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Tesco "just In Time" Payments
I have recently received a £12.00 fine and an interest charge of £4.20 all for an outstanding payment of £56.07 when I arranged a BACS payment which did not clear until the day after it was due! I have never missed a payment before on any card, but have struggled with the Tesco card because the statement always seemed to…
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PayPal credit card
PayPal card is with with GE Capital Bank: its 0% on BT for 9 months (fee 2.5%) and 0% of new purchases for 6 months (APR 12.9% thereafter). Just applied online and got immediate acceptance as from next month, I wont have any salary for a few months as I will be going onto addiotional maternity leave when you dont get paid…
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MBNA sonycard not helpful
I am due to pay my sonycard on the 15th, however the pup has chewed the corner of it,meaning it cannot now be paid at the bank as the numbers on the payment slip are missing. yes he actually did eat the very bit that's important... I rang them to explain, using the 0800 number and just keep pressing # to bypass the menu -…
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Too Much Credit
I have now transposed through numerous 0% balance transfer credit cards over three years to the situation where I now have 15 credit cards with a total of £112,100 credit (annual pension £35,000). Obviously some are now dormant but I sometimes worry that my ripping off of the credit card companies has to come to an end. As…
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looking for a new credit card
I am looking for a new credit card which has no minimum spend on their 'purchase protection' it must also protect me if ordering from abroad. Is their such a thing? Barclaycard cover all purchases but not from abroad. Tesco has the lowest minimum purchase protection but it is still £25, which will not cover dvd's, cd'c…
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Why can I no longer get a credit card? Refused twice
Hi MSErs In the last 2 months I've just been refused two credit cards and am at a bit of a loss/concerned as to why? One was American Express a couple of months back and just recently Natwest. Now, I have a pretty good credit history over the past 5 years. I've had about 4 different credit cards (some 0% balance transfer…
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Which card to choose? Help required!
Hello, I'm currently in the process of applying for a credit card. I'll be using it for two transactions, and two transactions only.. One to pay for a car, in the region of £3500, and one to pay for the insurance.. which should be in the region of £1800. I therefore need a credit card that will give me a limit of £5300. MY…
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Can they do this- legally ?
hi there Some time ago when i was getting debt free I paid off and closed down a credit card :A I am now going after them for overlimit charges and I am about to sue them via the courts. The card provider in question has taken it upon themselves to reopen my account and credit it with part of the money which I am claiming.…
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Applying for cards in a short space of time
I have quite a few cards already and want to try and apply for one more. I applied yesterday and got accepted for a new card but the limit they gave me was only £1750. I have been given various offers from my current cards and am reluctant to shut any of them down in case they give out a really good balance transfer offer…
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Getting Charged Interest on a BT Fee? Not Me!
I recently tried to close my LTSB Trustcard that I've had for years. I was put through to their 'closures' (read, 'retentions') department and was offered a 0% deal for 9 months with a 2.5% fee. I duly accepted this. I got my first statement through the other day and saw that they were charging me interest on the £120.73…
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No credit card only vanquish credit card why?
I have never had a credit card before or any thing on credit and pay all my bills on time and do not use direct debit but the only credit card i could get is a vanquish credit card why is this are there any other cards i can get,
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Losing battle with credit score!!!
Hi there, My partner and i have had a few debt issues in the past gathering late payments etc.... Anyway a few years back we went to see a mortgage advisor and he obviously said we need to work at the credit score to become more appealing to lenders. Since then we have been making sure we have no late payments and have…
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Egg Money BT
Can someone advise me I have an egg money card that I have never used - it has a credit limit of £1,700 I have just been offered a BT of £2,750 with Tesco. Can I transfer the £2,750 to Egg money? How long do I have to wait to transfer it to another account and would I be charged for this? Thanks in advance
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credit card bt
Please could someone advise me what i should do. I currently have about £600 on my card to pay and car needs MOT this month so estimate another £150 will need to go on I due to bad circumstances have had to rebuild my life for me and my 2 children otherwise i wouldnt be in this situation. I would like to know how i can…
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Capital One 15 month 0% balance transfer offer - what's the catch?
I picked up a leaflet for a Capital One 15-month 0% offer on BTs (expires end of July). There is a 3% BT fee, and the leaflet says this will be added to the fourth statement (the offer also includes 0% on purchases for 3 months). Is this one of those sneaky situations whereby the BT fee sits on your statement attracting…
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Just a quick question.... help please
Sorry if this sounds daft i am not too sure! When you have paid off a credit card in full can you close the acount / cancel etc??? If you do will it have any effect of your credit rating?
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Feeling Stupid - Halifax One BT 0%
I'm trying to address my debts and thought I should transfer my Egg card balance of 9K to my Halifax One CC on 0% Balance Transfer. (I already had a balance of 2K on Halifax One) This went through ok, except now my H'Fax card has gone from £6 Interest per month on the 2K, to £106 per month on the 11k. I feel so stupid as I…
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first credit card question...
just got my first card 0% 12 months. made a purchase. set up DD for minimum payment. its now showing online as minimum payment £9.56 due 29 may. iam intending to pay £50 ish per month off the balance. now, do i wait for the statement to come through the post and the minimum payment to be taken by DD until i make an…
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hi - a quick question - please can someone help!
hi all! forgive me for not quite understanding this whole credit card thing, (first post)... a bit nervous :P if i was to say spend £4000 on a credit card (0% purchase for 5months and 6months balance free transfer) when would i transfer it to another card to ''tart'' and to what card? would i be looking to switch to…
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Touch-and-pay cards get go ahead
http://news.bbc.co.uk/1/hi/business/6635427.stm don't know if this has been said, if so can someone please move it to the right place, what do you think of this, seem's to me that thing's are getting rather confusing, with all these card's, why do we need this one, and if it is going to be, then why, when we already have…
