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Tesco or Sainsburys CC - Best Bonus
1st post so be gentle :o I have a standard Tesco Credit Card (original not one of the new deals) and also a Sainsburys Credit Card with cashback facility (use for life of balance transfer at moment). I'm going down the oneaccount route to save hard for a few years before twins goto uni :eek: so trying to find out which of…
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Which cashback card to get?
Hello I wondered if someone could tell me if my plan for credit cards is good. My husband and I have credit cards on same account and always pay in full. We pay about an average of £800 a month I think. So I thought we should get a Morgan Stanley card first and spend up to £2000 on this before May 1st for 3% cashback. Then…
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Turned down for Capital One
I was going for the capital One on Martin's recommendation for the id theft protection, but got a letter today turning me down. I have just recently got M&S, to which I am transferring from my Morgan Stanley card teach month (ALL spending goes on this card) and paying all the money into the mortgage as a kind of informal…
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applying for more credit cards
Hi, basically i have just sent off my paperwork for my hsbc card so i can balance transfer my cahoot credit card to this to take advantage of the 0% till april 2008 and get it payed off i also have a cahoot loan which has a balance of approx £6200 but i want to use the egg money and m&s card to get this balance transferred…
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BT clarification for cashback user...
I have an old A & L cashback card (always paid off in full) that is offering a BT at 3.9% until 1 August 07. Assuming I spend circa £500 pm on the CC and continue to pay it off in full, do a BT in March for £400 and pay an additional £67 off the card from March until August, am I correct in assuming that I will only be…
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how do I find out what cards I have
Is there a way of finding out what credit cards I actually have registed in my name? I know that there have been times when I have applied and got one because of a freebie, but then I never used the card and cut it up. However, I never actually cancelled them. How do I find out what they are so that I can cancel them and…
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Morgan Stanley
Hi, i currently have a morgan stanley credit car to which i have become very unhappy with, i have had the card for several years upto 6 years, i maxed it out once and paid it off, and didn't learn my mistake and went and done it again!! maybe over a year ago my direct debit was rejected 3 times, ever since they refuse to…
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HBOS '59 days'....
This is a ''How can they get away with it?'' type question. My BOS Unison card says 'up to 59 days' IFP (interest-free period) Yet the 'payment date' is always just 25 days after the statement. Add 25 to 31 (longest month) and you get '56' days. When I made a payment one date 'late' this month - that's 26 days after the…
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Capital One Interest Charges
Has anyone had any luck at getting these waived? I paid my bill before the due date in full ... or so I thought. Today I get a bill and I've been smacked with £3.83 in Interest charges because I paid £140.90 instead of £140.92. Apparently the system automatically charges interest because I haven't paid in full and no they…
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Barclaycard query.
I have been chipping away very very hard at my Barclaycard balance over the past year, going from a balance of £8400 to £3200. I've also reduced my limit accordingly. My question is, that as it is a Platinum at what point does it cease to be Platinum and become something else, and how do they go about this? (By the way,…
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Refused for credit again - Problems with Electoral Roll
Hi, this is my first post here. Hope to get some advice. So here is the story. I moved to new address in February 2005. Straight away i have registered on Electoral Roll. And i could see myself on the credit report at Experian as amended at the present address from April 2005. Then i subscribed to Equifax too. And they…
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AOL Credit card
I am thinking of applying for the Aol credit card, which gives you free aol time. However it gives you 1 point for every pound spent. What i don't understand is do you have to save up all your points and redeem them in one go to get a free month or can you redeem say half of them so as you only pay 1/2 price monthly…
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Barclaycard - Balance Transfers for life of balance assistance please
Hi all Barclays send me my new card today as signed up for 0% BT for 12mths, limit given as £850, not as much as I would have liked up anyway. So phoned to activate it and they said either £23 B/T fee for transfer of £761 for 12 months or LOB at 6.9%. I asked if i would be able to pay off or be seen to be paying off as…
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No credit history & how many is too many applications?
My 23 y/o OH has never had a credit card & has virtually no credit history at all but would like to move his student overdraft onto a 0% or low rate card as they has started to charge him 15.9% interest on it. He applied for an Egg card but was refused as he has no credit history & his overdraft has been at the same level…
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CC Broker...payment 50 pound...mate sucked in
hi sorry if this has a thread i did search but cant find one im posting for my friend as i have been trying to help her get out of a hole she put her self in in december she was stugleing for money an called one of these companies that gaurentee u a CC....they asked for a fee of £50 sayin that as soon as we get the monies…
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Morgan Stanley Cashback card
I have just received the above card and when I asked how long the 3% cashback offer would be valid for I was told until 1st April. This seem s a bit mean as it is the 20th January!! So instead of getting three months, I will be getting two months and a bit - bit disappointing!
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HSBC have removed 3months of my interest free B/T period
Received letter in post this morning informing me that my 0% balance transfer period now ends on the 1st Jan 2008 not the 2nd April that i signed up for,also it says "we would like to assure you that we are not changing your promotional rates,or any promotional period that you may be eligible for",anyone else had this or…
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I'm credit card fuzzled
Please help me to see if I have this right: I owe £1400 on my card at 15.9% If my husband took a new card, which is 0% on balance transfers for 12 mths and borrowed £2000 (fee £40) He could then have that £2000 transfered into our current bank account, then clear off my debt of £1400 (@15.9%) Which would leave us with £600…
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Want new credit card, will new contract mobile effect chances? Need help 2 find CC
Hi, I don't have much credit history, really struggled to get a credit card, in the end my bank gave in (after many calls!) I've got a Natwest Mastercard. My 0% has just run out, I don't have anything outstanding or debts that need transfering, but i'd like a new credit card with 0%. I've had my current one 6 months and…
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Harrassment From Capital One & Monument - Advice Pls
My bother-In law has outstanding balances with Capital One and Monument (amounting to £500 and £2800). He has been unable to work due to a back injury for more than a year, and wrote to both these companies to advise them that he was having financial difficulties, asked for any interest to stop being applied to the…