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Topman card - what have I signed up for?
I was in Topman today and when I went to pay I was offered 10% off if I sign up for their card. At first I thought it was just a discount card, but when they started asking me for bank card details etc. I realised it must be a store credit card. I've never had a store credit card before so I could do with an explanation on…
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Mastercard / Visa - what's the difference??
OK probably a stupid question but I've never understood the difference. Are they just different resources of credit? Is one better than the other - more widely accepted??? (I have a CO World Mastercard now and have been looking at all the ways of maximising cashback with the initial 4% and of course cashback websites)…
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Lloyds Tsb
I have a Lloyds credit card, I have had it forever.(or just seems that way). I have just found out that they have put my interest rate up to 26.5 because I paid late 4 times last year (late not missed, and only by days). Im sure this is going to effect my credit rating , so how do I get out of this catch 22??? Im sure it…
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Visa or Mastercard?
I am about to apply for a zero % card for use abroad - I have a choice between cards (both offering nil charges on money abroad, etc.) one of which is the Post Office (Mastercard) the other, Nationwide, is Visa. Question is - who would give me the best foreign exchange rates, Mastercard or Visa? I can find visa calculater…
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Credit card for overdraft balance
Hi Would anybody know if there is a good card out there to transfer an overdraft onto, I know this isn't the best way to do things but need to pay an overdraft off for a previous bank and need to do it this way. Thanks
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New to this debt-busting stuff
Hi I'm also having trouble with transfer. I owe about 9,500 on an HSBC card, which I think I'll be able to pay off in about 30 months. Following the tips on this excellent website, last week I applied to Goldfish for a 36 month balance transfer deal card. I have today received a letter stating:…
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Balance Transfer question
Hiya I've got a Sainsburys card with 0% on purchases for a while longer. It's in my mum's name, however I'm additional cardholder. My mum wants to transfer money from other, higher interest credit cards, onto this 0% card. However if you 'balance transfer' on it the interest is no longer 0%. So here's my theory--I have…
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Is this the best solution for me?
Hi. I'm wondering if anyone could offer me any advice. I've just been accepted for a barclaycard (I only applied because I don't want to be paying money on my existing card). Looking at the paperwork that came with it there is 0% interest on balance transfers for 12 months and 0% on purchases for 3 months. However, the…
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Should Marbles be doing more for me?
I bought some furniture on credit and paid a deposit on my CC. The deposit was £278 The furniture was damaged when arrived so I refused and asked for a refund. The company said no so I approached Marbles, asking them to get my deposit back. They have wrote to me advising that they can only refund my money once there has…
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Interest Charged On Zero Balance
I Paid Off My Mint Credit Card In Full Last Month, Yet In This Month's Statement They Reckon I Owe Them £101 In Interest And An Overlimit Fee. I Know They Got My Payment In Time Last Month. They Say It's Because I Was Overlimit Last Month, But How Can I Owe Interest When My Balance Is Zero.
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Warning! Don't close American Express card!
Just a warning - probably everyone knew this but me. Don't close your American Express platinum card account after the first three months (when you stop getting 5% cashback). If you cancel before the first anniversary, you LOSE YOUR CASHBACK! Fortunately I just noticed this in the small print in time to avoid doing exactly…
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Mint card - how long before I'm considered a new customer again?
Hi all, I closed my MINT card about 6 months ago and now need a new 0% deal. If I applied for the MINT card would I be considered a new customer and therefore get a new customer deal or would I have to wait a year or something? Many thanks.
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Credit Card Transaction fees
I am not sure this is credit card/bank or a retailer issue but I'll start here. Increasingly I see retailers charging separately for the use of VISA/MasterCard credit cards that seem excessive and not linked to the cost of the transaction but to the value of goods or services being bought! I would imagine that the…
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Cheapest way to borrow on Credit card?
I need to borrow about £5000. I know I'll have trouble finding a loan with a good rate as I think I'm maxed out. Also, I can't afford to make any repayments at the moment anyway. I will have some money coming to me soon so should be able to pay off the loan then. I have a £10,000 limit on my credit card so I was wondering…
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Thank you - EGG
Not used my Egg card for a couple of years, got letter today asking me to 'Start Again from ZERO'. 0% on BT till Feb 2009. I can only transfer 95% of limit so I will transfer £14,250 into my current account tomorrow. Unless anyone can give me a reason why I shouldn't? Since I have not used Egg for a couple of years are…
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Banks Mistake - Now my problem - where do I stand???
Got a real problem with my credit card which I will outline below. I keep getting passed from department to department and always end up in India explaining the situation to someone who clearly doesn't understand! Can anyone here help me on this one.... A family member said they were going to pay some money into my credit…
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egg credit card behind on payments and they have got really nasty
Hi we are in abit of a mess financially posted everything of dfw but need a quick bit of advice on this problem. we have an egg card that we have been struggling to pay for a little while but even if its late have managed to pay minimum amount each month except last month. My husband called to try and sort something out…
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Credit limit reduced or card closed??? This is why (maybe)
People state that even with a good credit record and always paying on time their cards got closed or their credit limit reduced. The banks talk about risky customers. My thoughts on this is....... Due to many people having a number of credit cards which they could in effect max out, they are a risk to the banks and also to…
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Credit Profile
I may have inadvertently smeared my credit profile with a HSBC student account. I went into the approved overdraft several times, and it seems after checking my credit report recently that they have issued these numbers on my file for every month that I did not return the account to credit. There was a 5 month period…
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Liabily of Debt
I have a friend who finds himself in the following situation. He is married and has left his wife. Works and has always worked. Earns slightly above average salary (UK). His wife does not work and is on incapacity benefit. She has never worked during the 6 years they have been married. He has recently split up with her…
