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Minimum monthly DD payment not covering interst charges
I have an A&L CC and I pay a minimum DD payment each month which is automatically calculated by A&L and taken from my current account. I used the card in April which took it to about £30 off the limit. Now I hardly ever open my statements as its too depressing as I only pay the minimum payment (which is all I can afford)…
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capital 1 cashback WARNING! dont tart it
I took out the cashback card in july and my 3 months at 4% is now up having earned a whopping £610!! cashback .i would love to have had that paid before xmas so made a cheeky call to enquire if they would? january seems to be the payment date , so i thought ,what if i cancel the card ? wouldnt they have to send me a rebate…
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Interest rate
Hi all I got a Nectar American Express card purely to transfer my balance on their low rate for the life of the debt. After a mix up with my interest rate i recently received a letter telling me my standard monthly balance transfer rate will be 1.09% (13.9% p.a.). I'm a bit confused, don't really understand is this still a…
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Where Does My Go?
Can anyone please help me. I want to know where my money goes. I pay my credit card off on Day 1 The Money is removed from my account on Day1 The Same Money does not then reappear until Day 4 Please remember that this money is transferred electronically. It does not leave the bank in question (Nat West). I have spoken to…
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Transferring more money to a low rate card
Hi, I know that I SHOULD NEVER SPEND on my low rate transfer card, but what if I want to transfer more money on to it?:eek: Thanks LL
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Credit card and loan advice please
Hi, I have 2 credit cards at the moment, one is with Capital One and the balance is just over £5k, I've had it for a few years now. I tried to transfer the amount to another credit card offering 0% but they would only take £2k (at the time I had £7k on capital one. The second credit card is with HSBC and is 0% until April…
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Do Capital One still ask for deposit?
I applied for a capital one classic visa card today and was delighted when they accepted me. I am just looking to rebuild my credit history. I have since read on the net about a 200 pound deposit that they ask for. Is this still in operation? There was no mention of it on the website and if its true then I definitely dont…
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Using Amex vs Mastercard for foreign transactions (Non-USD)
Hi, Just want to confirm here, is it right to assume that it is always better to perform foreign transactions using Mastercard as compared to Amex? My reasoning is that for Mastercard, any foreign transactions will be converted straight to GBP, while for Amex, it will go through USD first, then from USD back to GBP? Any…
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does anyone know
:confused: is it possible to claim back credit card charges if my credit card balances have been transfered to debt management company via me doing so. anyone please, thankyou
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Lloyds TSB platinum: Anyone had any good offers to stay with them?
Hi all - first new thread post (fingers crossed) My 0% offer is about to end on my Lloyds TSB Platinum Mastercard, and I don't want to continue tarting, as I have had a lot of cards and searches over the last few years. I plan to pick a lifetime of the balance card next as my final 'tart'. Before I do though, I wanted to…
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MBNA Have Doubled My APR!!
Just recieved a letter from mbna saying that my interest is going from 6.9 to 12.9apr. The standard rate when i took out the card was 6.9apr Not an Opening offer. I telephoned mbna and they told me that the rate was variable and that basically they can change it to what they want and there is nothing that i can do. Is this…
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GE Money direct debit not taken
I'm not sure if it's just me, but has anyone else with a GE Money card not had their direct debit taken this month? They're normally quite keen to get their money, so seems a bit odd.
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Bad Credit Rating Impliatons: Additional Card Holder For Mother?
I have a bad credit rating. My mother doesn't. My Mother wants to put my name on her credit card. I don't want her to discover I have bad credit. But, I am going to the USA for weeks for an internship and a credit card would be useful for emergencies ... Will the credit card company disallow her from putting me on her card…
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Virgin CC - are upping my interest rate by 15%!
Just got in to find a letter from Virgin money saying that they are upping the apr on my credit card from November from 14.9% to 29.9% apr..... :mad: I am fuming... I have never missed a payment and have a balance of about £900 on a card with a £1,000 limit. I am unlikely to get another credit card so what can I do? Has…
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LTSB Classic MC transferred to Airmiles Duo - Questions
Hi, I just checked my online banking - my application for LTSB Airmiles Duo has been accepted. I clicked on the statement, and what I see is that there is a Balance Transfer of my last month's balance (from the Classic), and some purchases that I have made in the past month. Incidentally on Monday (yesterday), my direct…
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Need URGENT Advice : Stolen Debit Card
:confused: Hi Guys, I need some advice and assistance frm this site. I hope few of you can assist me wat to do. Infact the advice is needed for my 'father-in-law', who is pretty old. On Oct 5th, my father-in-law (78yrs old) went for his usual walk to the shopping centre at 11 am. However, he lost his wallet (he believes…
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No Balance Transfer Fee
MBNA have a banner on their homepage www.mbna.co.uk advertising a "no fee balance transfer offer". This appears to relate to existing customers only (not new applications) and is for TODAY ONLY - it applies at the promotional rate if you have one, otherwise at the standard variable rate.
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Is it a good idea?
Just some advice really, as Christmas approaches and I find myself wondering how on earth I'm going to afford to buy anyone anything I came up with an idea and wondered if anyone has done it, or if anyone thinks it is a good idea. I've seen ads for cards with 0% interest for a certain period and thought about getting one…
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Direct debits FROM a credit card?
I have a SkyCard, which I pay off in full each month. As a bonus, I get SkyPoints which I can use against my Sky bill. At the moment, I spend about £500 per month on it, just from shopping, petrol and odds and ends, paying it off in full. What I would like to do is to pay my household bills through it as well, e.g. Water,…
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Halifax have taken money out of a closed account
Hi all, I wonder if anyone else has had a similar problem to me and can offer any advice... I received a statement yesterday on a Halifax One card that I closed in March. £29 has been debited from this card for a card protection scheme (one of those yearly subscription ones). When I called Halifax to ask how on earth they…
