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Warning - Nationwide changed their extended warranty terms
Nationwide credit card holders get an extra year warranty on most electrical goods that you buy with the card. However, they have now changed the terms of this so you only get the extra year on top of 1 or 2 year warranties. So no longer any use on John Lewis TVs etc. Seems rather sneaky as I don't remember being notified…
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Vanquis Card
Hi there just applied for a Vanquis card got approved :j :j They want me to send in some id passport and bank statement but i have stupidly clicked past the screen without writing the address down. Does anyone have the address.? i think it started Vanquis visa new accounts:confused: Thanks Guys
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Have MINT stopped sending paper statements?
21 10 07 Hello Any other MINT customers who might know if they have stopped sending out paper statements? Got one in Sept but nothing so far this month. Significantly had an email from them, for first time ever, mentioning online statements and paying online and have received no replies to those, in 10 days, asking if they…
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Complete numpty needs help choosing best card
Hi I am a credit numpty as I never usually buy anything before I can pay in full. I have a credit card which was issued through my bank (Natwest) but only use it occasionally and always pay it off in full. Just recently I had laser eye surgery and was going to use their financing system to pay by direct debit, but the…
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Credit Card Fees
I need some advice regarding a credit card my mom and i had a joint account on. We took it up 5+ years ago with capital one - neither or us made much money but they still gave us cards with a £200 limit on it. I - stupidly - spent the £200 and every month we made the absolute minimum payment on the card but one month my…
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LloydsTSB & Virgin MBNA - lowered your interest as existing customer?
After being refused for a new low rate credit card (recently moved house etc), I read on the site that it can be an idea to bluff your existing lenders by calling up, telling them you have a new 0% card, or at least low rate of interest card, and would like to enquire about closing your account once you transfer the…
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Co-op phoned to do "account review"
Just took a call from someone on my mobile who said they were from cooperative bank saying they wanted to do an "account review". They've phoned a few times before since I had their numbers as missed calls. I said I was going out and asked what it was about. They wanted to check they had the correct details.... So i…
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Tricky Stuff
Does anyone know the legal position of my unmarried partner on outstanding debt to credit card firms on my death? I have terminal cancer. I am still married. Can such firms pursue my partner (as well as my wife) for debts after my death? If they can, on what legal basis? Really grateful for a reply on this. Email:…
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"Cashback Credit" - what is this?
Hi, I have a question on something on my statement, called "Cashback Credit". It appeared on my LTSB Classic Mastercard. I wasn't aware at all that the card gives me cashback? I have always paid by Direct Debit in full - surely it wasnt a discount that I received as a result of Direct Debit right? So what is it actually?…
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LTSB mischarged interest - Confirming if I've done the right thing
Hi, Recently I've applied to change my LTSB Classic Mastercard to their new Airmiles Duo card. Some background info. I have always paid my Classic MC in full each month by direct debit. My balance for this month was about £900, due date 15 Oct 07. I have paid a manual payment of £250 in early Oct, to allow me to continue…
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Prime card troubles
I have trouble getting credit cards because I am a carer. I am not employed even tho I work more hours than most people. I need to buy things on the net and purchased a prime card. I paid £13.00 for it and called to get it registered. I had £10 to spend on the card. The £3 was for the card. , I found most places were…
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How do you pay off credit cards?
This is probably going to sound dumb but I am young and never had a credit card before so please excuse me, but if I sign up for one, at the end of the month how do i pay it off? I take it they send some form of bill. Do you pay by cheque/cash/direct debit? Can you do it over the phone or is it a slip you take into…
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Balance tranfers
Does anybody know if I will get interest free balance tranfers if I withdraw cash on my current credit card, and transfer the balance to a new one, or is this only available for purchases
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Rejected for credit card
hi applied for a credit card from lloyds and got rejected. Have no debt and one credit card which i dont use.Have just moved to a flat, and got a new job and opened two savings accounts with lloyds aswell. Im assuming that they are not giving me one as i moved in the last 2 months and have only just opened acconts with…
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Declined for Capital One, but v.clean credit history
Just received a letter declining my application for the 4% Capital One card. Very confused because I've never had a problem with credit in the past whatsoever, so I've just taken advantage of the free trial on Experian to get my full credit report, which seems to be absolutely spot on. I have three current credit cards for…
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The Truth About Cashplus Pre-pay Cards
When holding up your local bank or post office, do you reload your gun in the bank or in the post office. I'm not sure what I should do.
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Credit Card - High Spender - Best Rewards ?
I am a very high spender on credit cards - mainly due to work purposes. I spend around £70,000 per year on a credit card. I presume that if I use a cashback card the cashback would be 'taxable', whereas if it was some sort of rewards card, it wouldn't ?? - eg, for free flights, etc ?? Can anyone recommend a credit card…
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Credit Refs agencies - Clarification sought on 6 year history rules
Hi A few years ago during a period of bad health I got in to some difficulties and had problems paying back my cards. One of which defaulted. The others show some late payments followed by a period of 0's on file prior to me paying them off and closing them. My health and finances (I learnt a few hard lessons) are now…
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Chasing debt in Spain
I have been reading another thread about someone going to Australia and leaving a debt behind. The replies seemed to be conflicting. I have a credit card debt in the UK which I have been paying off while living in Spain. I had agreed a repayment schedule of £78 a month in order that they would not charge any interest on…
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Son got a credit card
:mad: i have a 17 year old son who's usually very good, but I found out last night that he had a credit card, and I'm understandably furious with him. I didn't know about any of this until today - he had a mail shot addressed to him about 6 months ago from a company called "Vanquis", and as he needed money at the time, he…
