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Tesco CC - online security request
I paid for goods on line using SecPay and after the payment went through I had a request pop up from Tesco personal finance to set up an on line transaction authorisation code. I ignored this on principal as it was from a third party and not initiated by me, but I'm 99% certain this was legit. Was it? Regards X
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Retailers charges on credit vs debit cards
My beloved and I are off shopping tomorrow to buy an engagement ring. Being a good money saving person, I suggested that he be prepared to haggle a bit, or at least try to get a discount for cash. I know retailers have to pay x% if you pay on a credit card. Do they also have to pay x% if you pay with a debit card? IE is…
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Default on CR but Barclaycard Increase Limit?
Hi have a default on my credit file, (currently being sort out) but 3 months ago, barclaycard up my limit from £400 to £700, (when i changed from a student card to a classic card) Does that mean that they dont use credit scoring with assessing limit increases?? :D Only payment history and account conduct i.e staying in the…
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Is this new - only 95% of credit limit with Egg?
Using Egg as a mule, £3K landed from M & S in the account on 31st May, giving me a positive balnace of £3k. Egg Anniversary started on 1st June. So did a BT for the full £15K credit limit to bank account. On 2nd June the balance was showing, logically as £12K, so tried to do a further BT of £3k. Got an email from Egg…
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Monthly Interest Has Pushed Me Over My Credit Limit
Hi, I have the brilliant Egg card and just recently took their 1.9% for three months offer up (it all adds up doesn't it!). I transferred my entire credit limit (£6000) off, and now today they've issued me with my June statement, including the £5 interest. However this now means by balance is £6005 - over my credit limit -…
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American Express Platinum Cashback Confusion
I apologise in advance if this has already been discussed but after lots of hunting around on this site and calling Amex, I couldnt get a straight answer. I am thinking about applying for the Amex Platinum card with the tiered cashback: . 0.5% for aggregate amounts up to £3,000; and . 1% for aggregate amounts from £3,001…
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How generous are M&S with Credit Limits?
Does anyone know how generous the M&S Card is with credit limits? (I guess you'll have to judge this in relation to the card limits on your other cards...) I normally get around £10,000 after I've asked them to match my highest existing limit. Has anyone succesfully got M&S to match their highest limit? And does anyone…
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MBNA to M&S to MBNA again?
Was wondering if I could try this? I have a balance on my MBNA card that is a 0% deal due to expire at the end of the month. I have just transferred it to my M&S credit card at 0% for 6 months. However, I was wondering if, once the balance on MBNA showed as zero, that I could phone them up and ask if I could do another 0%…
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Ulster Bank CC any good?
I am trying to decide on my next card. A choice between RBS / Natwest or Ulster Bank. The Ulster Bank card does not get mentioned much but seems to be a 9 month 0% deal with no charge. Anyone had any problems with this card?
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NatWest Mastercard
I use a NatWest Mastercard and normally pay my balance off in full each month. My last payment was 2 days late in arriving with them due to a weekend and they charged me £14.04 interest which equates to an APR of around 17.5%. I also noticed they had charged a 'Late Payment Fee' of £20.They told me this was standard…
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Lloyds TSB Platinum
Amongst the junk mail on my doormat this morning was an invitation to apply for a Lloyds TSB Platinum card offering 0% on balance transfers for 9 months. I was going to start looking for a new credit card anyway as one of my stoozing cards will be coming to an end soon. I've never used Lloyds for anything so wondered if…
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Link to info on credit reference scoring etc
Found this webpage while browsing. Has lots of info on credit scoring etc :) http://business.timesonline.co.uk/section/0,,18669,00.html
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Advice needed please
Hello all ! I have an outstanding credit with Egg and 0% BT rate will end in Sept. I also have a Barclaycard. I also have an existing credit with them. I am expecting to spend more the coming 4 months due to family coming over to go for a holiday in Europe. I applied for a Sainsbury's visa card last Thursday bec of their 1…
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Tesco CC Tell Lies
I wanted to cancel my Tesco card last november, after having cleared the balance. The rep persuaded me to keep it. Two months ago, following advice from this site, I called up to cancel it. I was told that if I did cancel then I would not be eligable for another RBS card for 9 months. I called up Nat-West today to ask…
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12/15 Month 0% Balance Transfer
Looking for 0% Balance Transfers for 12, 15 or even 18 month, I naturally typed what I was looking for into Google, which returned many 'hits'. However, all of these hits are for American based Credit Cards. I think I know the answer, but has anyone in the UK tried applying for one of these cards AND been successful?
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Can you still be a tart with an SBT?
OK so this is my cunning plan - I need to do lots of work on my house so rather than get a loan I've decided to apply for a 0% credit card and do a super balance transfer into my account so I can pay the builders. But (and this is where I'm probably being incredibly silly) what happens once the 0% runs out, can I transfer…
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Egg 0% balance
On welcoming pack Egg stated my 0% for balance transfer expires in July, and they are offering an anniversay 0% balance transfer for five months in December until 2007. However I emailed Egg and they told me via their secure message service its in September. My mum applied for Egg in Feb and 0% balance transfer was until…
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Intelligent Finance credit card
We have an IF offset account which includes our mortgage, credit card, savings and current account. We currently pay no interest on the IF Visa card as our savings are offset against this balance first and then against our mortgage and consequently we've been a bit lax about reducing the balance and just made minimum…
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Balance transfer query (Virgin)
Hi, Wondered if anyone could help. I have recently applied and been accepted on a Virgin Cred card (after reading the article on this site) :beer: I have already transferred £2550.00 of the £3000.00 to my Barclay credit card and have £450.00 remaining. What i wanted to know was if i transfer £300.00 into my current account…
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Caution on 0% balance tfrs to Virgin
- Having read the responses to this below, it seems its my mistake and that I should have read the article again properly before going ahead with this Dear All (and Martin!) Just a note of caution for you all to bear in mind: At the advice of this site, I transferred my Topshop Card balance to a Virgin credit card which…
