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Crap! &More bites the dust re. free BTs
Got a dreaded leaflet today from &More, 'important info including updated terms and conditions.' The main points are: 1. They are increasing the APR from 15.9% to 16.9%. This doesn't affect me now as I have had 3 0% BTs with this card, enabling me to pay the minimum on it while throwing extra money onto my 7.9% card. I…
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Egg Money fail to authorise transaction
I have an Egg Money credit card and have had it since September last year. Twice, when making purchases, the card has been returned to me by the retailer as "Not Authorised" and an alternative form of payment requested. The transactions were not "Declined" or "Referred" just not authorised. The same happened to my wife…
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Has the credit search been done?
Hi, I have applied for a credit card, and I got some stuff sent back, saying that they need me to sign and return the form, then they'll "be back with a decision". Does that mean that they haven't done the credit search yet? My original reason for wanting it has gone, you see, and I have found a better one, but I am…
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Egg Money - Spending Category on Statement
I have recently got an Egg Money card and received my first statement today. Unlike the normal Egg card, or any other card I have, they have added a category field, with a supermarket purchase under 'Essentials' and train ticket under 'Travel and Transport'. Does anyone know how they assign the categories? Is it part of…
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need help about mint!!
hi there, new to the site though i have been watching for a few weeks!!!! I'm about to apply for my first credit card, and was reading that the mint card was the best at the moment for purchases, the problem is that i have recieved the application form and there are three different types of insurance??? card payment…
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Idiots! (HSBC)
After taking the best part of two and a half months so get the HSBC credit card, along with three credit reductions along the way (from £6.5k to £5.5k to £2k) the muppets have decided, for a laugh, to transfer the whole limit to somebody elses card :eek: What a shambles, well Iv'e asked them to recall the transfer and once…
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HaveTescos Reduced Points On Using Credit Card
I was always under the assumption that I received 1 point for every £2 spent using my Tesco Mastercard. It has always proved useful to gather points for holiday car hire and airport parking. BUT, I noticed this on their website: Collect extra Tesco Clubcard Points on all your shopping - 5 points for every £4 you spend at…
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Whats the best credit card for my situation?
Hi. im taking a year out next year to go traveling with my girlfriend when she finished uni... only problem is should i have a credit card to take as backup? i bank online with first direct and was going to apply for there one. http://www.firstdirect.com/creditcards/credit_card.shtml being new to credit cards, would i have…
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direct debit credit card mininum payment does not match
hi i have a hasbc credit card i sent of a direct debit mandate but the credit card number now set up on my first direct account does not match the credit card number some guy in india said it does not matter as that number corrispondes to there system i have always had credit cards that match up on the direct debit if it…
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SORRY for another Amex Nectar thread.. but...
I applied online on Monday.. not herd anything yet.. but have just realised that 2,000 Nectar points have been credited :j Do you reckon I've been accepted??? :confused: Thanks! Sara
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Egg Card Warning - Anniversary Deal 0% Finished
I have had an Egg Card for a couple of years, and enjoyed the 5 months 0% Balance Transfer - however, this has apparently changed recently... Egg card now offers a 2.5% BT for the new anniversary deal - I have contacted and e-mailed Egg customer services to suggest this neither offers the current 2% market rate, or offers…
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Help Please!!
Hi Everyone! I'm in debt crisis to the tune of £78k (ouch! bet you're glad you're not me!!) and yesterday finally contacted CCCS for some help after months of being ostrich-like and burying my head in the sand. They have now tasked me with a couple of things before I have my scheduled appointment with them. One of these is…
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Charity cards - minimum salary?
I am planning to apply for the NSPCC charity card mentioned in Martin's balance transfer article, to transfer my balance from an HSBC credit card. I am a housewife so I don't have a salary. Does anyone know if these charity cards require you to have a minimum salary? Thanks.
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withdrawing cash on AMEX Blue
went to my bank to withdraw £3000 from my amex card and was told it waasn't possible!! went home and rang amex and was told that the most you can withdraw is £200 a week! is that right? with MC and Visa you can take the full outstanding balance. i thought AME?X was supposed to be a good credit card to have. If i'd have…
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Inland Revenue - Late Penalties
If late penalties are unlawful for credit card payments are late penalties lawful for the Inland Revenue - especially if there is no loss of revenue to the Inland Revenue and they don't have to do any actual work just send you the late penalty?
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Dodgy Trick by Egg on Balance Transfers
Just found a crafty ploy by Egg that's hidden in the T&C's with regards to balance transfers...Which is that they charge full rate interest on the balance transfer fee, which is a fairly high maximum of £50.... :eek: Interest on the £50 fee i was charged was 54p in the first month! And...since you pay off the balance…
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Refused credit card - is it my fault???
Apologies if this is in the wrong place. My boyfriend applied for a capital one CC and has been refused, they have implied in the letter that it is his financial linking that is to blame (linking to me!) I am at the mo on a dmp with CCCS, but my b/f and I do have a joint savings account with the halifax - web saver (not…
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Capital One
:confused: has anyone tried to get their interest rate reduced with Capital One? I f you have what was the outcome?
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halifax - a bit of a mess
thought i would share my experience with you guys. It is a bit of a rambling tale so bear with me. if not just go to the last para and i have summed it up. Yesterday, i was reviewing my credit cards and realised to my horror that my amazon card 0% balance transfer was ending yesterday. Since i went into a 0% BT with the…
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Paying a credit card doesn't always work
Incredible.Today I checked my HSBC credit card and found I had been charged £20 for late payment on 6th April. OK so I paid 1000 off during March, so why was I charged for the late payment I enquired of Indian sounding lady. Her answer. You were charged because the payment was received before the new statement was sent out…
