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Credit Cards - Legalised Extortion?
We all know that credit cards are the work the devil himself. When not used extremely carefully they go about trying to suck the money out of your pockets just like mosquitos suck the blood out your body when you are sleeping... Want to share this with everyone and see if anyone has come across this. A couple on months ago…
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Surcharge on Holiday bookings when paying by CC
Was wondering if anyone knows whether holiday or credit card companies are entitled to incur a surcharge when making a booking? I've recently booked a holiday for a considerable amount of money and the tour operator has informed me that each payment made using a credit card will incur a 1% charge. I have heard that this is…
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Nationwide provides online Balance Transfers
Just come across this at Nationide re. their credit card: http://www.nationwide.co.uk/creditcard/using_the_card/transferring_your_balance.htm Go online, and there is now a new option to click on: 'Transfer a Balance'. You give the required 16 digit reference [not sure if debit cards will work - anyone?] and they are meant…
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Barclaycard Mastercard offer...
I've just transfered a balance off an MBNA card (the 0% offer ran out) onto the Capital One 4.9% life of balance offer. However I have just recieved a letter from Barclaycard offering me their Mastercard with a life balance rate of just 2.9%! There is an upfront charge of 2% for the balance transfer though. Anyone know…
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To Fee or Not to Fee ?!
I used MBNA last month to move £4,500 by phone. The man said there is a fee of £35; a minute later he said there wasn't and cancelled it! Yesterday did a smaller BT and again they said there is a fee (2%). When I queries this, they said that it is now 'the norm' to add a fee. It used to be 'no fee' if you did it online,…
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Goldfish changes IFP
Goldfish credit card are extending the interest-free period (IFP) for purchases from '+21' days to '+25' days -[from ''up to 52 days'' to ''up to 56 days''] probably to be in line with other Lloyds TSB, whose brand they now are. They are also putting up the 'Cash Advance' interest rate from 16.7 APR to 19.9 APR wef October…
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Which Card?
Hello :) At the moment i have an Electron Visa card from Lloyds TSB and want to start buying electrical items on the internet. Do i have any protection with a debit card or should i go for a credit card to get more protection if things go wrong? I would only use the card occasionally and would pay the balance off straight…
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Capital One Site Problems... Not Again?
Hi, Just wondering if anyone else is having problems with online access with Capital One? Been waiting for my payment to show and after waiting a week phoned for a balance and its been deducted... and... and... it looks like i've had some charges reversed after the last mess but can't confirm it because i can't see my…
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Balance transfer not showing
Hi Everyone. I have just transfered a balance from Capital One to Barclaycard. Now, I only got the Barclaycard a on Tuesday, but I requested the balance transfer when I sent back the credit agreement. The balance transfer amount is showing on the Barclaycard when I login to the online system and states a date of 16th…
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Egg card raising its rates again.
Looks like more penny pinching from egg. They are raising their cash advance fees to £2 or 2% & increasing their cash apr to 18.3%. Not that i'd ever draw cash on a credit card.
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Paying money into current account from new c/c?
In one of the articles on this site, Martin talks about using 0% credit cards to your advantage by transfering your credit limit to your high interest current account and keeping the 'profit' after the 6 months interest free period. My question is, how exactly does one do this? Martin mentions a bank transfer. Will the c/c…
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Spending Abroad
Having read Martin's excellent article on the best ways to spend abroad i have armed myself with a Nationwide card to use for my honeymoon in Mauritius. Anyone know where can i find details of the visa exchange rates, so i can check what rate i will be getting? Cheers all ;D
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barclaycard charges
Am fuming regarding added charges from Barclaycard. I went to lots of trouble to get my sister to pay a bill for me for Comet (through their store card which I was sold without explanation - another story). At long last I relented and bought a new PC. Wanting to get some sort of cashback or incentive the only thing I was…
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Credit scoring & number of credit cards
Just thought you might all like to know that Experian don't supply the number of open credit cards that any applicant has to ANY credit card issuer as part of their automated data stream. They do say how much unsecured debt you have and quite amusing given some of the advice on here, they also sent the number of recently…
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Experian Credit score
I've just taken out the 30 day trial with Experian and got my credit report + 'score' - cost £5.99, but I got the report for free and was curious... Bit surprised at my score - FAIR... I'm on the electoral register & have NEVER missed a CC payment. Only 3 searches in last 12 months... I thought I would have made 'Good'...…
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BMI Credit Card
Hi, Does anyone have any experience of this card: http://www.flybmi.com/bmi/en-gb/frequentflyers/diamondclubpartners/bmicreditcard.aspx It seems that they will give you 20000 air miles if you spend on the card within the first 90 days. It doesn't say that you have to buy flights or if there is a minimum spend amount to…
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MBNA credit limit
ive recently got an MBNA card on the 12month for BT's 0% offer. Ive been given 4k credit limit and was wondering about raising it. Should i ask them if they can raise it straight away? or should i wait? or indeed, do you think they'll raise it! Ive not got a bad credit history etc... Cheers Ears :-)
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MBNA I love you !
I currently have a Virgin card. 6.5k limit. I owe £1000 on it. I have a co-op card with 6k debt on with its 0% soon to expire. I've just applied for an Abbey card under MBNA. They accepted but only offered £3500 limit. damn. I called them, they offered to shift credit from my virgin card over to my new abbey card.…
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Need Advice - Credit Cards
Hello, My car needs repairing after an un-insured driver smashed into the rear of my car. The funds for repair will eventually come from the Motor Insurance Bureau but can take anything up to 8 months (2 months is normal). Could I get a 0% card and pay the £3700 repairs until the money comes back from the MIB? I am…
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Egg card? Car insurance due?
Just spotted this offer on car insurance on the Egg site: £50 cash back if you're an Egg Savings customer or when you pay for our motor cover with your Egg Card. Plus, pay in full with your Egg Card and get 0% interest for 12 months on your premium. 10% off for everyone who buys online. Don't know how their premiums…
