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T&Cs
Ok I've had a few people give me stick for 'not reading the T&Cs'. What about when they change them but neglect to tell me? I've recently been stung by Barclaycard for being over my limit on the 1st of the month. I.e they charged me once for being over my limit (fair enough) but then again for being over my limit a couple…
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Barclaycard transfer
Can anyone help me? I want to transfer back a debt to my friends Barclaycard from my Egg card. I originally transferred it to my Egg card online, the online forms did not ask if the transfer was from an account in my name, so no problem. Now the interest free period is over we want to transfer it back. The Dilemna? We…
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Leaving Barclaycard?
I sat down with my cup of tea and chocolate biscuits ready, I was calling Barclaycard to close the account and to leave. My balance was Zero ( just paid it off) but the interest rate was high. I used to have a poor credit history but is good now !! I was ready for a fight, i would stay if they lowered the interest rate but…
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Tesco Credit card - online info. - text alerts charged ?
The Tesco Credit Card online service looks good - and there is a facility to be alerted eg if going over your limit. You can receive that by email and / or text message. I can't see anything about being charged for the text messages - not when in the UK anyway - just says may be charged abroad. Can anyone confirm thats its…
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Advice Please!
I've posted a similar message before and didn't get a reply so would be really grateful if someone could shed some light on this. A debt agency offered me a 'deal' where I paid x amount of my bill and they would write off the rest. So I agreed to this - the money I paid was a hefty chunk all at once - and now they're…
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Do I have to activate my card?
I got my new Capital One card a couple of days ago. I'm not going to use it for purchases, only for the balance transfer I made on application. The day I received it I called to activate the card. I was on hold for 10 minutes, got bored, so hung up. It got me thinking...the card is going straight into my safe and won't be…
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Saga in USA
Over 50 so Saga credit card could do for us when visiting USA this autumn - purchases, hire car and cash. Acknowledge Nationwide debit approach probably better, but hassle of setting up appropriate current account a no go at this time. Also, would topping up the Saga credit card with cash before leaving make sense ?…
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Desperate need for some credit.
Hi moneysavers, I am going to qualify in october and have landed up with a 32k job from 1st week of nov. I am at the moment in a trainee position and have a pay of 18k. But in order to get confirmation I will have to mobilize my self ( i will have to purchase a car). I am having around 3000 pounds student loan debt with…
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Declined Card
I've just been shopping at my local Iceland. Went to pay by CC, entered my PIN in the C&P machine, and was told that my card had been declined. Tried again with the same result. I've previously used this particular CC at the same store without any problems. Now I've never had a card declined before, so what does one…
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Can prev house owners affect my chances???
Hi All, A quick one to ask, we applied for a 0% cc a few days ago and today have had a letter stating "Unfortunately we are unable to issue you with a cc at present. We asked credit reference agencies about you and the people you have a financial link with. The information they provided was used in our decision making. We…
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Do NatWest ever give promotional BT offers?
apart from the intial 0% from 9 months. I would love it if they did LOBs at a low rate but would be interested if anyone's got any 6 month offers. Anyone help -as my 9 months are almost up and I need to know whether to keep the card. Thanks :)
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Notice To Work123home
Mate, you really are wasting your time. None of us on this forum would ever claim to be financial geniuses (genii?), but through regular support and education amonst ourselves we are at least financially savvy enough to notice a spammer when we see one. Anyone offering "$100,000 for anyone with an e-Bay account ", "$500…
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Changes to Egg Terms and Conditions
Received email notification of a whole raft of changes to the Egg T&C's. The only one that applies to me is: Condition 4.5 If any interest is payable, there is a minimum interest charge of 50p. This means that if the interest amount is calculated to be less than 50p, the amount of interest shown as payable in your monthly…
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Natwest adsking Credit cards back, any one with me
As i said in one of my post they asked me to return my credit card, i rang their credit card departmetn, they said their inhouse criteria haas been changed for which i was not eligible , so they are asking my card back. I asked her what criteria?. she is not telling the crieeria. and says nothing will be shown on my Credit…
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Success with reduction of late fee - Amazon Card
After taking advice posted on MSE phoned Amazon/Halifax today and got a refund of half my late payment fee. Explained that I'd been away and as the payment was only a day late could they process a refund. The operator said that as it wasnt a bank error and it was basically my fault that she could only agree to a half…
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Best Credit Card for business users?
I am investigating the best credit cards for 2 business users - preferably with no 'cashback' as this means tax forms to fill out at the end of the year etc. Any other 'points' system would be fine, have had a look at Martin's article but doesn't seem to apply? They travel alot so couldn't be Amex as it is sometimes less…
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Some URGENT egg advice please
I had wanted to take advantage of the egg/dixons 10% cashback offer, which expires this Monday (31/07) but did not have enough credit available on my egg card to make the purchase. I wanted to make a one-off payment today to cover the cost of the purchase as I got my wages today. I spoke to an advisor at egg yesterday who…
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Epidemic of Card Cloning & PIN Theft
Remember Shell? Here's another: In one case, a sniffer in a chip and PIN terminal at a skilift in Livigno sent holidaymakers’ card and PIN details by SMS to Romania. Click here for full story. It is now extremely difficult for customers to prove their innocence unless their case corresponds with patterns already recognised…
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Problems with application for Nationwide Credit Card
I'm sorry this is a long post but just wanted to explain all circumstances. Around 6-8 weeks ago I was looking to transfer a balance from Virgin to a new 0% credit card. I did apply for an MBNA and was turned down and, following the advice on the board, was reluctant to make another application to another credit card…
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Mbna
I have a £6000 limit on my MBNA card which is up to its limit.I have always paid my minimum by direct debit so not to miss a payment,I was therefore shocked to find that my account had gone over its limit(i had spent nothing on the card) due to interest alone.Surely if I set up a DD my minimum payment should cover any…
