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Using a credit card to pay for foreign currency
Unavoidably i have to pay for currency using a credit card... not ideal i know so any advice would be welcome. I aim to get about £200 worth of euros i have opened a new credit card to ensure that the only thing on the balance will be the foreign currency so i can pay it off within 2 weeks of drawing it (after i have been…
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Is abbey changing their CC or mistake with Debit card due?
I have just received a new Visa Credit Card, but my old one is expiring end february 2008. Thinking back, I got a reminder of the pin number for both my Visa CC and my mastercard a few weeks ago, without me asking to have them sent. As Abbey seems to be on a transfer and changes mood at the moment, are they changing all…
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Egg trick to borrow large sums - your advice
Hi everyone I am currently starting a business and need to borrow £15,000 over a short term of about six months (to pre-empt any posts that would question my certainty over this, paying the money back will not be a problem). Because I will be able to pay this money back shortly, I would rather not take out a business loan…
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Interest Charge on Egg CC
signed up for an Egg card a few months ago and it was interest free till august. I paid it off in full in July and now they have charged me interest. I am fuming. Does anyone know where I stand? I am also annoyed that I haven't received any of the 1% cash bach (or the money for signing up through Quidco)
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Capital One application- still waiting for decision.
Hello all, Applied for a Capital one platinum CC to enable me to do a balance transfer of £1000. This was mid-way through July & have not heard a thing from them yet about the decision...I applied on-line and it said it couldn't make an immediate decision but I would hear within a week. Anyhow, have called up & the message…
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Pre Authorization
Can anyone tell me how to stop Hotels pre authorising my card, then when I come to pay they take the money without using the pre authorised amount ! this appears to block my credit until the repayment date !
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Is this a crazy thing to do?
Hi Im a bit of a newbie to the world of finance (being 21) so sorry if this is a silly idea. The Plan I currently have an Amazon card which has just finished its 0% free offer, so i'm going to cancel it and swap to another card offering interest free (as soon as my next amazon voucher comes through, just need to spend a…
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Capital One Platinum Cashback card
Hi, I'm thinking of getting a Capital One Platinum Cashback card. Can I have your feedback/pros/cons on this card (compared to my standard Visa card). According to Martin this is the best cashback card at the moment. Are there better cards out there? Thanks. PS Could I put my direct debits on this card as I have done with…
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MBNA and the likes...
Hi there! Newbie here so please go easy :p . Anyway, I have been a customer with MBNA for about 10 years now and as I have 3 accounts (all of zero % ) as I'm trying to pay them off in vein, this morning they have sent me a letter. Dear Sir We have included a periodic review etc etc etc Bottom line, we have withdrawn your…
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0% - whats the catch?
Apologies if this is a rather basic question - I am relatively new to the world of 0% credit cards - my other card is with Vanquis who charge around 30% apr...ouch. Anyway I recently got a card with Natwest which had 3 month 0% for purchases and 12 months 0% for balance transfers. OK - so I want to buy something which is…
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help needed on high interest credit card!!
hello everyone, i am trying to rebuild my credit rating and have had my high interest capital one card for 6 months. the reason i have had to rebuild my credit rating was due to a credit card I had at university and defaulted on. My question is would it be possible to transfer the balance on to a 0% interest credit card by…
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0% purchase card to pay finance deal on a tv
Hi I am thinking of getting a LCD from a company that offers 0% finance for 12 month. My question is can i pay the finance company before the 12 month is up with a 0% on purchases credit card and not charged interest (by the credit card company) as long as i pay the minimum payment??? Is paying the finance company…
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Mortgage or Card?
Hi I have about £12k in credit card debts (2 cards - 1 @ 10k and 1 @ 2k) and the monthly repayments are crippling me. I am tempted to apply for the Citibank or M&S card so I can transfer the balance and pay it off gradually at a far better rate but I am worried that I won't be given a credit limit large enough to do this.…
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&more Online
Anyone having problems trying to access their M&S &MORE credit card account online? Thanks Tonome
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PrePaid Credit Cards - Canada??
I've been told a PrePaid Credit card is a safe way to spend money abroad, rather than risk your main card. With this card you can top-up when required with a min. amount. I've been to my bank and post office, but they don't do these cards for Canada, only Euro or US Dollars. Anyone know of a PrePaid Card that could be used…
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Cash advance fee through CDWow
I bought a couple of CD's last month from CDWOW and paid for them with my credit card. The secure payment system - paynova.com - processed the transaction and that was that. On getting my credit card bill through I noticed that I'd been charged a few pence interest and more was forecasted for the next month if I didn't…
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Super balance transfer - will this work?
In my quest to BT about £1k from my Virgin money card I applied for Tesco card. However Tesco asked for additional paperwork for proof of address and have now lost it :mad: (or not processed it yet, blah blah). Because that was taking so long I applied for an Alliance and Leicester card (approved) but in one great big…
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MBNA take money twice, then slap a fee on me
This is a good one. Will try to keep it short. Any comments welcome. I paid my full MBNA statement balance of £1,300+ by debit card on their website on 10th July. Normally pay full amount by direct debit every month; this tends to be taken on the 28th. Despite the credit showing on my account as per 10/7, MBNA requested…
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RBS Gold Cards
:money: Hi all, I hope you don't mind that my very first post is to ask a question! Anyway, I recently went to the bank (RBS) to try to organise my finances. At present, I have the following: - Graduate account (with £2,000 overdraft limit - never really been out of this!) - Graduate loan (of about £2,700, paid down to…
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CC Fraud - Refunded Twice!
Hi All, My CC was subjected to a fraudulent payment of over £2000 a few months ago. I rang up immediately and reported it and the full amount was refunded by the retailer. A few weeks later the paperwork arrived from the card issuer, and I filled in the details of the transaction and sent it back, presuming that this was…
