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Egg automated transaction check call
Got a phone call this morning from a withheld number, the voice sounded automated and I did think to hang up but having heard it was Egg and they had my name and number I thought it was worth listening too. Well it was asking me to confirm some recent transactions and while I was expecting a payment to be taken for around…
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Newbie question
Hi all, I was just wondering if it was possible to get a credit card on a 0% deal, empty it completely and put the money into a high interest savings account, then when the 0% deal ends, put all the money back on the credit card to pay it off. Would the lump sum withdrawal be seen as a purchase? Basically, I'm a little…
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Can Cap 1 renege on a life of balance deal??
I've had a life of balance transfer deal with Capital 1, 0.323% a month (about 3.9% p.a. I think) since Feb 04. Have never used the card and just kept paying off the £5,000 balance. All was well till August this year when Capital 1 wrote to say balance transfers were going up. I rang them to say "wait a minute, what about…
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vanquis credit card
Hi Just a quick question. I filled in the online application for them last week and it said they would get back to me and then a few hours later I received a Vanquis Bank Credit Card Agreement email which read............. Dear Ms My Name, Please find attached a copy of the Vanquis credit card Terms and Conditions which…
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American Express Platinum - Still the best???
Amex Platimum moneyback tiers and rates have been changed to: 0.5% for aggregate amounts up to £3,500 1.0% for aggregate amounts from £3,501 to £10,000 and 1.5% for aggregate amounts in excess of £10,001 Has anyone worked out whether this is still the best moneyback card now?:confused:
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A cautionary tale about MBNA
I signed up for an Alliance & Leicester card about a year ago to clear some debt I had at 0% for the year. I discovered when the card came that it was actually MBNA. I'd heard some nightmare stories surrounding them, however since the card was on 0%, I thought I'd keep with it. Last month, I was unfortunately two days late…
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Homebase 0, Me, 1
I don't normally on principle use store cards, but the bloke in Homebase just wouldn't go away and clearly wanted one more sale to make his daily target and presumably substantial bonus. So I got one didn't I, and used it. Of course there were all sorts of money saving offers on the basis of delayed repayment and lower…
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Homebase Store card opened without me applying - how do I complain?
In May, I saw from my Credit Expert account that I had allegedly opened a Homebase store card. Having looked into the dates and tracking back receipts, I realised that this was the day that I was handed a reward card when buying some paint. I was told to sign a form and complete my name and address. When I phoned to query…
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Students and Stoozing!?
Hey guys!! I'm a 20 year old Medical student in London.. My student loan comes in three times a year and I often have the vast majority left over sitting in my Natwest current acount (I'll be switching to Halifax soon :D ) However, I have a few queries regarding credit cards.. :mad: (sorry if they're basic!) firstly,…
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what is the average credit score?
i have applied for both my credit scores, from equifax, and experian i was just wondering what is the average score? :cool: what kind of score would you get turned down for credit card?:rolleyes:
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GE capital bank
does anyone know which credit reference agency these use, i know they provide the river island card, and was thinking of applying, but one credit ref is better than the other:p
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Aquacard
Hello I have recently applied for and been granted one of these cards.(aquacard) Has anyone else had dealings with them. I know they are high in interest etc but I am using it to build my poor credit rating back up. How long did it take for the card to arrive and what sorts of limits did other people get? Would be…
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Income and employment details
Hi i applied for a barclay card and got it but cant remember what i put in for the employment details , the problem is i am unemployed sort off lol , i am a care for my wife and son who are both disabled and my 2 other children . I want to apply for the M&S card with the 1 year 0% , but it says :- To apply for your &MORE…
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bloody halifax credit card
i ned help...................! i have a credit card with Halifax and my credit limit is £1600 but my balance is £2356, every month i pay the min which is about £47 but with interest and charges of £74 approx every month, so i phoned halifax up to see if they would freeze interest for 6 months so i could pay about £100 a…
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just turned down for GE Crdeit Card recommended by Martin
Hi, After receiving Martin's email newsletter I applied for the GE Credit Card and was very surprised to be turned down :eek: My HSBC card at 0% interest (debt 5k) expires November 15th so I am looking now to switch cards - I was obviously willing to pay their £50. fees so at least I had 12 months rather than faffing…
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Egg Anniversary Period
Hi All. My anniversay period if coming up and in anticipation of this I emailed Egg. They have told me that there is now a 2.5% handling fee with no upper limit. Mine is one of the cards taken out about 18 months ago. Does this mean the Egg CC and the anniversay period is now of no benefit to me. Thanks.
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Chargeback from Credit Card
Hi, I'm looking at buying a mini cooler but from looking at some threads on here (took ages to search :o ) I notice that the official thing is that for the Section 75 act to apply the purchase must be over £100. However, I'm buying it for £99 :wall: so does this mean I will have no additional protection or can I still get…
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Morgan Stanley Platinum
I've been trying in the past couple of weeks to sort out my CC situation and get lower interest rates.My intention is to get the balances cleared asap. Currently I have the following balances: RBOS MCard 17.9% £9916 Limit £10000 (Currently challenging rate as I am Royalties Gold customer - should be 14.9% *backdated*) HSBC…
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Rules on card cheques tightened
Thought this might be of interest to some. Article in the Beeb: http://news.bbc.co.uk/1/hi/business/5324520.stm
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Time between cancelling/applying
I currently have a Northern Rock/Co-Operative Bank credit card, but am planning to cancel it since they will be introducing a £2 monthly fee. I was turned down for a credit card last year, which was probably down to my low income. So if I cancel my current card, how long should I leave it before applying for another one?…