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Credit Card or Loan?
Hi all, another newbie here I need your advice. I have approx £4500 over 2 credit cards, £1200 on interest charged card, £3300 no interest, but is due to start charging interest soon (Jan 08) Despite my plans to cut this amount, it's gradually getting bigger, but enough is enough and it's time to stop. What I want to know…
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Credit Cards Yearly Fees
You know what I don't get is why people pay these yearly fees. I mean if you look around there are other credit cards that don't charge these fees. Of course lately alot of the ones I have been seeing are all starting to charge the fee though. _________________ California School of Culinary Arts Institute of Culinary Arts…
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NatWest 0% Balance Transfers
Just got my latest NatWest credit card statement. Had the account open since August, and at the end of November I transferred £1800 from my Barclaycard to it, charged fee of 2%. Checked my account on-line today and I've been charged interest, only 6p, but interest none the less. Phoned them up, and the interest is charged…
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Stingy Limits.
Ive just been approved for a new Mint card i'd hoped to BT 3k from another card which runs out of its 0% in Feb 08 but they've only approved 1.3k provisionally (on-line application) Has anyone else done similar but got the limit increased when activating the card ? If not i might have to make another application for…
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Interest applied in the same month with cash withdrawal
I've got a M&S card and due to an emergency I had to withdraw cash from the ATM thinking that when the next statement arrives I'll pay it all back by the due date. I was aware of the cash advance fees but not of anything else. Checking my statement online today I see that I've been charged interest in the same month…
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Fraud?
I received an email this morning in my inbox, about a Walmart credit card application. From first glance, it just looked like a phishing email, and I was going to delete it. I then realised it had my real name on it (Although with my names the wrong way around). I checked the domain WHOIS and it belongs to GE Money. I…
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Tesco Credit Card - Statement Date
It has been mentioned in various places recently (financial press & possibly this forum) that RBS, Nat.West & Mint were all going to start issuing statements at a later date each month. The effect of this is to reduce the interest free period from 56 days to iirc 46 days. No mention was made about Tesco credit cards being…
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To BT or not?
Hello all I applied for the Barclaycard mentioned by Martin with the 14 month 0% offer. I have received card today but they have only given me an £800 limit. I have an excellent credit history/score (checked last month) and was a previous student Barclaycard customer with limit well over 4K, that account was never in…
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Abbey National 5% cashback until 31/01/08
I applied for this card and sent off the signed paperwork in mid November. I chased them up today and was merely advised that they had the necessary paperwork and the card would be issued within 30 days. At this rate by the time I receive the card the cashback offer will almost have expired. I'm almost tempted to cancel…
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Barclaycard Limit Reduction ??
I am a very new Barclaycard customer, 4 weeks to be exact. I was offered a credit limit of £2200. Nice I thought, so I went to book a well deserved holiday. After booking the holiday last week (Monday), I recieved a letter from Barclaycard (on Saturday) saying that they had reduced my credit limit to £1290. I have checked…
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capital one pestering letters
my g/f is getting pestering letters from Capital one for her ex who used to live with her over 6 months ago , she has constantly rang them with his new contact details but still gets letters and calls , today she got a letter saying they are going to send someone round which she dosent want as she will prob be at work and…
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Are Lloyds trying to catch me out?
I've got a Lloyds cc which had a limit of £5K on it and I used around £2.5K for a BT at 0% for 6mths, due to end March. Today I've received a letter from them telling my limit has been increased to £7.5K and inviting me to take further BT again at 0% for 6mths but this has to be done within next 2 mths, i.e. before the…
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want to apply for 0% virgin credit card...any tips...
if you are self employed but not earnt that much so far will that be an issue to get virgin's credit card. my situation should hopefully change next year so to give us a bit of a breather over the xmas period i thought it might be good to apply. What should i look out for . i have checked my record at experian and it looks…
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balance transfer
hi i have a virgin and a cap 1 credit cards . i wish to transfer my balance from my virgin card to my cap 1 . now the only balance transfer offer that cap 1 are offering is 29% for the lifetime of the balance ...the balance i wish to transfer is about £3500.which will bring my full balance with cap 1 to about £6000 the…
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Capital One Purchase Rate Credit Card Cheques
I've just had a letter from Capital One saying that from 20 Feb 08 they're going to start charging 3% plus 33.94% p.a. (!!!) on the lovely purchase rate credit card cheques which they've been sending me over the past few years and which I've been hoarding. For those not familiar with these cheques there were no charges…
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Being a Barclays
Hi I have got barclay card since june last year and my credit limit is £1000 and remaining balance is £900. I have never missed my payment but most of the time i am just doing minimum payment so my question is that they have never increased my limit and either i never asked it. So should i ask them to increase my limit or…
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Virgin C/Card ?
I have applied for and been successful in obtaining the above C/Card with 0% interest until May 09 with a £4,500 limit. However, when I applied I only requested transfer of the balance of one card, (due to possible low limit being given) with 0% which expires Jan 08 with £1,500 on it. Is It possible to transfer the balance…
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Default Issued By Hfc (marbles) Help!!
Earlier this year, I moved into a new property, on doing so I cleared the balances of a number of credit cards and closed the accounts. One of these credit cards was the Marbles Credit Card. I called Marbles Card Customer Services, and asked the representative to tell me the balance outstanding on the account. She…
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PINching & Cloning Continues.
Used your plastic at Hemsby Service Station, Great Yarmouth recently? Then check your statements. Story from the BBC Click here. Lots more on Card Cloning click here. Warning! Cash totalling £300 was withdrawn from her account at a bank in India on 5 December - seven days after she used her Switch card in Houghton. Despite…
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Tesco Credit Cards Charges
Hi I did a balance transfer to the tesco credit card on a 0% transfer for 12 months, which will end in September 2008. just downloaded the latest statement and it says if we only pay the minimum due this month they're going to charge us £32.91 interest next month. Tried ringing but the lines are just busy all morning, has…
