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Barclaycard liftetime 0% - charity messed up monthly £1 payment
Around 2 years ago I set up a regular donation to the Dogs Trust charity using my credit card following the excellent advice here. Every month the £1 donation has gone through with no problems. In January 2007 Dogs Trust did not claim the £1 and instead it was claimed on the 1st Feb. This meant I was no longer eligble for…
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Credit Card application, NewHomeownerVlong term renter?
Hi, I am irish & have only been here in the UK for 2yrs, hence while i manage my bank account well i have a poor credit score due to not having a long term credit history. I cant build up credit because i cant increase it. I am due to move out of rental accomadation & into my newly purchased house in 2 weeks wondered if i…
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Need to transfer my virgin credit card balance
Hi, I am terrible with things like this, I want to transfer my credit card debt which stands at about 1,500. I would like to have no intrest paid for a while. I am correct in understanding that if I moved to Marks and spencer it says that : Fee free balance transfers at just 4.9% p.a. for the life of the balance…
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On-Line Bingo payment - Treated as CASH by Capital One!
I have played on line bingo twice, on each occasion I paid just £10 with my Capital One credit card (I am not a gambler, just wanted to waste an hour). I was astounded to find that Capital One have treated my latest £10 inpaymnt as CASH! Not only that they have charged me a £3 cash advance fee plus they are charging me the…
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Credit rating?
Don't know if anyone can help but i've been a bit of a credit card tart in the past but have lost track of what cards i've had, what ones i've cancelled and what ones are still registered in my name:confused: Is there a way I can find out as when it comes to taking my next (and hopefully last) card out I don't want to get…
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Best way to obtain cash on a Credit card
I want to buy a used car that costs £4.5k and i'll sell my current car for around £2.5k. If i could buy the car from a business i would use my credit card then do some 'tarting' to give me a while to pay off the difference. However, it's a private sale, so i have to pay cash. What is the best way of obtaining the cash on a…
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The best CC for me (help please)..
Hi all, Looking for a CC, my first one. currently with NW for banking, looking for maybe a few months of 0% on balance transfers and maybe some cashback or perks. Wont use it a great deal, for internet transactions and purchases when i go to europe backpacking in june. would be good for the credit rating as well! any…
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If I reclaim my charges will they shut me down?
Hi All I am about to emabark on trying to claim back all the overpayments my nbank and credit cards have overcharged me over the years. However, before I do, can they chose to close my accounts down, or should I only try and get money back from those companies I have since closed my accounts with? Any suggestions warmly…
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what now!!!
my mbna credit card 0% finishes 27 march i transferred the remaining monies from card to capital one offering low interest on balnce transfers for customers who hold a card with no credit on it. anyway i transferred my balance and got my bill from cap one today which didn't tally with the balance transfer, so i phoned them…
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Help me choose a card please
Hi, i normally have a balance of £200 - 1k on my debit card, never go into the red. I dont really spend that much, most of all my outgoings is direct debits but i like to manage my account online. I currently have a lloyds tsb debit card which is brilliant for organising online but is there any better? Is it worth me…
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Help closing store card
Hi I am having extreme difficulty in closing a Next store card account and would appreciate some advise. I'll try to keep it as brief as possible. I first wanted it closed in aug 05 due to some issues I had which resulted in a written complaint, I got a letter to confirm the account was closed and checked my credit file,…
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HSBC Troubles - is it legal?
Hi all I applied, and was accepted for an HSBC Credit Card as advertised (and still being advertised) "Our Credit Card offer gives you 0% interest on purchases for 6 months from account opening and 0% on balance transfers until 2nd April 2008". The t's and c's came through, everything was fine, and then about 4-5 days…
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Late Payment Charges
I have a barclay card (please no stepping back and making the sign of the cross, or hissing or booing!!) I have at last seen the light and applied for a 0% virgin credit card to transfer my balance. However, that said, I have had a BC for as far back as I can remember. I usually pay on time and pay 3 or 4 times the…
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Phone call from credit card co
Is there any guide lines on when credit card companies can telephone, I am getting call constantly from Monument I dont owe them any money they wont tell me what it is about unless I give them all my security details which I am not prepared to do the number is withheld or I could bar the call, how do I stop them I have…
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Payment Protection, and card insurance stuff!
Hi, Is it worth it? I think I have this on most of my cards, is it easier to have just one? Please advise a student in debt in desperate need. Thank you.
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My credit cards are messing with my head. Help?
I'd like to get this off my chest but also ask if I'm going about sorting my credit cards in an intelligent way or have I missed a glaringly obvious error in thinking? I've read through the credit card 'tart or not' information but now I'm feeling a little dizzy :) I have two credit cards at present Egg and Mint Now I've…
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MBNA Cards
I have around 3,000 on an MBNA card and want to transfer it to another crd but i want to make sure it is not another card issued by MBNA. Is there is a definitive list Thanks Jo
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Card Protection Plan (CPP)
Hi Does anyone know if this is worth having. I signed up to it once but notice that they are taking £29 per year from my account - I'm not sure whether it is even needed. The company - Card Protection Plan Limited - https://www.cpp.co.uk - when I got my A&L credit card I must have agreed to this at the start. If its not…
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Pre-paid credit cards
hi,anyone got a pre-paid credit card wondered which is the best one, got a very low credit score unable to get a credit card
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Advice please on the best cash back deal for my circumstances?
I have been constantly using my current account (which I use as a business account) for all my business transactions. thought about it and thought surely I'd be better off using a credit card for all my petrol and other expenses and pay the full balance off each month. so any suggestions which would be best for my…
