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Trying to pay off credit cards - Advice on consolidation.
Hi, I found myself in a relationship split that left me in debt and then I had to use my cards to pay bills as I am a single parent. Unfortunately I put a holiday on a card and you guessed it didn't get the 'half' back from the guy. I have started uni and now have no earned income, although previously to that I had worked…
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Mint Card Be Warned
I don't use my Mint card much these days. However I forgot I have linked my e-bay account to my Mint card. Last month I sold an old TV set and was charged by e-bay for the transaction. The charge of £3.58 was made to my Mint card. A month later I got the bill and put on my to-do pile. Because of the low amount owed I…
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Bank of Ireland BT
I have just recieved the Bank of Ireland Ulster rugby applic , which is a 0% , no fee for 6 months , my problem is it wants to see the last credit card statement to complete the BT as this card is the egg which has no neg balance on it Has anyone managed to get round this prob Can i just create a neg balance ?
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MBNA purchase of BOS credit cards
I got a letter a few months back saying MBNA was taking over my Bank Of Scotland charity credit card. Has anyone heard anthing further? What about any introductory offers as part of the takeover? I already have a virgin card so hopefully there may be scope to combine limits and make the most of any new offer? Many thanks.
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HSBC cannot make balance transfer to RBS help please.
Hi, after months of trying to get a HSBC credit card 0% interest until April 08 and finally being accepted we have come up against a brick wall when trying to transfer a payment to Royal Bank of Scotland from the HSBC Card. My partner phoned HSBC this morning and asked them to make a transfer to his RBS Mastercard. We were…
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Going over your credit limit
I know there is a standard charge of £12 with most companies when going over your credit limit but is there a grace period where if I make a payment asap then the £12 charge won't hit the account. Or does the £12 hit the account straight away. How does it work with the following companies:- Barclaycard Halifax Lloyds HSBC…
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Capital One Credit Card Fraud - Help please
My friend, Daisy, received a call from Capital One in 2005 informing her that someone was attempting to use an unregistered card in a shop. She told them she was at home and in fact had not received a new card from them. Apparently a new card had been sent to number 23 instead of 23B. As she never used the card she decided…
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How to make claim on a credit card, help please
i bought a dog kennel off ebay, when it arrived (i signed for it as unchecked as told to do by seller) it was damaged, there was a split along the back panel and a small chunk of wood was broken off from an outside panel, i emailed the seller to tell him and said i'd send some piccies of damage which he replied 'please…
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Would an Indian call centre put you off an account?
Hi fellow moneysavers. I've just managed to get a credit card with Citibank but a little apprenhensive about their customer services being in India. I'm concerned that if anything was to go wrong (e.g fraud) would they be able to assist me in a way i would expect if the call centre is UK based? Am i worrying about nothing…
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Morgan Stanley cashback card
Hi. About 9 months ago, I signed up to a MS cashback card offering 2%. They do the same card now (platinum), but with a cashback offer of 3%. I can't recall the precise terms, but its essentially 2% on any spending within the first X months up to a total spend of £Y (2500 i think). After which, the cashback drops to…
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Anyone do cashback on the Halifax One/Natwest card
I see that the Halifax card has the features below and was wondering if anyone knew anywhere I could apply for this card in order to get some cashback/points or if not this card then a similar one that offers cashback. Typical 15.9% APR (variable) 0% for 12 months on purchases 0% for 12 months on balance transfers 3%…
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What Credit Card for me? Mainly for fuel and hotels
Hi, I've just got a new job starting in two weeks time. I'm sorry to start a new thread on this when there is already advice out there but I do have some specific needs. I will be doing a lot of driving and also staying in hotels in the week so one of my new colleagues advised me to get a cashback or reward credit card.…
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Please help me decide which card to go for?
Hello everyone, I am planning to apply for a credit card, i don't really need 0% right now on BT, but looking for a low rate card. I have some cards in mind and was wondering if anyone knows how easy is to get them and their experiences as well. The cards are: 01. Lloyds TSB Advance MasterCard - 11.9% APR. 02. Co-Operative…
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Ulster Credit card
Hi I just phoned a branch of Ulster Bank to send me a credit card app because they don't seem to have an online application or take telephone ones. Anyway one was received this morning with a note to return the application to the branch for review .... a handwritten envelope enclosed with no stamp.... The application…
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Credit Report Query
Hello, I have just received my credit report and saw it is full of 's and a few [.]'s. Does this look bad? On the legend it says = unclassified (no payment due or recently opened account) and [.] = no information supplied by lender. Most of the entries are past mobile phone contracts with a few credit card entries. For my…
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Prepaid Cards
Anyone know much about them? Whats the state of the market like at the moment? Is it a fairly new area? Any ones to avoid? Any trends etc? Thanks.
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Dont Pay To Ring Post Office Credit Card Telephone Banking
Due to a typo in the Post Office's guide to using their telephone banking service I have discovered that their free sales number (0800 169 2000) goes straight through to the same people who deal with your account enquiries which would normally require a local rate 0845 call. So use the 0800 number and save some money. This…
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Can a Penalty Fare Notice affect your credit score?
I normally drive to work but yesterday I had an early morning meeting at a different location which was more accessible by train. I arrived at my local station with six minutes to spare, and queued up for the train. Unfortunately, the staff were serving customers very slowly and there was still one person in front of me in…
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ann marie
i have a catalogue account which i no longer use but still have money outstanding. (littlewoods) can i claim back overlimit fees and late payment fees back many thanks
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do all credit card companies offer the same limit?
i'm loooking to apply for a 0% credit card, with a 2 - 2.5% fee on BT and was wondering if most card companies will offer roughly the same credit limit? A couple of cards appeal to me, Tesco bonus being one but for some reason I'm wondering if they'll offer a smaller credit limit than say, Egg or Morgan Stanley etc? Any…
