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Could you mange without any credit cards?
i've managed to get rid of all but 1 of my credit cards. i'd really like to have none but i'm a bit scared to let the last one go. Do any of you have no credit cards at all and if so would you ever consider using them again?
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Unfair charges
Does anyone know if it is possible to claim back unfair charges on CC`s after the account has been passed to a collecting agency, the debts have arrisen because of the accumulation of these charges. Ther are quite a few cards and quite a lot of debt. Any advise would be greatly appreciated. Thanks. :confused:
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not enough credit limit for balance transfer help
hi, i'm new to both the site & the forums, having read the article on transferring existing balances to a new low rate card, i went & applied for the m&s more card, i recieved the card today, but the limit was only £1,500, after contacting them they upped this to £2,500. trouble is i need to balance transfer £5,300. they…
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Confused about minimum repayments
Hi all, I'm using 0% balance transfer cards to help try and pay my cards off a bit quicker, and I'm a bit confused regarding the minimum payment. I've transferred some to an Abbey card, and I was expecting a minimum of around £100, but it's only £5. I've was going to apply for a Tesco 0% transfer card, until I saw that the…
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Fraud Frenzy ITV 8PM Tonight
As credit card fraud begins to run out of control, Tonight investigates the impact of a problem which the police can do little to contain. Fiona Foster talks to individuals suddenly faced with unexpected purchases listed on their statements, companies left to pick up the bill for stolen goods, and banks struggling to…
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Quickie - How Long Do PPI Claims Take ?
Hi Board, As the title suggests, i am trying to juggle my options, and i wondered if anybody knew from their own experience how long it takes the CC companies to process PPI claims until they begin to start paying the instalments please? Cards of interest are Capital One, MBNA, (and Virgin). Thanks all, Andi.
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GE Money Card never accepted at Toys r Us
The title says it all really! My GE Money Credit card never works at Toys r Us It works everywhere else and always has done for years. It's something to do with Chip n Pin. (And it's got nothing to do with the amount tendered - in fact the card fails before PIN entry so it hasn't even gone on line to the acquirer at that…
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Please HELP - Cant pay CCs due to illness
Hi, I am in a bit of bother, and was hoping i could get some advice please from the forums. (I am also going to the CAB tomorrow, so getting some advice from here first will be useful !). I have been unable to work due to illness since last summer, and my only income is Incapacity Benefit. Up until March, i have been able…
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FTB,apply now or wait untill moved house?
hii, as the thread says, im currently still living with my parents, my credit rating is 999 and im moving into my new place with my g/f on the 6th may, ic could really do with either a 0% balance transfer or a cheap one such as the marks and spencer card anyways, do you lot think i should wait untill ive got my new home,…
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Credit card protection for Ebay paypal transaction - Please Advise
Hi there, on march 13 i paid for an item on ebay through paypal for a total cost of £576. when item didnt arrive for sometime i enquired and seller said that thier supplier has made a right mess and so he/she will need to process the refund but said it will take 21 days. To be on safe side i opened a dispute with paypal…
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WARNING: Lloyds TSB Balance Transfer fees arbitrary and wrong
Perhaps 6 weeks ago as an existing customer, I received an offer from Lloyds TSB of a 0% (sic) Balance Transfer with a 2% handling fee if I made the transfer before the 30th March. The offer was available until the 16th April I believe and interestingly (and this is where the arbitrary bit comes in, if the balance transfer…
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Can you pay a credit card bill with a credit card?
Hello Morgan Stanley have stuffed up on my cash back card meaning I've lost out on about £100 worth of cashback. I had to put the purchases on another card for which I've now had the bill. Assuming Morgan Stanley manage to send me a new card in time (doubtful!) can I use it to pay the bill and therefore still get cash? Any…
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Mbna
I would like some advice please!! I have recently noticed that the interest being charged on my card has shot up, when i queried this with MBNA, they told me that because the account, in their opinion, was a high risk account, they have increased interest on that account by 10%!!! which now means i am paying a whopping 25%…
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0% Purchases on Credit Cards query
Can someone tell me if i purchase items on one of these credit cards do i have to pay off a certain amount each month so that i wont get charged or can i just buy on it for 3/4 months and not pay a penny on it?
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Egg Money - problem viewing statements
I am unable to view my April statement online. I have e-mailed them to ask why and after an attempt to tell me it was my fault and to change my internet settings, they have now told me they will be sending me a paper statement, at NO CHARGE, like they're doing me a favour! Has anyone else had this problem?
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Is it worth it?
Seeing the slow decrease of CC's that now offer decent rates of cashback or rewards, I have to ask whether it's worth the hassle of moving around so often to get the 'latest' best offer. Egg Money is open-ended at the moment, and on past performance Egg may be likely to review the cashback rates in the future (again,…
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Help claiming back excesss chargesfrom MBNA
Help! I have sent 2 letters to MBNA requesting statements including a £10 fee(which they have cashed), but have received no response from them. I contacted the information commissioner and have been told that they will contact MBNA, but have heard nothing since January 2007. I am still keeping up the payments on my credit…
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Help.... cancelling credit card payments!
Not sure if this is the correct forum but can anyone help me? I've got a nightmare with Pipex Internet still taking payments from my credit card 2 months after I left. Is there anything I can do other than disputing the payment with the credit card company in this case Morgan Stanley? I havn't actually spoken to them yet…
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New CC Card
Hi, I have recently applied for a M&S &more CC and have been accepted and have already BT'd the maximum onto it. I originally had a normal HSBC CC on which I have now £900 left. I don't think that the HSBC card is particularly great for interest or cash back etc. So I was wondering whether I should apply for another CC now…
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Difference between Egg Card and Egg Money Card
Wife was just about to apply for an Egg card after closing her Morgan Stanley card. However having read a few posts on here about Egg Money, can someone just confirm that Egg Money can be used just like any normal card for spending, receiving monthly statements and then as long as paying full balance off each month paying…