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Large credit card purchase - what to do.
I am due to get married in March - I have saved £6000 towards it (mostly thanks to this site) but I am going to be £2000 short by the time things need to get paid so I was going to stick it on the credit card. Now the complicated bit - The honeymoon needs to be paid for by December 22nd - I could put this onto the credit…
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What is my real credit card rate?
My credit card statement says that the interest on credit card purchases is 1.240% monthly and interest on cash is 1.490% on cash. Can anyone tell me how to convert that to an APR rate? I called my bank to ask them what the APR was but they were very wishy-washy about it and couldn't (or maybe didn't want to) give a me a…
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Credit card suddenly closed
Hello All, I got my Natwest Master card - May 17th 2005, just today i recieved a letter from Natwest saying that after excerising and reviewing your account we have ended the credit card agreement, even though i have been banking with natwest since 4yrs now. Also, with my credit card i had the limit of 1500 GBP and i was…
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Advice on credit..
Not sure this is the right place but.. i have just this week moved into a rented house.. there was a pile of post for the previous tenant which i was sorting to return to senders. Firstly there where no less than 9 different peoples names on the post.. the house is a 2 up 2 down terrace - unlikely 9 people would fit in…
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CC Security
I have an idea to improve credit card security to speciifcally aimed at the fraud committed when the card is in the postal system. Who should I contact regarding my idea?
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Red letter days & credit card refunds
My son's girlfriend has spent £400.00 on Redletter days (who have gone broke)with her Tesco mastercard credit card. She purchased them at Allders (who have also gone broke). :( Does anyone know if she can claim through her credit card? Has anyone had success in doing this? If it was me I'd ring up and ask but she seems…
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Slightly OT: Nationwide Visa internet banking
Has anyone had a problem recently accessing their credit card details on the Nationwide internet banking site? I can log in and access my FlexAccount details without any difficulty, but when I try to view the statement details for the credit card I get an error message saying "Sorry. We are unable to process your request…
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Help - £267 charge to BT
I've been reading up on Stoozing and thought I'd try my hand by applying for a new credit card and sending the BT to my First Direct credit card (which was debt free). Unfortunately, I've just had my knuckles rapped and First Direct have informed me that I will be charged a 2% fee to transfer this balance to my cheque…
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Virgin Credit Card.
This card currently looks one of the best for balance transfers and is touted on this site because there is apparently no balance transfer fee-until you look at the small print on their site: ' 2% charge on SOME BT's ' Anybody know exactly what this means ?
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Advice Needed...
As I stated in another post, I'm new to savvy credit carding, but I have a question for you good people. I have a smallish outstanding amount on a Barclaycard Initial which boasts a whopping 25.9% APR. Although the amount is small, I cannot afford to pay it off in one lump sum owing to my student status. I pay around £30 a…
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Can I do a chargeback??
The story is I ordered a DVD from DVD soon a week ago. Yesterday I got an email to say my order has been cancelled due to a new system they are implemeting. They have put my credit card payment as a non-refundable credit on my account that can (a) only be used for gooods (not shipping) and (b) can only be used for 25% of…
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Marbles CC no 2% Handling Fee
I recieved a promotion from Marbles which offered a Zero Credit Card handling fee for holiday bookings made with Thomson this is usually 2%. When I tried to take up this offer Thomsons and Marbles had no idea about the offer. I booked my holiday and complained later and Marbles refunded the fee to my account. This offer…
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MBNA and disgruntled customers
After our horrendous time with MBNA, (still going on), we are not at all surprised to see more complaints here. What does it stand for anyway, MBNA ? Might Be Nothing at All.
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BT now or hold out for a few weeks?
Hi, Just a daft question really. My 0% interest ends with Virgin in September, so am due for another credit card switch. Its just crossed my mind however, as to whether September is the time of year when new deals start being offered?? Currently i'm looking to bt to Natwest (something else I'll come to in a moment), but I…
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Which cards to keep, which to cancel?
Been tarting for a couple of years, just switched a balance from Barclaycard Platinum to M&S money for 9 month 0% BT + purchases, also been accepted for Virgin to swap a balance from Halifax one which is due to end in Sept. I also have a Mint card which was originally a RBS Advanta card and has been the emergency backup…
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MBNA the bank that likes to charge
MBNA....Well I have been with then for many years and had no problem until now. My wife has a Whiteroom card which has 0% on BT's and Cheques. She used one of the cheques to pay an account and having contacted MBNA to confirm that it was at 0%. So it came as a supprise when her statement came through that she had been…
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Cashback Credit Card for Students...a good idea?
After recently reading Martin's newsletter just now, i suddenly had a thought regarding the cashback credit card scheme. Me being a student, i'm going to be paying for my tuition fees and accommodation, which takes it up to about £5K, probably more if i include other stuff. I was wondering, because i've got money covered…
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£30,000 typo ?
The Halifax sent me a letter today to tell me they would only balance transfer 90% of the £4,000 requested, except it says £40,000. I haven't received my new card from the Halifax yet but do you think this is just a typo on the letter or a processing error ? Will my new card have a £36,000 credit limit ? Will I be able to…
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Sainsbury's Delays
It is taking 10+ working days to receive my Sainsbury's credit card and I am getting annoyed. It might as well be 11 months on purchases at this pedestrian rate. The conf letter says "your card is waiting to be despatched", but I learnt today this means "your card hasn't been made yet", "victims of our own success",…
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Amex vs Mastercard / Visa
I'm thinking of switching to a new credit card, with £0 balance transfer. Reading Martin's cashback creditcard article, I can see that Amex Platinum is going to be the most lucrative - I intend to make all our household's purchases using this, and pay off in full via DD every month. My question is, for those of you that…
