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Cash back credit card???
I am sure there are alot of us members who paid their bill in full. I don't have any balance transfer or what so ever. I have applied for GE Capital 3% cash back on food & fuel only - but no reply from them since April. I am with Morgan Stanley but no longer at 2% cash back since I have reach their 2% cash back quota, now…
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Cahoot Webcard
The Cahoot webcard - What a great idea. It actually generates a new card number for every transaction so even if someone copies your details, the information is useless. Only trouble is, more often than not, the card is rejected. so often in fact that I've stopped using mine. Frustated and dissapointed! E-mailing Cahoot…
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£20 fine from Halifax
Hi. I have a student account with an overdraft limit of £1200. I was recently billed £4.68 which took me over the above limit. Because of this Halifax have charged me a £20 fee. I think this is disgusting. I have been with Halifax for over 10 years and this is only the second time this has happened. Can anyone offer advice…
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Virgin CC - huge APR increase reduced
I've been reading these forums for a while now and thought I should finally register and post after my experience this morning. I've had a Virgin CC at 10.9% for the past eighteen months. I occasionally keep a balance on it for a month or two and am happy with the rate. However, I received a letter this morning saying my…
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credit card fraud citi letter
My mother received a letter from Citi saying that their was unusual activity on her cc. She phoned up and was told it was a 99p purchase from ebay. So she asked to cancel the cc as she had already paid off the balance and was going to cancel it anyway. anyone else had this happen? and when you cancel a cc do you get a…
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EGG Card - Anniversary 0% interest free - BE CAREFUL!
If your anniversary at Egg is coming up and you are thinking of using the interest free balance transfer for 5 months thing, be careful. They now charge a 2% transfer fee (no maximum) and, worst of all, they put the fee on your account as a purchase. So, yes, you then have to pay interest on that amount and won't be able…
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good CS from Barclaycard
We've been busy here over the last couple of months doing some building and decorating at home, as a result the PC was dismantled and shoved in a corner for a few days. in the end we were late getting it all set back back up and sorting the card payments, money transfers etc online. as a result we got stung for interest on…
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Rate tarts
Saw today that Amex are pulling out of the "balance transfer" credit card market, as apparently the industry loses £600m a year due to rate tarts. Has anyone got any more on this. http://www.thisismoney.co.uk/credit-and-loans/article.html?in_article_id=409832&in_page_id=9
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Sub 20% APR that is easy(ish) to get
Hi All! I'm being SOAed at the moment (exciting!) and have got £900 on the capital one classic card at 29.9% and £350 on an overdraft at 23% (I think). It would be great to bring the rate down while I pay it off - and to pay it faster. The trouble is i've been rejected for the 0% I applied for (egg) and am unsure what…
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When in the month do you transfer balance?
As I stated on another thread, I have £3,700 balances on my two credit cards. The cards APR's are 20% so I need to transfer to a lower rate card soon, I know. But when do you do it? Do you wait for the two statements to come then transfer them? Or do you do it as soon as you've paid the monthly repayments? Or doesn't it…
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Reward Checker - Tesco Error?
Hi First post, so go easy! I have worked out (call me geeky if you like!) that the Tesco options of the Reward Checker does not take into account if the annual spend is entirely in a Tesco store (eg. 5 pts per £4 spend instead of 1 pt per £4 spend). Combining a purely Tesco shop with the rewards deals makes around £5 per…
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Unused card help
Hi Guys I have a barclaycard with a £3800 limit on it which i dont use as the rate is typically woeful. I also have a mint card with £1350 limit on which i balance transferred onto from the BC. I may want to balance transfer from the mint card in January if i still have a balance on it. Am i better cancelling the BC so i…
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Change of name and credit card applications
Hi, I posted on here a couple of months ago. Got married in February and wanted to know about how to get my name changed on the electoral roll and with Experian etc. People on here advised me that once I had changed my name on my current account, existing credit cards etc, they would automatically notify Experian etc.…
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SBT To Student Loan Account.
I have a hsbc professional studies loan account. I have around 3500 pounds to clear off. I had take a loan of 6900 pounds for my post graduation last year. I have started earning now and within last eight months i have cleared off 3400 pounds. I am paying interest of 5.8% interest apr. I was wondering is it possible for me…
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PPI canceled two years ago, but..............
Hi everyone, I have been looking through quite a few posts here and I have read a ton of usefull info, many thankls for that for starters. However, genious here canceled his PPI on at least 4 cards but did this two years ago, but it never occured to me to ask for a refund.... Am I still entitled to one????? we are talking…
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Which c/card for best balance transfer to my current a/c?
I am looking for a credit card allowing me to have a 0% balance transfer to credit my current account. I have read this website and see Egg & Mint do this, but does anyone know of any other c/cards which have this type of Balance Transfer feature at the moment so I can check them out? Thanks for any advice,
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Student needs a CC but not sure which one or if any available
hi, im a student and as all students do, have being experiencing some cash flow problems. i wanted to apply for a credit card, but i was told i had to be in employment (from Sainsbury's CC guy). currently im doing my exams and should hopefully get a job around mid July, but i cant wait that long!! i was wondering if their…
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bank charges-NEED HELP
Hi everyone, i have current account and credit card from HSBC. 1."i have setup direct debit for my credit card with current account. Last week they tried to charge £600 for my credit card from my current a/c . i had zero balance in it but they overdrawn it with £600. The interesting thing now is,they deposited £600 in my…
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credit card charges
I recently paid off my entire balance to my virgin mastercard and cancelled the card thinking that was the end of it . when i have just received another bill telling me that i owe them another 85 pounds due to interest charges and returned payment fee as i cancelled the direct debit. is there any way i can get away without…
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Unwanted card
Hi! Has anyone else recently been sent a credit card without actually applying for one? I received one from Lloyds (who I don't even bank with!) telling me that if I didn't want it I should phone them up, cancel the agreement and send the card back!!??? I sent the card back in a million pieces with a stern letter! How did…
