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How many days are there in a credit card interest month?
Hi, I'm sorry to post again but after spending the day talking to different credit card companies who don't seem to even understand my question I'm hoping someone can quickly clarify: Interest on Cash Balance: 2.075% (0.63) Interest on Standard Balance: 1.667% (6.13) Those interest rates are for a standard month. Since…
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Cash advance fee for buying foreign currency
I've just been charged a £15 'Cash advance fee' on my M&S credit card for purchasing foreign currency online through travelex. I'm pretty annoyed about this as I thought buying currency still counted as a 'purchase' and 'cash advance' was just taking money out of the atm on your credit card. They have also now charged me a…
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Highest credit limits
I have just applied for the following cards: Virgin (0% for 15 months) Halifax One I'd be interested to hear what credit limits people have achieved for these and indeed any other cards...I'm looking for high limits ie 5k upwards. Can anyone help?
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Need to borrow £3000 for as long as possible 0% hopefully
Hi Im currently looking for a credit card which I can borrow £3000 from and pay it back in roughly 6 months. What is my bets bet or best options in really desperate. Thanks so much ;)
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Why have a credit card..
Well I only have 2 cards, one is a store card I used once to get 10% of then never used again after paying it of in full.. And the other is with my bank and I only use it when I need to e.g. my account goes over drawn and I have no money left! Or if I want to keep purchases separate e.g. my holiday stuff was all on card…
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Never had a credit card, which one?
Hi, My sister has never had a credit card ( she's 39) and now wants one to use in emergancies ( as she has no savings). She's not sure about her credit rating, but she pays all her bills by DD. Although she is paying off debts for council tax arrears, gas & elex arrears. Can anyone suggest the best ones to go for that she…
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Any need for normal Egg card now that I have Egg Money?
Hi, I've always kept my Egg card even though I don't use it, as it used to be a useful one to have. However I've recently got an Egg Money card, and I think also that the usefulness of an Egg card is no longer what it used to be, since they have changed their Ts and Cs. I am wanting to cancel the normal Egg card and just…
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Ge Money Credit Card Duplicate Post
Mods Please Remove Duplicate Post as pointed out be a member already covered in http://forums.moneysavingexpert.com/showthread.html?t=527491
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HSBC - Changes to Credit Card Agreement
Afternoon all, This is my first post so please be gentle with me! i've just recieved a note in my HSBC credit card statement with a number of changes to their terms and conditions (16 pages!) Summary of changes I have noticed are as follows Most important changes (as far as I see them!) first 1) Application of payments -…
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Getting Credit cards for short term loan
I am taking delivery of a new car at the end of October and need to borrow about £10000 in the short term to pay for it. I have worked out that I can pay this off inside a year so am looking at using credit card deals as opposed to a loan. I am able to pay £3000 directly on to a credit card so was going to try and get a 0%…
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Switching Barclaycards
With the demise of the GE Money Everyday card I'm looking for a new cashback card. The Barclaycard offering looks pretty good, but is for new customers only - and unfortunately I've had a Barclaycard since 1978! (though only used about once a year these days). Has anybody ever had any success in persuading Barclaycard to…
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Credit Card Interest Help Please
Can a credit card company up your interest rates as they please?? If they can don't they need your permission first?? Matt
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Balance transfer fee treated as purchases
Hi guys, I've just received my RBS and Natwest 1st statements and noticed that the balance transfer fees were treated as purchases. It says that intro purchase rate expires in Oct. I've already set up a DD for a minimum payment each month. How can I avoid paying interest on purchases? Do I need to make an additional…
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Strange Emails
This thread isn't strickly based on credit cards but i wasn't quiet sure where to place it? Anyway, i'm on holidays at the moment abroad and i have been checking my emails remotely while i've been away. I have received two emails at work during this time from banks (that i don't bank with) that have had no title or body…
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Misleading "Best Balance Transfers Article"
As far as I understand it, the table posted in the article (see bottom of post) is inaccurate/misleading as it doesn't take into account the balance transfer fees (using the model, the card tart would have to transfer 3 times and at roughly 3% in transfer fees each time this would total £288 (now: £5000x3%=£150; 12ms…
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Calculating credit card interest
Hi, I'm having a bit of a problem calculating credit card interest rates from my statement and would appreciate if someone could quickly explain how I can work them out. I have tried using the calculator at whatsthecost.com but its still not clear (partially because I have a cash balance). I have two statements one from…
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OH needs a card for going abroad (and he's a student)
OH is a PhD student, he's off to a conference in Asia and needs a credit card as the last conference he went for he didn't have one and it got a bit complicated paying for things whilst he was there. He gets a grant but it technically isn't classed as a salary (although he 'earns' more than me!) It would literally be a…
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What rate does egg (visa) give you
I have an egg money card which is 7% debit, 4% in credit. Egg Visa for me is 17.9%!!! message from egg You've been given the rate of 17.9% on an individual basis. Your interest rate on the Egg Card reflects the relationship you have with Egg based on how you've maintained your account and our assessment of how you've…
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Paying off credit cards can deals be done
Can anyone help me I am trying to find out if I can do deals with the credit card campanys ( paying off less if I pay it off) I am at presant applying to remortgage to pay off as much of our debt as possible and if money comes in we would like to cut down the amount we have to pay back.Any help would be much appreciated.…
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Nationwide blocked my card - is this normal?
Hi, I'd like to know if this is normal. I've had a Nationwide Visa Classic Credit Card for just over a year and have always paid on time. However, this month I will be about a week late due to accidentally not clicking the second 'Confirm' button when sending a payment to the card from another online bank. Today I got a…
