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Claiming Credit Card Late Payment Penalties
Brand new here, just this minute joined, what an amazing site! I am currenlty helping my student son reclaim charges from Lloyds bank, started out at around £50 overdrawn, is now almost £500:mad: Anyone have any dealings with Lloyds? I am going to try to reclaim my credit card late payment fees but am not sure where to…
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interest charges
hi can anyone help just paid off my egg card balance which i got from egg internet site way before payment was due and asked to cancel card just been informed by email that interest still owing due to time between payment clearing is this legal can i get out of paying as i feel like it is a rip off as i have paid in full…
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Can i transfer my o/d to a 0% int credit card
Hi there all, this is my first post, so i hope it's in the right place. Can i transfer my £2,600 overdraft over to a 0% interest credit card (like a balance transfer) and is it a good idea? We virtually live in our overdraft but we're paying about £30 each month on charges and interest, so rather than the bank have it, i…
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Build up Credit rating to get a credit card - aged 18
I turned 18 in march and havent had anything borrowed or any cards taken out in my name hence no credit score. How would i go about getting a credit card? ive got a debit account which has between 250-300 goin in a week yet still cant even get an agreed overdraft in that? thanks James
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Halifax offering me O% on purchases and B/T
Got a letter the other day saying that they were going to send me a C/C without any need for me to apply. I did used to have a Halifax card and don't rmemember if I still do, I have bundles of cards which I've used for the 0% in the past. They say I can have 9 months 0% BT plus a fee and 0% on purchases. Now I like to make…
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What would happen next?
Could you give me advice on what would happen next if I was to talk to my cc providers and say that I was struggling to meet the monthly amounts? Thank you
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Egg Card - cash advance fee - Virgin Games
Hi I just realised that when using my egg card to load money into my Virgin Games account i have been charged cash advance fee! They told me that using the card for gambling is classed as a cash advance! I only joined to get my quidco cashback. Steve
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A credit card with your own bank. Easier?
Hi all, Does anyone know if applying for a CC with your bank that you hold your accounts with (ie, current,savings) makes it more likely that you will get one? I have applied for M&S recently and been turned down and I really can't understand why as I only have one CC (as below) and I have a high credit score and a clear…
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Closed two accounts
Previously tried applying for a 0% interest card but was declined, I think because I have two other credit cards which I dont use, so i've now closed those accounts. How long do you think its safe before I retry my luck with another company for a 0%?
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Is it worth the fee?
I'm not sure how to work this out, I've just got a new card with a £4000 limit. Its 4.9% life of balance and I want to switch some money from a card I've got which is 6.9% life of balance, but there's a 3% fee, which I make to be £120. I cant pay it off for a while, maybe a couple of years, is it worth switching?
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0% Purchases workaround?
Hi all, Doing my usual card shuffling and was wondering if anybody has worked out a way to to access the 0% offer on purchases ie without actually buying anything? Surely you must be able to make it look like a payement either to an egg money card or similar, quite happy to be blasted out of the water for being thick but…
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Which banks own which c/c providers?
Hi Question in the title really...who owns which credit card providers - I recently applied and got Virgins 0% card and they informed my that I already had an Abbey card with them and did I want to cancel it (I did) - just got me wondering who owns what? Many Thanks
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bankruptcy/ creditrating
i was declared bankrupt in june 2003. I am now clear and have been since june 2004. iwould like to know how to repair my credit rating if possible. I have a basic barclays cash account which i tryed to upgrade to a current a/c but was refused but offered a barclaycard and accepted. i pay my barclaycard every month way over…
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Balance transfers to Bank Accounts
All the credit cards i've applied for recently seem to say they don;lt transfer to bank accounts,l i.e. they'll only transfer to another credit card. Is this the case? Is there any way around it?
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Blance transfer for existing customer RBS
Hi, I thought I'd do a balance transfer between my existing cards as I've been declined a new one by HSBC. Called up RBS and they said there is no balance transfer deal for existing customers however on Martins chart http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1102103277,92385, it says they do 6.9-7.9% LOB.…
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Time limit on chargeback on Section 75?
Does anyone know of a time limit legality on the use of a chargeback for a credit card? I purchased a custom made item from the states in June and was informed of a 6 to 12 week delivery time. The item has never turned up and I have had various promises of delivery and despatch, even a lost in the post, with the packaging…
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I need urget help and advice for my credit card
Hey all, I'm with halifax, am about 300-400 quid over my 1000 limit, im only a student and cant come anywhere close to payin my 50-60 quid minimum payments despite working all hours, i get a monthly charge of 25 quid over limit fee, and normally a 25 quid late/no payment fine. My question is, is there anyway to freeze this…
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MBNA From 16% to a whooping 28% (help)
Hello, my bank of scotland card was transfered to MBNA, about 1.5 years ago, i have been paying this balance off for a couple of years with no purchases, they have just increased my interest charges from 16% to 28%, thus i am paying an extra £60 interest per month in interest on top of the interest that they charge,…
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Being charged interest even though it's supposed to be 0%
I've got a GE money CC. Had it since August and it's supposed to have a 12 months 0% interest on both balance transfers and purchases, I've just noticed on this months statement I'm being charged interest of 1.02% on the balance transfer (it also happened last month, but I didn't look it at carefully then). How did that…
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Morgan Stanley Credit Card Interest Is Charged On The Full Balance
Hi Everyone, I thought I would inform you about how Morgan Stanley are calculating their interest on their credit cards, which I think no will realise. Last Christmas time my father got a Morgan Stanley credit card, as they were offering cash back on purchases. Can I also point out that my father always clears his bill…