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Credit Card Settlement Help
I had an outstanding amount on my credit card to which a debt agency agreed a fee with me over the phone - both the idea of a settlement and the amount suggested by them. I agreed to this and paid it off knowing that this would clear my debt. A month on I have a phone call saying that I was made the wrong offer and I will…
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Tart In Trouble
I have been transferring from one 0% card to another quite happily for a few years. My latest card's (Virgin) 0% rate has now ended and I was looking for another card to balance transfer to, applied to Capital One for their 14 month 0% offer and have been turned down! Don't really know why but it may be that I havn't put…
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Small balance write off
Has anyone heard of these before. As I bought some items from a well know on-line website. And after vouchers etc had been taken in to account I owed 83p which was charged to my cc. I also was happy to pay it. Got a statement and it say small balance write off 0.83- and my balance is now zero. Is it standard to do this.…
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Steve Punt's history of the credit card
Sorry link didn't work as the You and Yours "Listen again" Facility isn't working but it was very good. I don't seem to be able to find the delete facility?
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Happy 40th birthday!!
http://money.guardian.co.uk/creditanddebt/creditcards/story/0,,1808824,00.html?gusrc=rss
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The only way to improve my score?
Hello everyone, There are so many great tips and ideas on this site but I have a question that I can't seem to find the answer for anywhere. I have a rough idea of credit scoring and how the system works but my question is what steps can I take to improve my score? I paid £10 to view my Experian file and it's terrible. I…
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Nationwide 0% foreign comission or cashback card?
Hello. I'm thinking of applying for a new credit card, mainly to use for purchasing items over the net from websites in the US and Europe. I've heard that Nationwide offer their Classic card that has no comission on foreign transactions. Also, their statement of a minimum credit limit of £500 also appeals to me, as my…
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It takes three days to clear cash!!!!!!!
At least according to the RBS. I recently paid off my credit card, in cash, in full and on time. The following month I was charged £46.17 interest and the month after that copped a £20 late payment charge! When I complained I eventually had the £20 charge refunded, after much arguing. Though the supervisor was very careful…
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223% apr storecard
Not sure if this has been mentioned on here yet but I have just been reading about the fact that our friends at provident financial has jumped into bed with Argos to offer finance to people on benefits.. I guess they must need to pay Richard E Grant somehow.... Here is the link of the…
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Will Getting Another Credit Crad Effect My Score?
I currently have 2 credit cards: RBS on interest free until end of Aug 2006 and Sky card interest free until end of Jan 07. I am just waiting for the balance of my holiday to be charged to my RBS in mid July and pay that and the whole card will be cleared and I will defo have paid off my sky card by Jan07. I am considering…
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Intelligent Finance card - customer service rubbish
Just a quick warning to anyone applying for the Intelligent Finance card. Customer service is like NTL - hell on earth. I've called six different numbers this morning to find out one simple query and I'm still none the wiser. IF - if your reading these forums get your act sorted out. None of your departments appear to be…
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sainsburys CC allowance limit
I have recently applied for a sainsburys CC at a reasonable lifetime apr, my question is what are they like on the card limits? I have requested a transfer of 7.6K from my egg card but obviously I dont want to take up the card if they only offer me a low limit as it will get expensive monthly. Regards Andy
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Payment Protection
Hi: I have Credit cards which have payment protection, they are all UK based cards, but I now live halfway round the world and I meet my payments each month using internet banking as I never return to the UK. My enquiry is having opted for payment protection can I now contact them and cancel this option because it is…
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Card Company Takes Payment Without Permission
HI FOLKS WHAT DO YOU THINK OF THIS BELOW lOOKED AT MY BANK ACC THIS MORNING AND MY CREDIT CARD COMPANY HAVE WITH DRAWN £20 I KNEW NOTHING ABOUT IT I WENT TO MY BANK THEY TOLD ME THAT IT WAS A SWITCH CARD TRANSACTION ,I SAID I DID NOT MAKE IT THE CREDIT CARD COMPANNY WENT AND USED MY SWITCH CARD NUMBER AND SECURITY DIGITS…
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Perhaps an original question
Hi I would like to know what happens if I have a zero balance yet continue to pay money onto the card. There never seems to be much information on this - the credit card companies tend to focus on the fact that people only ever spend money on their cards or at the most get the balance back to zero. But what if someone were…
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Credit Card Shuffle - Help!!!
I have a Barclaycard & Virgin credit card. I currently have the deposit for the property I am buying in an online savings account. Does anyone know how I can reduce the interest on the credit cards by using the money in my savings account? I will still need the money back in my account for when I purchase the property…
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Balance Transfer Help
I have a bank of scotland one credit card with about £2k on it and desperately need to transfer it to a better deal as my interest is quite high. I really liked the sound of the intelligent finance lifetime balance rate but as its a bank of scotland card that i have i cant transfer the balance to it so not sure what to do…
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Closed Egg Green - still in view
I closed my Egg Green card several months ago, and despite email assurances that the account is closed it still appears in "My Money". Has anyone else closed an Egg credit card and still have the account appearing?
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Chip & SPIN - The Times:
Latest from The Times: http://business.timesonline.co.uk/article/0,,9075-2247493,00.html "Safety in Numbers", and then the heart-themed "I love PIN". (Always beware when someone tries to sell you a security product based on emotion rather than information.) However, the other important present the card industry gave us on…
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Do credit cards calculate interest daily?
Hi all, Just wondering do credit cards calculate interest daily? basically I have a virgin card with a reduced rate of 2.9% until the 1st July, I've made a blance transfer to clear it unto my barcalycard but it probably won't clear until after 1st July, will I have to pay interest for the whole month of just a few days at…
