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Alliance & Leicester Massive interest rate increase
Just had a letter from A&L today to tell me my card (run by MBNA) has had an interest rate increase to 2.5292% a month. By my calculations thats nearly 35% APR:eek: Tried phoning them today but they're computer system is down and not likely to be working before Monday. Worse still they're increasing the minimum payment…
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Skycard Fraud Dept
I have just got home to find a message on my answerphone saying its from Skycard Fraud Dept and can I call them back on 0800 0567391. I have just logged into my account and nothing appears to be wrong. Just wanted to check on here if its a scam before I call them back tomorrow :confused:
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CitiBank Credit Card Pitfall
I have followed much of the advice given here on this site and I must say I am grateful for it. But I have a credit card balance that I am tired of chasing the 0% on. So I took Martin's advice and I signed up to City Bank's 5.8% interest for the life of the balance (or so I thought). After entering my details I got to a…
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Credit Card Problem
I have a lloyds tsb card platinum with a debt of £7020 and limit of £7000. I originally got it for a balance transfer deal which ran out some time ago and now pay an high interest rate value per month. I have tried applying for new cards for a balance transfer but have failed. I have a good credit rating. i do have other…
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Credit Card Problem
I have a lloyds tsb platinum card and have balance of £7020, with a limit of £7000. I had a free transfer period which has now ended some time ago and have a stupid amount of interest applied each month. I have tried getting a new card for a balance transfer and even with a good credit rating have failed. I do have other…
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Advice on credit card outstanding balance
Hi Everyone, great site Would like a bit of advice basicly i've got £2000 outstanding on my halifax one credit card, i had 9 months interest free on purchases on the card but that came to an end in september 2007, however i'm being charged about £15-20 per month now and cannot afford to pay the full £2000 off in one go.…
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Caught out by nationwide CC!
Just got my latest Nationwide bill - which I pay off (Or I thought I did!) in full every month. Surprised to see a £3.00 interest charge on there so phoned up to query it. I pay my CC bill by online banking - last time I didn't have my bill to hand so entered the amount in a round number. I was 32p short and so Nationwide…
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Finally got my cheque from Tesco
To cut a long story short Every time i paid off the balance in my TPF Card, I had to set up a new direct debit as i was informed by someone there that once the balance is paid the DD is removed. I had been working away from home for a few months and when i got home they had charged me missed payment fees for not paying my…
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Capital One Application Taking Over 2 Weeks
How long should a web application take? It's been over two weeks from Capital One now and when I called, their automated response says don't bother asking about it unless it's been more than 3 weeks.
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Lowest monthly repayments - interest only credit card???
This is my first post so please forgive me if I do anything wrong. I need to borrow £7.5K for a period of 6-12months, after which I will be able to repay the amount in full. What I need is the lowest possible monthly payments on this. I have looked at temporarily adding it to my mortgage but this is not possible as it…
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Natwest Yourpoints - What are they worth?
Has anyone worked out what the value of Natwest Yourpoints are? So far I have been unable to decide whether they are worth collecting or not after my 4% cashback deal on Capitalone expires. I know that Martin had worked out the value of an Airmile to be 7.8p a while ago (see…
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Capital one card upgrade?
Next week im doing a BT of £600 from Capital one to the 0% offer on my Platinum Barclaycard... The Capital one card was a classic...then a while ago after i payed the ballance of they upgraded me to premier....... So when i do this BT next week which will clear the ballance of Capital one again might they upgrade me to…
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Debenhams Credit Card
If anyone has a Debenhams Credit Card they pay by DD then please check it has gone through on the correct date. Mine didn't, they even had the cheek to say that because the payment was late, there would be a late payment charge of £12. Not only did they not take the payment on time, they only took min payment which adds on…
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What should I do? Advice please!
Hi, I have a credit card with an outstanding balance of £6240, a limit of £8800 and an interest rate of 27.8% In a week or so I will be in a position to clear the balance. Once the balance is cleared which of these options would be best?: 1 Keep the card with the limit where it is and hope I'm disciplined enough to not use…
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Capital One abroad
Hi, Am I missing something in the following calculation? I usually use a Nationwide Cashback Credit Card for purchases made in Europe, for its 'no commission' benefits (although it's stopped paying cashback on foreign spending). Now I've applied for a Capital One card, with 4% cashback for 3 months. If I use it abroad in…
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Shell card - Citi Mastercard - not valid at shell petrol station
I have recently got the new shell card that pays a monthly rebate of 6% for shell purchases for first 6 months - then 3% thereafter. Bought my weekly petrol and tried to use the card and the girl told me they cannot take then as they will not work on their system. She tried and it said card not authorised. She said they…
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Credit Card Surcharge
Have recently noticed that more and more retailers/suppliers are adding a surcharge to the cost of the transaction if you pay by credit card. Is this legal? Can we refuse to pay it? Do we/should we complain to the credit card company? If you refuse to pay and then they refuse to sell you the item what do you do? (Provided…
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Capital One problem (maybe)?
My 25 September Cap1 statement totals £478.82. It was due to be paid in full by DD yesterday. However, the amount collected was only £338.40. The difference is £140.42, which is a refund on 10 October. It says about this scenario in the proverbial T&C's and on the printed statement itself. Fair enough, I suppose, even…
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Virgin Card - Missed Payment Advice
Hi, just wondering if anyone can give me any pointers on the following situation: I took out a virgin card in August to take advantage of the 0% 15 month balance transfer offer. However I recently logged into my online account and notice the 1st payment had failed and £12 had been charged. Now I was under the impression I…
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Credit Cards paid. What now!!?
Hi all I have just paid off all my cards (finally!!) and was about to cut them up (Egg, sainsburys, barclaycard and HSBC). They don't have any 0% but they do have over 20k of credit limit. The LAST thing i want to do is run them up again but is there any way i can utilise what i have? I am very confident i can manage them…
