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Credit Cards and APR
Hi There, Newbie Here, I am hoping you can help, i believe that there was a law introduced to ensure that credit card companies have to show the APR on all statements. A couple of my card companies just state the monthly rate or in the instance where i have special rates (balance transfers etc) they say variances on the…
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Advice on doing a balance transfer
Hi, Looking to transfer my balance in the next couple of weeks which currently stands at just over £1800. Would it be better to apply online for the card and specify the amount i want to transfer from the start or apply for the card and transfer the balance once it has been approved, limit set etc?
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Abbey Credit Card.
Hi All New to this site but I got a letter in the post from Abbey National today that made me SO mad I had to come on and ask for some feedback. Now I don't own a credit card but do own an over draft that I am ALWAYS in. And I mean ALWAYS. I know that I need to change this and I will do with help from this site I hope. The…
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Paid CC twice last month - can't pay this month now
In my efforts to be extra efficient in paying our cc as soon as we had money at the end of last month, I have realised that I have paid both cc twice last month (one right at the beginning, second time right at the end), and now I don't have the money to pay this month - even the min balance figure :mad: :mad: . If I phone…
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Are Virgin MBNA allowed to do this?
I applied online for a Virgin MBNA credit card including three balance transfers from other cc's to take advantage of their 0% balance transfer offer. At the time of the application I entered all details (card numbers, amounts etc.) for the proposed balance transfers. A couple of weeks later I received a text message…
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Getting a second free credit report/cheap alternatives
Hello, I got a credit report online from Experian a couple of years ago, when I was applying for a mortgage, and stopped it before I had to start paying for it (free trial one, as Martin recommends from time to time). Anyway - I have had a few refusals on cards now, and whilst I doubt I have the most shining credit score,…
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Saga Platinum best for the 50s and over
I just have to give a plug for this card if your 50 or over. No interest on cash advances for 55 days (2% fee) Just like purchases if you pay of completely. 6 Months 0% on Balance transfers (2% Fee) 6 Months 0% on Purchases. Order of payments is complete reverse of other cards in that balances at HIGHER rates get paid off…
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If I transfer an balance from Abbey onto my Egg card?
Can I then transfer the money from the Egg into my bank account without being charged a fee by Egg? (Abbey are currently offering 6months 0% on balance transfers with no fee) TPA x
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VIRGIN % Hike to 34.9% but thats not the best bit!
Hi all I spotted a big change in my monthly interest rate for my Virgin Card and so decided to call them to discuss. They advised me that the rate has gone from 24.9% to 34.9% in March 2008. !! Now this is the interesting bit.. My Balance is £8,850.02 Credit Limit £9,000 Interest this month £250.73 Min Payment: £210.62 Now…
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Fraud - Lloyds TSB
Hi. Wonder if anyone can help. During March, my Lloyds TSB Amex card was used to make payments to an Italian energy company to the tune of £3k (Lloyds TSB allowed this to happen even tho my credit limit is £2k and continued to allow it to happen after I reported it!). I have made umpteen phone calls to them and each time I…
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Cashback question
No not that cashback. When you're at the checkout and you pay by credit card this counts as a purchase right? If you get cash out of the cash machine it is charged at a higher interest rate than this yes? The question I have is that, if when at the checkout the assistant asks, "do you want cashback?" will this be charged…
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Recommend a CC for my circumstances?
I would like to apply for a CC but don't know which? I obtained my credit file approx 12 months ago and there was nothing adverse on it, but, nothing to show a positive position either. Just a recent mobile phone application which has now run 15 months and no late payments. I had operated on a basic bank account for a…
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legal cover with credit cards
I have a family member who has got into deep trouble financially and with a marriage breakdown. There are mounting legal bills, they have several credit cards, is there an easy way of checking what legal insurance cover is offered with cards. Thanks byworth
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Currency - Euro - Abbey Zero Credit Card
I'm going to Spain in 6 weeks. Unfortunately I have no spending money, so intend increasing my overdraft, drawing the money out and then changing it for Euros. I will pay the overdraft off when I get back a little each month (probably over 2 or 3 months). I currently haven't used the overdraft, and my salary will pay it…
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WARNING - Skycard stole £2000 from my bank account
Skycard is in a mess. Please check your Skycard account if you have made a payment between 28th April and 2nd May. I made an online payment of £2000 to Skycard on 2nd May via my Skycard account. I had to query it as I got a message in red saying it was unable to process my payment even though the money had gone out of my…
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Credit Cards with travel insurance
Does anybody know where I can get a list of CCs which offer free travel insurance? Then I can compare them and see if they are of value to me. TIA
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Is it possible to go over my credit limit ?
If i didnt have enough in my account to complete a transaction would it go over the limit and charge me or would it refuse the transaction ? Thanks in advance.
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False information on Credit report.
I have recieved my experian credit report and have been knocked back by Virgin for a credit card due to my credit report. Basically after many phone calls I have apparently had an Alliance & Leicester card since 2000 of which I have failed to pay on numerous occasions up to 150 days late? the last transaction 2006? I have…
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Credit Improvement quick question?
When you submit a notice of disassociation do the credit agency write to the that person that you are disassociating from - want to get someone off my credit report but dont want them to use it as an excuse to contact me - does anyone know the answer phoned Experian and the helpdesk did not seem to know? :confused:
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CC Company chart
Can anyone direct me to a chart/list to show what credit card companies/fronts are run by what larger companies? i.e. what cards MBNA operate. I'm sure I saw a chart somwhere before but can't find it...? I had an egg card, then an MBNA now a mint card and I'm after another 0% purchases card for work expenses for when this…