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Paying for housekeeping on credit card.
Hi there, We are trying to budget better, and have been reading all the posts re cashback cards. I have noticed that alot of people use their credit card to pay for all their household stuff/ food etc throughout the month then pay off in full at end of month. I have never done this and just use my normal current acct debit…
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What's BarclaYCard upto?
Barclaycard customers who pay their bills in full each month may have their payment date suddenly brought forward, the bank has told the BBC. See http://news.bbc.co.uk/1/hi/programmes/moneybox/4681228.stm I swear one half doesn't know what the other half is doing... They evne have a flexi-rate card that charges you less…
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morgan stanley credit limits
hi was just wondering what morgan stanley are like for credit limits on the platinum card. i have been accepted and iam hoping for £7k so can move secured personall loan, I know every ones circumstances vary but i have found in the past that a&l and tsb to be very good and nat west and capitol one to be poor. Any how…
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Late Payment Fees
Just been charged late payment fee on my Natwest CC although I paid £ into a Natwest bank 3 days before due date. Customer services refused to refund stating that although the money was in their account - I needed to allow 3 clear working days for the funds to allocated against my account. Anyone know if I can challenge…
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revmudie
We all tend to concentrate on headline rates, tranfer rates etc with credit cards. If you miss a payment or you exceed the credit limit you are hit with hefty charges, especially with some of the more competitive cards. This will often wipe out any benefit of a low rate. Does anyone know what credit card has the lowest…
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Barclaycard for Exisiting Customers - Warning
I've had my Barclaycard for years now and it has been Platinum for some time. I'm a 'common tart' and so am always doing BTs on new cards every few months. Well, I hadn't used my Barclaycard since 2004 (no attractive deals for exisitng customers) until two weeks ago. I'd been waiting to BT to a HSBC card but it had been…
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Barclaycard and crdeit report
Watch out for this: I've had Barclaycard for years and years and always pay in full on-line on the date due. A few months ago I paid in the evening and ended up with a late payment charge because "f you pay after 6pm it is classed as the next day" NEW RULE apparently NEVER ever ever had this problem before. When I was…
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Barclaycard - watch out if you pay balance in full!
Have a look at this bbc item: http://news.bbc.co.uk/1/hi/programmes/moneybox/4681228.stm I always thought credit card companies made money EVERY time you bought something by charging the retailer a fee?
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someone?
how many lenders, do a card for people with a ccj? I have been told getting a car, and paying off in full every month is a good way to build up credit rating? of course you have to pay it off in full, and i dont want ot do a credit check on my name lightly. thanks to anyone who helps. TC
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Abbey to introduce BT fee from Wednesday
Been lurking here for a while, and thought I ought to join to pass on this info that I discovered at work today. As of Weds 8 February, Abbey are "standardising" the T&Cs on their credit cards, and one of the effects of this will be the introduction of a 2% fee on balance transfers. This is already applied on cards taken…
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Barclaycard - No Good For People Paying Their Balances In Full
Bad news for people like me that pay their Barclaycard balance in full every month. I think I will start to use my Egg card now. :mad: Barclaycard gets tough on customers Barclaycard customers who pay their bills in full each month may have their payment date suddenly brought forward, the bank has told the BBC. The move…
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Balance Transfer Con
Hi everyone, I need help...so any ideas would be much appreciated. I have a debt of about £10000 on my current credit card. After reading this site i decided to transfer my balace to Lloyds to get the transfer rate of 5.5% for the life of the balance...I couldn't afford the 3% minimum payment from AMEX, whereas Lloyds is…
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Credit report card discrepencies
1. - I've got an FCS flag appearing next to one of my accounts on my Experian report. Cant fnd out from the site what it means, so does anyone know? It says the FCS flag is live. 2. I dont use my Llloyds TSB credit card and cancelled it in early January after paying off the whole thing. However, now on my credit report it…
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APPLYING FOR CARDS & YOUR CREDIT SCORE
Does anyone know? When you're applying for a credit card, at what stage does it show up on your credit score / rating? Is it when they agree over the phone or online and BEFORE you send the forms back to agree to take it out, or does it only figure once you actually sign the form and send it back?
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Morgan Stanley / PayPal / Cash Advances?
Hi, I'm thinking of registering my Morgan Stanley card with PayPal. Will PayPal payments made from the Morgan Stanley card show up as "Cash Advances" and will I incur fees as such? I have read that this differs between card issuers but haven't seen anything about MSDW. If PayPal payments just show up as purchases, they…
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Identity fraud - what should be destroyed?
After reading up on the "Great Paper Shredder Hunt" thread, someone suggested just cutting out the relevent portions, and shredding by hand, burning, etc. What do we NEED to destroy to prevent ID theft? Cc numbers and statements go without saying obviously, but what else? Everything with your name and address on it? Less…
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American Express Balance Transfer NOT
Having read the article on the posted newsletter l applied for an American Express Card so that l could transfer my balance at a fixed rate for however long l had an outstanding balance. On the card application they ask how much you want to transfer,and behold a few days later l received a letter saying l had been accepted…
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Egg 10% discount on online stores
Is there a list of stores that will knock 10% of their prices if it is paid for with an egg card? On the egg website they say there are some companies that give 10% discount.
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Please Help!
Hi, Admitedly I have been a bit naughty with my Barclay card and not paid it for a while :( I now find out they have taken virtually all my wages out of my barclays bank account to repay the debt. This has left me in a bad situation as I cant pay my rent, bills, council tax :( Are they really allowd to do this, what can I…
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MBNA transfer fee
I have been told by the Abbey that if I want to transfer the outstanding balance on an MBNA card that is coming to the end of the interest free period, onto another interest free card I will be charged at 2.5% by MBNA. Is this correct and is there any way around it?
