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Credit Card Fees should be increased
A big thank you to everyone who campained against the high credit fees, or has complained about them a lot in the past. As as result of the fees being reduced, credit card companies are now increasing interest and other charges right left and centre. This is penalising all customers rather than just ones who can't manage…
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Amex - credit where credit's due!
I'm getting a flow of revised T&Cs on my bank accounts and CC accounts. Heard from Amex CC today. They are reducing their previous penalties of £20 to £8, which is further than most have been prepared to go. The others have usually reduced to the £12, so-called maximum (but still too much) figure, quoted by the FSA. I'm…
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Save or 0%?
Hi, I graduated 2 years ago with a credit card balance hangover which I have partially cleared and finally moved to a 0% deal (HSBC) after paying over the odds to Barclaycard for months. My 0% period is about to end and I am wondering whether it is best to pay off the remaining balance of my 0% card and close it using the…
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what just happened?
I had to call MBNA as i missed a payment last month (they have since lifted it and this months no probs) and the rep took the chance to "update" my details and then told me I had too much debt (its true) but then TOLD ME how much debt I had in total on credit cards!!! This stunned me, is this not illegal for companies to…
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Best Balance Transfer....?
Hi.. bit new to all of this.... Am looking for some advice... I currently have a Visa with RBS, and have just reached the end of my 0% 12 months.... I have c£1000 O/S, and am looking for the best deal on the market.. various sites are telling me different things, so am looking for some good advice. I aim to have it paid…
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Abbey cashback
Abbey cashback card is no longer strictly a cash-back card, it is a 'points' car you can exchange for naf offers - or cash. I've applied for a Conran card - took about 10 minutes to apply and get approval.
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Credit Report- shows old credit!
I just checked my credit report online using Experian and discovered 2 credit cards in credit. They were for £2 and £16. The £16 was from several years ago and they hadn't bothered to send my any statements as I didn't spend anything or owe them any money. Grr. However the £2 I get regular statements saying that I have…
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Intelligent Finance CC
Hi All, Just a quick one... Intelligent Finance have a 4.95% Life-Of-Balance transfer. It states regarding Balance transfer fees.. '2% or minimum £2 (on promotional rates except introductory offer)' It's a bit unclear as to whether the 2% Balance transfer fee is charged during the first 6 months (Introductory period) Sorry…
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Cahoot
My OH has just applied on-line for a Cahoot Credit Card, she was asked to pick her credit limit which she did and then submitted the form. After a short while she got a message back stating that she had been provisionally accepted pending further checks. A stupid question I know, but does she take that that she has been…
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Best Options
Hi all, Just wondering what the best option is with the following:- Currently have approx. £4300 on an interest free credit card with the interest free period about to end in a couple of months time. I also have about £2600 in a Mini Cash ISA. As I see it I have a few options open to me:- I simply move this onto another…
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Penalised credit file for bank error. What can I do??
Hey all! On reading advice on MSE, I took out a Natwest CC 2 months ago and received a 0% balance transfer deal. I bank with NW also. At the time of my application, or shortly afterwards, I took steps to set up my direct debit for monthly payments. After month 1 NW wrote to advise of my £20 fee for late payment. I got…
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MBMA Group cards
Hi there, I have had a scout around the web (and used the search function on this site) without any luck, so hopefully I'm not repeating a previous question. Which other credit cards are run under a different brand name by MBMA? I know that the Virgin credit card is run by MBMA, are there any others? Regards MiddleAgedDad
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Egg's New T&C's
just reading through Egg's new terms and conditions: http://new.egg.com/visitor/0,,3_89411--View_1963,00.html They have reduced their card fees (over limit, late payments etc) from £20....to .......wait for it......£16 :confused: was it worth it? They have also allowed themselves increased rights to use your personal…
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Confused by rates offered
I keep getting mail being "pre-selected" for cards such as Capital One (as I'm sure most people do). The thing is, most of them are offering their base card - 29.9% interest with no special introduction rates. Use the card for 4 months and get a credit increase. I already have one credit card, with my bank, which is 14.9%.…
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Cahoot getting the message on Illegal Bank Charges
19 Jul 2006 type: customer message Information about your cahoot credit card fees and charges We have reduced the fees relating to your cahoot credit card. The fee for exceeding your credit limit has now been reduced from GBP 25 to GB 12. The fee for making a late payment has now been reduced from GBP 25 to GBP 12.
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withdrawing money from credit cards
Hi, I wanted to withdraw a large sum of money from my credit cards as a cash advance, but the last time i did this i had problems with payments for a number of reasons. However, it has been paid and i'm in a position where if i did take the money out, i would be able to pay it back within a month. I was wondering is there…
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2 credit cards with Halifax?
Hi, I have an Amazon credit card which is provided by Halifax. I recently received an application for another credit card through the post which is also provided by Halifax. Was it sent because I already have a credit card with Halifax?.........wyhy would they offer me another credit card, when they have already decided on…
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Virgin card
Hi there guys! I have just checked my virgin card statement online. I have requested to set up a minimum DD payment monthly. My first minimum DD payment shows £55 out of £4750. This doesn't seem right as my credit card agreement clearly states that minimum payment is 2.25% of the total balance which is £ 106.87 according…
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Weary credit card tart - help needed
I started tarting a few years ago when I was employed, now I am self-employed and never find the time to keep the debt on the move, (plus have been refused a couple, probably because of being self employed) and am inevitably now paying high interest. My plea is this - with nearly £16,000 on 3 cards currently, what is the…
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advice on balance transfer please
could you please help out my cousin with the following scenario... she would like to get £3000 hard cash via the balance transfer route.... please let me know what you think of the following: Apply for a low interest/life of balance card - Capital One 6.1%ish Apply for an egg money card Balance Transfer from Capital One to…
