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Capital One & Vanquis: A Snapshot
Hi Everyone, I have been a lurker on these forums for a good year or so and partake in a few conversations, but nothing huge. Today, I make my own thread. I have been a customer of Capital One for 14 months, and Vanquis for 5 months. I have good relationships with both, and always clear my balance in full each month. I…
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Section 75 Query
Hi I was wondering if anyone had any experience in seeking redress from credit card co's via section 75 of the consumer credit act. I have recently bought some furniture, 2/3rds (approx £900 worth) of which was delivered in a very poor state of finish/repair. I did not personally take delivery and no invoice was left. The…
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mbna 0% to 34.9%
took out the mbna credit card with o% balance transfer deal, time was up earlier in the year and they put the apr up to 22%. just recieved a letter from them saying outting it up to 34.9% in new year. cant get a loan or cc transfer anywhere else, has anyone any ideas.
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Capital 1 Claim back
I've just started a claim to get back monies taken from my credit card account. Last year they decided to add PPI charges to my account without notifing me or asking me if I'd like PPI. As usual you look at your statement and not notice until one day the charge jumps off the page and you remember you ticked the box on the…
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Hurray for MSE!
Sorry to boast but this was a credit card tip from this site. So a big thank you from me! Thank you! I went to M&S for Christmas food this week, the store was not very busy and the shelves were full. All of the party food can be frozen (an improvement from last year) and most of the other fresh food can be frozen too. With…
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Prepaid cards
Hi, I am looking for a prepay debit/credit card to use for internet, holidays, etc, and was wondering if anyone had any insights. Has anybody got one already, and if so would you recommend it to others? Does anybody know of any that are available? I have been unable to find anything about them on the site. thanks, Mandoo.
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beware of the hidden charges !!!!!! - capital one
Hi Everyone, Merry X'mas. Just thought of sharing with you all my experience (so far) with Capital One Cashback credit card.... well, Capital One was suppose to give an attractive 4% cashback per pound spent, but in reality and potentially the company takes back 1.5% from their customers every month!!!!!! the story goes…
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Marbles changes to card agreement
I got a notice of variation from Marbles today. Balance Transfers interest 15.9% per annum. Cash advances interest 33.9% per annum I never use the two above, so I don't know if they have risen by much. Purchases interest 15.9% (used to be 12.9% in my case). As HSBC have sold off Marbles to Aviemore/Sav, and comparing my…
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Capital One card being declined?????
Today I tried to order something over the phone but my card was rejected. I have absolutely no idea why and so I tried to call them to ask, but got told that they were closed and to call back tomorrow. However, I put my details in online and a message came up saying that due to unusual activity my card has been rejected…
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Egg Money application rejected after "Quality Check"
I had an online application for an Egg Money card accepted, only to receive a terse letter several days later saying that after "random quality checking" they had reversed their decision. It seems to me from the wording that the implication of the letter is that they suspect there is something in my application that was…
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Visa won't work!
Hi, just tried to use my credit card online but it won't accept it for some reason.I tried at least five times, in the end i rang the shop up and asked them if they could try it but same happened again.I then rang up the card company and they said it was fine and all should work but it doesn't.Anyone got any ideas on what…
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Asda Credit Card shock
Slightly annoyed but thats life. Recently moved into a flat after a split with my GF and had to borrow on my CC for the deposit. With everything I ran up a bill of about £1300 which I was going to start paying off after xmas. My card has a £4k limit. Got a letter yesterday dated the 12th saying they were reviewing my…
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What' s going on ?
:mad: In the last few days 2 different companies have contacted me to say that my orders with them are ready for despatch. The only problem is I haven't ordered anything with them !! It would seem that my name and address (apart from the slightly different postcode) have been used as the invoice and delivery address and…
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advice please :)
Hello hello, Need some advice please! I recently applied for a credit card with goldfish and was declined !! not really sure why !! so I decided to make use of the free trials with experian and equifax to gain access to my credit file .. there doesn't appear to be anything bad on my record - so I paid for their credit…
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Vanquis card - hassling phone calls
Vanquis phoned a few times for my husband on Monday. He's working away from home this week, so I mentioned it when I spoke to him on Monday night and he realised he forgot to pay his credit card bill. This is the first time he has done this and it is a genuine mistake. He told me to pay them through our current account for…
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can you free credit report...have sorted experian
and now need to look into equifax but on the site it looks like it costs £11. from what i have read on moneysaving Virgin credit card use both experian and equifax. Also what are people's experiences of the limits they have been offering? we recently had some issues with Virgin on the broadband side which is still not…
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Capital One Cashback - Paid 17/12/
Hi Just a heads up to anyone else who has the 4% cashback card, as I haven't seen it mentioned yet. My cashback credited my account yesterday on 17th. I was under the impression it was due to credit at some point in January. :beer:
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Credit card newbie - advice needed please!
Hi, I'm looking for some advice as I have an overdraft that I want to put onto a credit card so that I can pay it off within a certain time limit - i cant seem to clear it when its in my bank account, and feel if I put it onto a separate card i can pay it off better that way. Can I do this? Is this classed as a balance…
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Egg card - over limit...
I totally forgot about my Egg card. I moved house and forgot to give them my new address, and i then stupidly forgot that the 0% time was up :eek: So...i went over my limit because of all the charges, and because they couldnt get hold of me, they have put a 'trace' on my credit history? Its all totally my fault, and i'm so…
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Experian Membership
I am paying experian £6.99 every month and taking their member ship time by time but do we have any other way to get it cheaper then this price. Thanks.
