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An Open E-mail To Liverpool Victoria
I sent the following e-mail to Liverpool Victoria today "I am upset to hear you are changing the way you charge interest on cash withdrawals from March. This means even if you pay off in full you will pay interest. I thought I should warn you if you do this i will be wholeheartedly dumping my recommendation for you as best…
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Capital One woes - accessing online account after card cancelled.
My replacement card (to replace the card coming up to expiry date) went missing in the post last November so after reporting it - my account was stopped. I was issued with a new card and account number. However - I'm now forever barred from accessing my account online. Having been right to the top over this during a…
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Worth keeping?
I currenty have about 6-8 credit cards,but i am not sure as i have not used them for long time,so i cut them up? (i have since learned from here,it's best not to have anything unnecessary on my credit file) I am thinking of cancelling them properly,but how can i find out what cards i have,Experian AND Equifax? ,could i…
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Cancelling a credit card account...
Dear all, I have just phoned up Capital One and (after they've given me a lot of grief) managed to cancell an account with them. I did explain that the credit limit I had with them ( £200) was of no use to me. However, they were still nasty and said although they would cancell the account I was to send them the card back…
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Buying in dollars?
I'm going to New York next month, and was wondering which credit card I should get to get the best exchange rate and/or cashback? Thanks!
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To Much ??? For Stoozing
I,ve a problem that i thought would never arise. Me and the missis have been given a very high credit limit by FD on two different cards. When my EGG 0% runs out in May i am hoping to transfer the whole limit of one card and a proportion of the other card through EGG back to my offset account.This will fully cover my…
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MBNA Closed, no questions asked...
Rang up yesterday to 'close' my MBNA card with 12K limit on it, expecting to be passed to 'customer retention,' with a view to getting a cheap/free period of credit to stick in my savings account. I've been a customer with them for over 8 years - admittedly most of them in debt to them; only once used them to get 0%. Said…
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Credit Card Balance vs Loan
I am considering taking out a loan to replace my credit card balance @ approx £6,000. It apears the loan over 3 to 4 years would be slightly cheaper to repay, compared with a credit card balance that seems to be never dwindling.... your thoughts please..... Jon :)
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Spending abroad wisely?
Hi everybody, As Martin suggests I find paying with the credit cards (rather then debit ones) is the best option when it comes to spending abroad. Can anyone suggest a place a.s.a.p. (either a bank or a bureaux the change) where I can buy about 2,000 Euros with the credit AND avoid any outrageous commision? Many thanks,…
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Direct debits on visa
1899 will only register my numbers if I set up a direct debit on my visa/mastercard. Surely that is not a good idea. I did have a dd set up like that once and I got ripped off for a fair amount of £. The visa co said I couldn`t cancel the dd and neither could visa. Any suggestions?
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Barclaycard - Increasing Credit Limit
Blinking Barclaycard! I phoned them today to see if they'd up my credit limit from £500 measly pounds (which I've had with them for thirteen years! and they've given me the runaround yet again. I first phoned them about six months ago looking the 2.9% LOB deal and they said because I hadn't used the card in over two years…
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Credit Card PPI insurance Can you get out of it
Hi I have done as many have, but made one mistake took out PPI. As I pay the £200 a month to get me to the April end of 0% I have PPI taking a chunk of my money. How can I get rid of PPI.
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Credit Card Problems (Capital One)
I'm sorry that all figures are approximate, but here is the situation: My mother got into a mess with her Capital One (standard) card around 18 months ago. The credit limit is somewhere around 1500 pounds. It was the common story of ending up slightly over the limit only for the charges to spiral out of control. She went…
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Virgin, Balance Transfers, Retail Purchases & insanity
I recently got a Virgin CC (adminstered by MBNA) with 0% on Balance Transfers & cheque usage for which I used as large part to put into a high interest savings account I made one other transaction on it which I expected would accrue interest IF I didn't pay the transaction before the date on the Credit Card statement. I…
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Credit scoring problems
Can anyone please provide me with some tips to overcome a slight problem I have... I am 32, single, living in rented accomodation, with a decent job and a good salary. I have a current account and savings of a few thousand pounds. I have a personal loan owing about £8,000 and a credit card owing around £900. I have always…
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Credit scoring problems
Hello, I applied for nine credit cards six months ago all at 0% Balance Transfer rates. I was planning to swap cards constantly to get a 0% interest rate on debt until it was paid off. Unfortunately it hasn't worked out this way. My credit score must now be in trouble. I have no adverse credit history at all but cannot get…
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HSBC Credit card
I applied for this online Dec 5 - week later received a form for more details and returned it pronto. (Using wise advice from Martin to go for BT post Xmas). 1 week later got credit agreement to sign and my payslip and utility bill. Did that & posted pronto. Dec 28 got letter saying apps in progress and phone a number…
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Best Balance transfers: warning about MBNA range
There has been a quick update on this page this morning: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1093175749,54112, The update states there is no balance transfer fee. I looked at the MBNA Platinum Plus card last night and found it charges 2% for balance transfers unless you specify the balance transfer…
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American Express - charges to a closed account
Has anybody else experienced the problems I am having with American Express even after I have closed both my charge and credit accounts with them? I'm having great difficulty with AmEx at the moment with both my credit and charge card. I closed both accounts back in September 04 with balances cleared. Then in December 04…
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How long does it take for a payment to show up on your card?
I purchased my travel season ticket on my credit card on 1 December last year for £2500 and it still hasnt shown up on my credit card bill. Is there a time limit by which the train company has to seek payment? There is an advantage to this as I have an interest free loan from work which I pay back monthly, the money is…
