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Goldfish Credit card
Hi I have read many posts about the appalling way in which Morgan Stanley, now Goldfish, are treating their customers about the non-payment of the promised 3% cashback. I too have been repeatedly fobbed off with nobody seeming to know what is going on. I sent a letter to their Head Office which was ignored. Then I sent…
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Credit Limit question
Hi, On a number of occasions I have paid my minimum payment and soon after spent on my card(close to but never over the agreed limit)before the interest payments were taken by the CC company(HSBC)thereby taking the balance over my agreed limit. I have never been charged a penalty fee or anything and always pay off the…
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Refused things as i have no paper trail
i have been applying for a few things recently and get rejected for all. I have a friend who works in the underwriting dept for a CC company, and i asked him to do a bit of digging around for me.He says, i have no paper trail to my address. basically i have one loan, one CC, one current acnt and one saver and they are all…
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Luuurve virgin!!
Their credit card that is! It seems they have renewed a 0% interest free period, to run til August 08. I have a balance of £2952 on it, currently at 12.9%. The BT fee is going to be £88.56, if I pay this amount off with my savings, and transfer it back to make it 0%. I dont really know how the APR thing works, does anyone…
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Student card...I know not a credit card as such but a good read!
Now, Apologies, this thread is not about a credit card as such, but there is not really a good other topic area to put this! I got a student card last year. Now you can get these at ANY age. Just look at courses you would like to enrol in. The fees (if any) are very reasonable and you recieve a regognised qualification. I…
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National Identity Fraud Prevention Week
Cross Posted: This coming week is National Identity Fraud Prevention Week (8 to 16 October). This morning on BBC Radio 4's, Nigel Evans MP (Chair of the All Party Group looking into ID Fraud) and Sandra Quinn from APACs discussed the ID Theft Problem and The All Party Group's idea of an ID Fraud Tsar. Most of the Problems…
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Mastercard benefits for holiday balance?
Could anyone tell me what the benefits are exactly of paying with mastercard - apart from the 6 weeks or so credit? We have to pay the balance on a holiday and usually pay using our mastercard but this time the company are slapping a 2.5% surcharge on for paying this way. I am wondering if its worth the extra outlay.....…
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Amex credit card delivery
Hello all, I had a phone call from amex customer services on Thursday 27/Sep, informing me that my application for Platinum credit card has been successful. I received my PIN on Monday 01/October. I haven't received the card yet, I called amex customer services and they told me that their card will be delivered by royal…
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Asda c/c cashback?
It does say on their website that you earn cashback everytime you use the card and that it will be payed to you each year before xmas. Doesn't say how much the cashback is worth, it says in the t&c's that the cashback details will be sent with the card, tell me before I apply please! I wouldn't have one anyway as it is a…
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Credit cards, prestige and snobbery
I posted something similar about this time last year, so it would be interesting to get the view of new posters on the site. How many of you stick with a card that makes you feel it reflects how you would like others to see you - perhaps you feel it offers you a bit of status when you hand it over in a shop, or it might…
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Buying On Line
Please could you give me some advice, when buying on line i usually pay through paypal use my debit card , should i use my credit card or can you incurr booking fees etc thank you and is it more dangerous?
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credit cards for poor credit rating customers
i want a credit card for business expenses as i only have a solo card from hsbc. i know that my credit rating is poor as i have had mortgage arrears before, a ccj and been chased from debt agencies to pay off various bills. i have a loan with hsbc £3500 which i always pay on time but is at 13.9%!! (any advice on swapping…
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Postoffice Credit card ?
what credit ref agency does they use for credit check , could any one please send me link of all card issuer and what CRFs they use. Cheers
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Amazon..
Hello of course i have an amazon card which i earn points on when i make purchases which then add up to a reward for a £15 voucher on amazon. I then reached this goal and looked forward to receieving my amazon voucher but this was in august. Amazon say it takes around 2 weeks for the voucher to come through so i waited.…
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Top Shop & Dorothy Perkins Store cards aka GE Capital!!!
Hi folks, I had both a topshop store card (I held for about 8yrs!) And a Dorothy Perkins store card (whichI didn't hold for very long!) It's more my Topshop card, where I stupidly paid the minimum £10 monthly, which only about £4 went towards the balance, the rest was interest and PPI! Even though I closed both down in…
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Just cut up 2 cards now need to repay.
Hi Can someone please tell me how to aproach my credit card companies? I have 1 card with Capital One and another with Sky. They were on their limit and I have been repaying the minimum amount for the last 3 months at least (previously been repaying in full but it finaly caught up with me when my savings ran out!). I have…
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Refunds and cashback question
I paid for a car insurance policy on my cashback CC. I had to cancel it and have got a partial refund on the same CC account. At the time of the payment, the cashback was at the introductory rate of 4%. However, the introductory period has now finished and the rate is back down to 1%. So, will the cashback on the refund be…
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Virgin or Egg Money for stoozing
Hi all, Next week am about to apply for a new credit card. Have no CC debt and my finance is sound and well :D . Just looking for card which would lend me £5000+ cash into my bank account so I could stooze by putting it into my high interest paying savings account:cool:. Which card would you suggest please:rolleyes:. Sorry…
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credit rating help please
I am not sure if this is the best place to post my thread, but I need some advice regarding credit rating and how to improve it. This is actually for my partner who is living with me. She was recently rejected by 3 mobile for a contract phone due to failing their credit check. She was advised to check her credit report…
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check credit card extra cost
Thomas Cook today to pay balance on holiday was told a 2% charge. I asked what for and got vague woffle. I also noticed that the amount asked was not 2% but 3% "OOPS must be a fault on the computer" couldn't try another amount . Manager said that it should have been 2.5% but because of the machine problem she would accept…
