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MBNA From 16% to a whooping 28% (help)
Hello, my bank of scotland card was transfered to MBNA, about 1.5 years ago, i have been paying this balance off for a couple of years with no purchases, they have just increased my interest charges from 16% to 28%, thus i am paying an extra £60 interest per month in interest on top of the interest that they charge,…
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0% Purchases workaround?
Hi all, Doing my usual card shuffling and was wondering if anybody has worked out a way to to access the 0% offer on purchases ie without actually buying anything? Surely you must be able to make it look like a payement either to an egg money card or similar, quite happy to be blasted out of the water for being thick but…
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Credit card article
Can't figure out how to let Martin (or other techies) know that Asda also do a credit card which offers 6 months 0% on balance transfers FEES FREE from 6 weeks of you activating your card - the 6 months start from when you transfer the balance. Also as it offers 6 months 0% on purchases as well (from account opening - so…
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Morgan Stanley Credit Card Interest Is Charged On The Full Balance
Hi Everyone, I thought I would inform you about how Morgan Stanley are calculating their interest on their credit cards, which I think no will realise. Last Christmas time my father got a Morgan Stanley credit card, as they were offering cash back on purchases. Can I also point out that my father always clears his bill…
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How to build a credit rating coming from abroad???
Hi fellow moneysavers, Just seeking useful advice on how to build my credit rating as I am a bit stumped on what to do in my situation... I am a NZ national but have been living in the UK for 2 years and 7 months. I have never owned a credit card in the UK letalone NZ but decided a few months ago to apply for one here to…
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How to build a credit rating coming from abroad???
Hi fellow moneysavers, Just seeking useful advice on how to build my credit rating as I am a bit stumped on what to do in my situation... I am a NZ national but have been living in the UK for 2 years and 7 months. I have never owned a credit card in the UK letalone NZ but decided a few months ago to apply for one here to…
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Being charged interest even though it's supposed to be 0%
I've got a GE money CC. Had it since August and it's supposed to have a 12 months 0% interest on both balance transfers and purchases, I've just noticed on this months statement I'm being charged interest of 1.02% on the balance transfer (it also happened last month, but I didn't look it at carefully then). How did that…
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Eek, my card details have been "compromised" - possibly on Amazon UK!
Had to call Virgin/MBNA this morning as my card was declined for a couple of online transactions I was trying to make, and have been informed that my card details have been 'obtained' and MBNA have blocked fraudulent use of my card. Chatting to the MBNA security rep, she informed me that they are seeing a pattern develop…
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Nationwide Credit Card Online Servicing
Nationwide appear to have upgraded their online banking in relation to credit cards. You can now opt for an 'e-bill' Increase your credit limit Order a pin reminder Order a replacement card I'm happy with the ebill as they were the only paper bill that I still got. Useful for security and for reducing junk!
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How easy it is to get approved for Mint??
Hi everyone, The subject reflects the question, how easy you guys think it is get approved for mint? I'm sure there are a lot of mint cardholder here who can answer my question. Waiting for reply. Thanks in advance. FAHIM.
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are purchases brought with credit cards covered for accidents
Hi i recently purchased a bathroom suite using my credit card. unfortunately I then put a hole in the new bath. Ooops. Does my tsb platinum have an accidental damage insurance? thank you for any information
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Halifax offering me O% on purchases and B/T
Got a letter the other day saying that they were going to send me a C/C without any need for me to apply. I did used to have a Halifax card and don't rmemember if I still do, I have bundles of cards which I've used for the 0% in the past. They say I can have 9 months 0% BT plus a fee and 0% on purchases. Now I like to make…
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Discharged Bankrupt's and Credit Cards
Just wondered if anyone who have been discharged from bankruptcy have been able to get a credit card, if so which ones? I was discharged two years ago and have been refused even a Vanquis card.
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card charges
Hi everyone, I'm new so sorry if this has been asked before, I have looked but i can't find the answer to my question. OK! Having obtained the last six years of charges from MBNA, all £25 for late payment or over limit, I am ready for the next stage. But, do I ask for a full refund, or for a full refund minus the now…
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Help with sums
Hi, Can anyone help me work out my interest on a potential balance transfer please ? I have an exisitng loan (unsure of exact APR) The orginal loan amount was 10k. I currently pay £203.57 a month and I have 42 months to go. I make this a total of £12214.20 to be paid back of which I have paid £3664.26 already leaving an…
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Quick Question - Help Please?
hello, I know I've seen this here somewhere but can't find it again.... does anyone know where there is a list of who each is credit card is owned by? Like who does M&S use for example? :confused:
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life balance charge
hi all can somebody shed some light on what the life balance charge is on credit cards and what chance and somebody got if their credit score isn't too great thanks
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Is Repayment Cover Necessary?
As I am almost at the limit on my Bank of Scotland Mastercard I have been trying to see where I can cut back. I am not in a position to change to a 0% card as I still have a bad credit score from events a few years ago. On checking I notice that I am paying £47 a month for repayment cover on this card ..... obviously I…
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Egg Credit Card - 0% interest
Egg sent an email on November 6, 2006 - stating the following. With a rock bottom 0% interest until 1 May 2007 on any new purchases or balance transfers, now's the perfect time to use your Egg Card. From 2 May 2007 you'll pay your then current standard variable rate on any balances remaining from those purchases and…
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N&P 3% Balance transfer fee
Hi, I applied for the Norwich and Peterborough credit card after reading this site. I was looking specifically for a fee free card to do a balance transfer. I read the article on this site which says that N&P don't charge a balance transfer fee. I accept ultimately it is my responsibilty to check but usually Martin is spot…
