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Reclaiming creditcard charges
Can anyone tell me if I can start the process of reclaiming credit charges as I have an IVA and am not sure if this will prevent me from applying. I had a £20,000 debt and sought help from the Consumer Credit Counselling Service so am now repaying my debts to credit card companies through the CCCS. As you can imagine a lot…
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Positives from a Negative
My only CC is a Vanquis (£500limit), which I pay off in full each month. I paid it off last Saturday (£488) and haven't used it since. Then yesterday (Friday) I get a call at work from Vanquis, who were checking a transaction on my card. "Have you spent £40 with Vodafone this morning Sir" "No, I haven't used my card since…
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**BarclayCard Platinum warning**
If you're looking at the balance transfer to the BC Platinum, check the small print. The link from MSE still says the handling fee is 2.5%, but the small print says 2.9%. I rang to check, and was told it is actually 2.95%.
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what is deferred interest?
2 years ago we bought a sofa from Argos. By taking out their store card, we got 2 years interest free on the cost of the sofa (around £800). Today I received a letter from Argos along the lines of "we hope you enjoyed your interest free period" and "this period is now coming to a close" etc etc. We have around £350…
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Interesting response to request for more credit
Ok, I've had a Barclaycard for 8 months now, paid off the balance in full at the end of each and every month, have a pretty good credit record (made payments on multiple credit accounts for 3 years with no defaults at all.) Yet the card has a pitiful limit of £500, so recently I used their online service to request a limit…
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Red Alert - New Interest Rules Tesco Cc
Can they legally do this????? My new statement for my Tesco's mastercard has charged me interest even though the balance is always paid in full. On further investigation of the small print it appears that they will always charge you for the interest which would build on that statement and then refund it on the next…
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Egg Money Card - are there others??
I'm wondering if I can get a better deal than the 4% I get from having my egg money card in a + balance - are there others out there that offer the same thing, of being a debit card if in pos. balance and as a credit card when in a neg. balance??
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Pay of credit card and close or leave
Hi All I am in the process of getting a mortgage, not made any application yet. I have come into some money and want to pay of my debt first - I have 3 credit cards I want to pay off, should I then close these down? or keep them open but with a nil balance what looks better to the mortgage company? I did a credit check…
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Sainsbury's
Hi there, i am new to this forum, just thinking about getting one of the store cards, but dunno which one. Sainsbury's or Asda's M&S or any others, which do you think let's me get the best of the service and benefits. thanks
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Sainsbury's
Hi there, i am new to this forum, just thinking about getting one of the store cards, but dunno which one. Sainsbury's or Asda's M&S or any others, which do you think let's me get the best of the service and benefits. thanks
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American Expres Card - RED ? are you using them ?
Americal Expres Card RED (which gives 1% to Afrika). Are they any good ? Who is using them ? Some feedback from them who are using them.
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ASDA credit card
I've got ASDA credit card but its not in the Reward checker - wondering how much cashback it gives-i assume its average?Don't know whether to stick with MBNA or use ASDA
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First Direct Gold Card - Misleading Conditions
As consumers, what tools do we have to win back unjust charges brought about by misleading Credit Card conditions. Example, from the First Direct Gold Card web page.. "0% p.a. on purchases for 12 months and 4.9% on balance transfers (excluding HSBC, HFC and M&S Money) for 60 months providing minimum balance transfer of…
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Capital One?
Is Capital One linked to any other credit cards?
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Old Conran card... nice surprise from MBNA!
Hi I used to have a Conran CC. When they ditched the cashback and I was sent an MBNA replacement I just shoved it in the draw and never used it again and forgot about it. But... yesterday I got a letter saying my MBNA card is now 0% on purchase until August 2008! Yay, more stoozing money :D :T So if you had a Conran card…
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help needed with balnce transfer
i have £14400 debt on a credit card. which is the best way to reduce the interest? a 0% or low for the life of the debt. i have no idea which way to go with this.
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Building up your Credit Rating
How long does it take to improve your credit rating ?? why i,m asking is 3 and 1/2 years ago i got my 1st credit card from Cap 1 the interest was if i remember 19.9% and i didnt know anything about APR,s etc. my limit then was £500 and is now £2000.well ive done nothing wrong with my account ive paid on time /never over…
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Credit card seized because balance transferred
Taking advantage of an offer by Virgin of only a 0.5% charge for transferring an outstanding balance on Intelligence Finance card, my husband transferred the funds. Today he went to use his Intelligence Finance card and was told that a freeze had been put on the card and that the card had to be seized - as a serving police…
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Not returning to work after maternity leave
Afternoon ;) I need a little help on the above please. My reasons for this are that I have checked with the HMRC and they said because me and hubby earn too much we wouldn't be eligible for any help towards childcare even though someone he knows him and his wife earn about £10k more than we do and get over £100 in benefits…
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Credit Card Nightmare
Need some advice / help. I currently have nine credit cards with approx. £47K outstanding, and I am struggling to make the minimum payments. However, what really narks me is the interest rate on two of the cards: MBNA £3500 outstanding at 19.90% interest, and Egg £3800 outstanding at 16.90% interest. Even though I have…
