we will give you £10. I've checked my statements and I got a credit in March and have just had another…