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Why isn't this being promoted?
I've been following Martin's advise and have finally moved gas and leccy. A week later I got a letter from Amex advising that the cashback is being reduced on my blue card. I've checked my spending and in the last 12 months I did £2,700 with them and I don't earn enough for a Platinum. Most of that is on (or rather IN) the…
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What charges on cc for goods from USA?
Hi there - I have a standard Natwest cc (visa) and a Nationwide flexaccount visa. What charges are there on my credit card for goods bought online from the US? Is it a percentage of my purchase or is there a standard charge? AFAIK, they will want payment in US$. The item is a simple $17.99. Thanks in advance for your…
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Will too many cards give you a bad rating?
Hi all, In the past ive had cards with egg and marbles which i assume have been closed down, as i never used them atall, and havent heard from them in about 5 years. Currently i have 3 accounts with mbna, 1 citibank, 1 halifax, 1 if and 1 capital one. However i only actually use one of these , my mbna mastercard. The…
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cc for student
I am a postgraduate research student with a tax free income of £9500. I have a mortgage joint with my husband which we have no problem paying. And a credit card with my current account bank which I have paid late once (only 2 days late and it was cos i was ill and they gave me the money back when i called). I was hoping to…
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Forcing Card Closure - Help!!!
I settled 2 credit cards last October and requested that the cards be closed. I have since then been trying to close both cards without sucess and still receive statements and credit card cheques for the accounts. I have verified that my requests have been unanswered by obtaining my credit file which shows the accounts as…
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Help needed with interest calculations
Hi! I am hoping someone can help confirm roughly how much interest I would pay on the following: As an existing barclaycard customer b/t rate according to website is 6.9% pa. Assuming I transfer £3000 after I have paid my current bill off in full and the then not spend on it and then make minimum payments each month…
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which card is best for low credit rating
I want to get a credit card but have 1 default in my credit rating from 2 years ago. I was rejected by my own bank(RBS) for loan & CC in Jan this year & by barclaycard in Jan this year for a high rate card. I did get HP for a car in Feb this year. I would really like a card for security but with a low limit on it, who is…
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New balance not high enough...
We've got a BOS card which has just come to the end of the 0% period. We moved current accounts to A&L and gained £50 from quidco (yay) and also applied for their 0% cc. Just got the papers through and the balance isn't high enough to do a full BT from BOS. We are £2k short. What would you do? A) apply for another cc in my…
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69.3% Apr
That's what Barclaycard charged me for a £50 cash advance last June. I have NEVER previously withdrawn cash on a credit card, but was forced to late one Saturday night when all the cash points in central Oxford were either empty or not accepting my Connect card, and in desperation I put in my Barclaycard for which I had…
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Can Someone Work This Out For Me Please
If i transfered a balance of £8.500 to another credit card and the interest rate is 5.9% a month for the life of the balance what interest a month would i be paying. Thankyou
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Egg Money - Security a mockery
My wife has been a second user on my account for only a month. All her transactions have been in local shops using her PIN ie none over the internet using the 3 digit security code. She changed her PIN to one she usually uses at a hole in the wall. We have today been warned via an Egg automated telephone message that they…
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Sky Credit Card Customer service - Ask for a Manager
Got my first statment from Sky Credit card last week and they'd charged me £25 for a Payment break plan that I didn't want. So today I called them up to tell them. Got through to what I presume was India. Me: I have been charged £25 for a payment break plan that I didn't want Them: Ok, I shall cancel that for you and you…
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Post Office won't do BT's to American Express - Beware!
Recently opened a Post Office Platinum card to take advantage of fee free balance transfer and 0% deal (Martin's best buy) and today rang up to transfer a balance from my Amex (cashback) card. However, I was told that they did not do transfers to Amex but the call handler was unable to explain why. She even seemed…
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Nat West Cards
My OH has just applied on-line for a Nat West Card and got a message stating that they cannot give a decision at this time and will contact her in 10days. She then got another page displayed headed Pre-Contract information with the T&C and a reference number. Would anyone know if this is a favourable sign, or is this…
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Capital One Confusion
as the title probably states, im confused with capital one. i was approved for a card, and was sent the documents to sign. when i did, i didnt tick the payment protection box, and then waited about a week when another letter arrived, the letter they sent; "when you applied for a capital one credit card, you made a request…
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56 day interest free period.
This is a simple question which hopefully you should be able to answer for me as none of my mates\work colleagues could give a clear answer. I've got a Barclaycard which I presently pay off in full each month to avoid any interest charges. Usually I make the fully payment as soon as the statement is generated but this…
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can i get a 0% interest cc with adverse credit?
Hi, I've had a few late payments in the past and HSBC recently registered me in arrears for about 3 months in a row which hurt me bad but it's all paid now. I just want to get an interest free card to transfer my balances but i've been turned down now by a few banks. Does anyone know of one that might not be so strict?
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Quick question re: Egg Money
I recently BT a positive amount from my Egg Money card which left a small positive balance on the account. I now want to make a purchase which will leave me with a negative balance in the same statement period, can I do this without incurring any extra charges? I intend to clear the full balance when payment is due on next…
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Tesco credit card new applications
Had a look for a discussion about the tesco credit card changing it's conditions but did not find anything. I read on here in one thread or another that Tesco clubcard credit card was offering 2 points for every pound spent in store and a point for all other spending. So I went to have look and to get one and found that…
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Barclaycard & Credit Rating
I have an extremley poor credit rating yet I do have a BarclayCard Gold which I have had for 3 years. I have a 5000 limit on this card. Since I've had an account with them I've changed address around 6 times. My latest address is in Denmark as I called them and told them I was working out here for six months so they…
