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Virgin Balance Transfer
Have just recieved a new virgin card and went to do the super balance transfer on-line. However the screen had a note saying I would be charged a transfer fee unless I had been told otherwise. PANIC!! :confused: However on phoning the free phone number a very nice lady said she could transfer 95% of the credit limit to our…
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Any advice on my balance t/f on existing card?
Hello there :) Basically I owe: £6000 Egg card £3000 overdraft I also have an RBS Visa card with a £10,000 credit limit, but I owe nothing on it. Top and bottom of it is that I have 1 month of 0% left on my Egg card, so I was hoping to t/f the whole £9000 debt onto my RBS card then cut them all up, reduce my overdraft to…
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Goldfish - delay in clearing cheques
In the last few months, I have found that Goldfish have extended the number of days for cheque to clear before cleared funds are available. This has happened twice in the last three months. This week a cheque for over £1,200 which covered the full balance was cleared on my bank account on Monday 18th July but my credit…
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Pre-paid credit cards
Hi all, My history,have been in an IVA for 18 months, obviously I am not allowed a credit card. My Job is moving to scotland and will need a credit card to book hire cars or flights down south every week may also require to use it abroad. A debit card cannot be used in alot of hire car places or abroad. I have been looking…
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apr or pa
can anyone tell me what the difference is between anual percentage rate and per annum. i have been offered by my creditcard company a PA rate of 4.75% if i transfer a different balance to that card and it will stay that rate for the life of the balance. is there any difference between PA and APR and is this such a good…
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About to go over my limit
Silly, i know... Today I made an online transaction which will put me £29 over my limit of £1200 with Capital One. First off, the online retailer will not attempt to authorise until Monday. Do you think Capital One will authorise this amount over the limit? Secondly, I phoned Capital One and they would not take a debit…
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Egg BT Limit
Does the 95% of credit limit apply to new customers only? Thanks
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Mint refuse refund
I always understood that when you paid for goods/services by credit card the card company was jointly responsible if things go wrong. Mint have refused to make a refund for a deposit I made for a holiday, and the company has since gone into liquidation. Has anyone had any experience like this, and can anyone suggest the…
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Direct Debits
Hi All, How do I set up a direct debit, that ensures only the minimum payment is made to my credit card account, during the interest free period?? Regards Kidder44
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Why was my card usage behaviour flagged?
Yesterday I was going to buy a cooker hood from a seller with a shop on ebay, I discovered they had their own website and after looking at that had some questions about other items and their prices were cheaper on ebay than their website so I phoned them up. Ended up buying by credit card over the phone and was a bit…
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will i get charged on this balance transfer
sorry for putting this question on here but im looking for a quick answer and im hoping someone out there can help this poor soul out. i got a super balance transfer with mbna and banked it in a high intrest account (like you should :) ). the 9 months is almost up so i have applied for a natwest card and they have accepted…
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How long do RBS take?
I applied online and was accepted for an RBS credit card ( a week last thursday) and it said that it would take 3-4 working days for the paperwork to arrive. I still haven't received anything. Is this normal or has the stuff got lost in the post?
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WARNING - LLoyds TSB Advantage Card 0% Error
Hi All, This is a 'heads up' for anyone that applied for a LLoyds TSB card just before they changed the 12 month 0% to 6 months 0%. I have just received a statement and on it there was a message advising me that my 0% period ended next month (I only transferred the balance in February). I have contacted CS and they have…
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Balance transfer to RBS or Nat West
I am a mac user and have been unable to access account on line, it seems that the programmes these banks use only work with PC's unless anyone knows a way through this. :confused:
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hidden credit card commission in spain
took the best advice and acquired a liverpool vitoria credit card for use abroad in spain but have been ripped off twice by retailers.When I ask do you charge commission on this transaction they answer no but when the print out is presented there is a 3% commission charged and say it is my card who is applying the charge.I…
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A late payment, then my APR goes up?
Hi there: I have a Capital One card that I pay at least the minimum on every month. I got a notice from them that my APR was going up as of next month from 14.9% to 24.9%. I called them to ask why and was told that they reserve the right to vary my interest rate at any time. But 10%??? That seems harsh. Is it legal to do…
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Online processing of transactions
Hi all, I'm trying to persuade the OH to join me in my stoozing activities. However, she will have no desire to perform the actual mechanics (applying for the cards and phoning up to arrange BTs). I might have more chance of convincing her if I do all the mechanics. I've got an Egg and an IF card so far. Egg is ideal with…
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Misleading balance transfer fee
Anyone else had this problem? I've recently transfered 2 balances to my new Bank of Scotland One credit card. Although they charge a fee for transfers I decided that because they were offering 12 months interest free, it would be worth it. The Terms and conditions actual words are. "Balance transfers. 2% (at least £2 but…
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New lass seeks advice on recommended credit card to buy card insurance with?
Hi folks! I'm new to these forums, and also to the world of credit cards (always avoided them cos I know how easy it is to end up in a mess - I'm not very organised I'm afraid! ). However, my car insurance is due up in August, and I was thinking of putting the cost onto a 0% card over 12 months rather than paying the…
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Help wanted with credit limits for transfers
I am in urgent need to transfer about £5000 over to a new 0% or Low interest. I have managed to get £8000 to £5000 withour paying a penny in interest so far. This all avoided a loan for a car in the first place. So now I am getting stuck. I could easily take out a car loan 5.9% or get a mortgage deal for 4.39%. Even MBNA…
