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Barclaycard Initial
I am thinking of applying for a Barclaycard Initial card- I have a poor credit rating due to a Scottish Trust Deed. Although this is now settled, they are still on my account. Does anyone have any experience of this card and how lenient they are with accepting applications? Thanks Stella
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Annual Credit Report online
I'm new here - but wondered if anyone had read in the METRO paper today about a new website which comes online on June 2nd called https://www.annualcreditreport.co.uk? The report says 'shoppers are to be given free online access to their credit reports once a year. The online Credit Reporting Agency said the move should…
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Credit Ratings V Cutting Up The Credit Cards
Hello, Recently I have been lucky enough to be able to clear all my credit card and loan debts. As I never want to be in the position of being in the red, I am determined to never own a credit card or apply for a loan again. But I still have two credit cards (Halifax, Capital One) and one store card (Next)left over. When I…
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Balance Transfer Fees - Treated same as main card debt in terms of interest rate?
Just about to get a new card and balance transfer an amount from my existing card. As most new cards seem to charge a fee now, if I understand it right, say I transfer £5000 over the transfer fee will be added to the £5000 and the total (incl. transfer fee) will be charged at 0% until the end of the introductory agreement?
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Regarding Pre-Paid Credit Cards
Hello, :wave: :dance: Have you guys heard about pre-paid credit cards? Can you explain more of it to me, this seems to be my only option. I am setting up a shopping website and need a credit card but i'm unemployed and dont have anything close to a decent amout in my bank account! I have checked this website:…
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Apply for another card yet?
Hi, Some of the regulars may recall that I wanted to embark on my ‘stoozing adventure’ some months ago (around Dec/Jan). However, at that time, I did a lot of financial rearrangement. I dumped existing credit cards, obtained some new ones, changed my main bank account, opened various bank accounts to take advantage of…
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No Matter What I Buy My Balance is £0-00 - Goldfish CC
I have read that Goldfish security appears to have been breached but whether this is connected or not I don't know. Since the end of April every single transaction on my Goldfish card appears for a couple of days and then gets wiped off. Effectively leaving a balance of £0-00. My last statement in April had a balance of…
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FYI: 243,000 Hotels.com customers' credit card details exposed
Ernst & Young laptop loss exposes 243,000 Hotels.com customers "Recently, Hotels.com was informed by its outside auditor, Ernst & Young, that one of Ernst & Young's employees had his laptop computer stolen," Hotels.com told its customers in the letter. "Unfortunately, the computer contained certain information about…
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whats the best way of clearing catalogue debts ..card or loan?
could anyone help .. need to clear my numerous catalogue debts and not sure how to do this or what to use .. i have freemans la-redoute vertbaudet next and choice .... and instead of all these debts i want just one ... .....i have alot of credit available to me from these companys but feel restricted i can't use this…
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Can i.......
Pay a loan off with a credit card? I currently have a loan with the AA which finishes in about 3 years. In 2 weeks i might be jetting off to Ibiza for 4 month so i need to keep my monthly payments to a minimum. I was thinking of getting a new credit card with 0% interest for 6 months and using it to pay off my loan and pay…
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Nat West Bussiness card
Got a letter today saying they are stopping airmiles on my card.Fed up as I saw it as a reward for having to pay £25 for the card.Any ideas for the best card re rewards that is not for personnal use.We are only a small company and spend 1k to 2k per month and always pay off in full Ta
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i always make extra payments on credit card but hsbc
said that because i have a direct debit set up for minium payment when i make extra payment from my first direct it cancell out the minium paymnet when it is due all the credit card i have in past always take out the minium payment even though i make extra payments, bloody hsbc are crap company they seem to work on the old…
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Virgin CC - has this happened to anyone else?
My partner transfered an outstanding balance to a Virgin Creditcard so that he could benefit from 0% interest for 9 months. I have since found out that because he was a couple of days late with the first payment (not the best start!!) he has been charged interest at their standard rate for the whole amount for the whole…
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Egg money card
Just wondered if anyone can help me re the Egg Money card which is mentioned as a best buy cashback card for middle range spenders in one of the articles on this site. I have had a look at it and while the article says you get c1% cashback - I can't see it on the site. It only seems to mention cashback if you buy from…
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What credit card should i get?
Hello, I need some help well actually my girlfriend does! She wants a credit card but doesn't know what one to get? she's 18 and is always in her overdraft... what card would she be accepted for? Thank you :beer:
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Any ideas?
We have doing the balance transfer system on credit cards for about 18 months. Now in the situation that we can't get new cards/credit limit 'cos the old cards remain on credit history even tho no money is owed on them. Contacted all of the companies who say they will remove, waited 3 months, still there. So on paper it…
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Advice/ Help needed re:tranx from CC to current acc
Hi Everyone, I have a 0% card for tranx and purchases. I'm not sure though, how to transfer money from it into my current account, and if this still qualifies for 0%. Can anyone advise? cheers:confused:
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Sainsbury's refused me credit?! Why?
Hi I recently applied online to Sainsbury's for a credits card (the long interest free period on purchases attracted me) however it was refused. I have never missed a CC payment, I have a mortgage, 2 CC's an an overdraft (not even into my Over Draft) Only have £400 and £200 on my 2 credit cards and have had them for 2…
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6 free bottles of wine if you open Smile Visa card
Just had this email from Smile. Not the best card but maybe worth opening if you get some free wine! Looks like it is only open to Smile current account holders. [FONT=arial, sans-serif]We've teamed up with Visa to bring you a tip-top summer offer. If you open a smile Visa credit card before 30th June 2006 and spend £250…
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Barclaycard apply in Branch
Thinking of applying for a barclaycard. Has anyone recently applied for the card in Branch and avoided the Balance transfer fee? Ta