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The Rules ? or am I just not profitable ?
I have lived abroad for a number of years. When I left, I had an open account with the HSBC and have since taken out a credit card with them which I use for expenses when I come home for visits. Recently, when the card was about to expire, they wrote to me and requested that I phone and confirm that I wanted a new card to…
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Gambling charges on credit cards
I just got my first statement on my &More credit card and found a few gambling fees. I called the helpdesk and they mentioned a definition in the terms and conditions: "cash advance = ... and any betting and gambling transaction" and there's a 2.5% fee on any cash advance with a minimum of £2.50. Is it normal that credit…
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Interest Disclosure
I manage my accounts online a great deal, and have just been browsing my A & L credit card account, I cannot find the interest rates I am being charged. Even if I go to help there is no option there. Am I missing something or are they trying to hide this from me. Its not even on the monthly statements when I view them on…
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BT question?
Is it possible to bt from a credit card in your name to one in your spouses name?
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credit card interest
Greetings from a newbie. Have a question for all your learned folk out there. I paid my balance on my Virgin credit card off on the 2nd May (my end of month date being 6/7) but was charged interest on the 11th?? I was under the impression that if the balance was paid within the set time no interest was charged? Am I losing…
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Morgan Stanley Caskback refund!
Having been threatened with the £20 per year fee on my card I cancelled it and requested the cashback balance. This was refused verbally so I wrote a letter pointing out that the change of condition only allowing refunds in £15 multiples contravened Unfair Terms in Consumer Contracts legislation. Today I received a cheque…
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How to ask for lower interst rate?
Hi! This is my first post here, so please be patient with me. Here's the situation: I have a Lloyds TSB Amercan Expess credit card with a sky-high APR. I've just received an LOB offer from Halifax for 5.92%, balance transfer fee 3%. Sounds good, but… I have rather a large balance on my Halifax card, and a large element of…
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will being declined for a credit card affect future applications??
iv recently been declined for a hsbc credit card (my bank) but i am going to need one for my job (hotels/food etc). im thinking of applying for another one with some1 else like vanquis. but because i have been declined will it affect future credit card applications, and does it mean that if i apply for another 1 i will be…
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Are companies allowed to charge you extra for paying on debit or credit card?
Hi guys, I was wondering if anyone on here knew whether it was legal to charge people extra for paying for a service/goods by either debit or credit card? Is there any limit to the fee or percentage they can charge? Thanks very much!
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The Natwest Credit Card
Whats the likelihood of getting a credit limit with these guys. I know you can't find out exactly until you actaully apply but what limits have you been offered by them? Do you reckon their balance transfer offers are decent within the marketplace?
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should I wait to get a new Credit Card?
howdy!!! I have a Barclaycard and and APR is 21%. To get myself out of debt, I have recently (3 weeks ago) opened a new bank account. I still have my old one (which is in minus of 136.00) and from my new account (no overdraft) I pay into my old account at £30 per week until the balance is at 0. Then I can close my old…
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Prepay Cards - Can a retailer tell the difference?
I have booked one of those Ryanair flights to Milan and was thinking of getting a car while we were there. But most, if not all renters will onlt take a credit card for payment. I dont have a credit card but was looking at a prepay card specifically for this reason. Does anyone know if the retailer will be aware that it is…
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Pay off overdraft with Credit card
I've just taken a Barclay Platinum Card to transfer my ££800 balance to form my Virgin card, After a major budget review over the weekend we've realised the 2 overdrafts we have equate to £1600:eek: So I'm considering is it worth writing a cheque from my virgin credit card account to clear and pay the overdraft before I do…
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How do I claim my credit card charges back?
Hi I know how to claim my bank charges back, and I have just sent off my letters to Nat West to start that process. The problem I have is that I would like to claim my credit card charges back, I did have 8 cards, now have 2, as even though am a single parent to 2 kids, I managed to pay off the others. Question- how do i…
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Balance transfer to pay off OD
I have an OD with Natwest which i am paying off rather too slowly :( I also have a M&S card with no outstanding balance on it, they r offering low rate BTs should I go for this, seeing as it will need no credit cheque? Also WILL they transfer to a bank a/c? If not is anyone left who will transfer to a bank? OR should I go…
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I have been chaged £20 but............
Hi I have been charged £20 late payment fee by my credit card because although the company recieved the money on the payment date it was sent to another department, I have dyslexia and pressed the wrong number as they have 2 numbers for that company. They did not return the money to my account but transferred it internally…
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Nationwide Visa Credit Card - Buying Currency ?
I've recently opened a Nationwide Visa card for using abroad. Going on holiday to US next week. I've been delighted so far with everything to do with the card, the opening of the account was straightforward and any dealings I've had have been excellent. One thing I am not sure of. If I were to buy currency from Travelex,…
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ICICI Credit Card Application - Delay
My recent experience in trying to get a credit card for bal trfr purposes from ICICI have been very frustrating. I applied by post to their Knightsbridge branch on 27/3. On 24/4 they told me that my appn had been approved & I should receive the card within 7-10 working days. It's now 17/5 and I'm still waiting. Their email…
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Balance transfer on cancelled card?!
I know very little about credit cars and balance transfers, other than what Ive read on here, so please forgive me if I sound thick :rolleyes: My boyfriend had a credit card with Natwest which he has not used for over 4 years, but he's still paying off the balance. The balance is currently at about £700 and he's paying…
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Lloyds platinum. Purchase protection???
I bought a expensive thing on my LP Card and its been accidently broken I rang them up and they said Tuff u broke it u fix it , I thought most cards offer some sort of insurance on new purchases? Or am I wrong?
