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Changing to the minimum payment on CC
I'm considering changing from my fixed payment each month on my CC to the option of just paying the minimum each month for the next 3 months to help with the Festive period.I've always paid over the minimum amount to keep the balance reasonable. Firstly,by doing this am I actually paying off any of the interest and 2, will…
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HSBC Credit Cards
I've just tried to pay my HSBC credit card (obtained earlier in the year because of its 0% interest - which has been extended by another 6 months) by using my own bank's debit card. HSBC told me that it doesn't have the facility to accept payments via internet banking or telephone from customers who do not have an HSBC…
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Help me with my maths ! Bal Xfer worth it ?
Hi, After being told by Lloyds (my own bank !) that they *could* not lower the interest rate of 2.210% per month on my Lloyds Advance card, I decided to balance transfer the lot onto my Egg card and close the account. However, when I rang them to close the account after clearing the balance, they suddenly wanted to keep my…
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Credit report puzzler
I've just been looking at my £2 credit report, and spotted something odd: I'm guessing the word chopped off the end is 'England'. In which case, why does the Old Lady of Threadneedle Street want to verify my identity? Has anyone had anything like this before? The date doesn't ring any bells. Perhaps I can persuade them to…
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Credit Card Interest - Why do they STILL put it ON!!! AAAHHH
Hello, I am on a debt management plan with the CCCS and i have a large amount that i am trying to pay off each month on my credit card. Ok so i am paying around £300 pounds a month, trying my best to pay the amount off as quick as possible, but even though i pay this amount each month the credit card company still put £200…
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Recent £50 High Street voucher incentive on Barclaycard Platinum
I made my first purchases on my Barclaycard Platinum card today and I was wondering if anyone who applied for the card under the £50 incentive scheme has actually received their high street voucher yet.
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Can you pay a loan off with a credit card?
Is it possible to transfer the remaining balance of a loan onto a credit card and take advantage of the 0% credit card balance transfer?
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Clear credit cards for free????
Hi, this is my first thread. I am using a company to get my bank charges back. Iknow i should do it but I can't be bothered doing the forms. They are telling me of a scheme due to legal loopholes that will allow them to put into dispute my credit cards and get the balances wiped out. They are also claiming this can be done…
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Old credit cards and ppi
Right with all this ppi reclaim going on can i clame the ppi payed back on old cards i no longer have ?!:confused:
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Virgin cc Unposted Transactions
Hello, I hope someone can share some light into this. I have been charged 1£ for an unposted transaction. When clicking on the info-button, this information showed up: Current Unposted TransactionsTransactions that have been approved, for which funds have been set aside. Once a transaction is transmitted through the credit…
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Misleading Offer by MBNA
Last week I got an email from MBNA offering me a fee free balance transfer for that day only, offer expired at midnight. I had been considering a transfer to one of my MBNA cards which has currently got 0% interest until July. So I leapt at this chance. (name and number changed in this copy below) Dear MRS X There's never…
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MBNA 6 months intrest free rip off
I transferred £1000 pounds to my MBNA Master Card from a previous credit card paying £30 for a six months interest free deal. When my first bill arrived I paid for all my monthly transactions (including the £30 balance transfer fee) plus an extra £20 which should of reduce my interest free balance to £800. This month I was…
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paying 34.9% apr on MBNA!!!
Hi folks Unfortunately as happens with many others i've gotten myself into trouble before realising it was too late! Currently i have a barclaycard with a £3500 balance. This was at 24.9% apr but got this reduced to 6.9% on the credit balance for the life of the card. I hope to change this to a better balance transfer at a…
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credit card advice thailand
l am retired and living in thailand i have been paying my credit card from my english bank account i left over a year ago and still owe £12000 but i have now ran out of money i have a home in thailand can the cedit card company take me to court in thailand i have a company in thailand which is my home as english people…
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Credit Card Advice Thailand
l am retired and living in thailand i have been paying my credit card from my english bank account i left over a year ago and still owe £12000 but i have now ran out of money i have a home in thailand can the cedit card company take me to court in thailand i have a company in thailand which is my home as english people…
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Aqua card stress!
Hi, I'm wondering if anybody can help me. I recently applied for an aqua card (22/10/07) the credit check was done straight away, then two days later I received a letter asking for two forms of identification. I sent them off, anyway i was just wondering is this usual for a cc company to do nowadays? has anybody else had…
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Overseas Credit Card Purchases covered by Consumer Credit Act
The House of Lords ruled on 31st October that UK credit card companies are jointly liable with suppliers under s 75 (1) of the Consumer Credit Act 1974 (Office of Fair Trading v Lloyds TSB Bank plc and Ors [2007] UKHL 48). This means that card holders will be able to claim against the card company if the goods purchased on…
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Fraud Gangs Put Spy Cameras In Shops
Gangs have now moved into installing tiny cameras in the ceilings of shops, according to APACS, the UK trade association for payments. Story click here. Petrol Stations (fight back): A nationwide campaign being launched by the UK Petroleum Industry Association and payments association APacs. Fraudsters have targeted petrol…
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I'm wanting to go into snmall retail - tips welcome
I'm planning on leaving my career after 25 years and rentinga shop to sell/hire prom gowns evening wear - advice comments welcome:beer:
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Capital One - Online Banking / Charge Problems - Please read, your feedback is needed
My partner has a Capital One card and has recently been charged for going over his limit. I will go into more detail in another post. Basically he has been charged for going over by £2 (which they allowed), as his online banking reported the incorrect available balance. Has anyone else had this problem? Your feedback is…
