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Credit card surcharges
Hi I wish to make a purchase from a retailer, its high value and as such I wish to use my credit card for the transaction. The retailer wants to charge me an additional 2.5% in 'surcharges' which in this case means I have to pay almost 50 quid for the pleasure of using my credit card Is this acceptable practise or should I…
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15 tear old credit card debt still refuses to go away
I posted a thread on here back in November 07, as a Debt Collection Co had bought an old debt from Barclaycard.A debt which I had been paying off with a payment book to Barclaycard and I was told by a member of Barclaycard staff that it would prob be written off as I was only paying £10 per month, and this all started back…
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Barclays having me on?
I went in to my local Barlcyas Branch on Monday asking what the criteria would be to have a credit card with them. I'm only 18 my contract at my weekend job expired about a month ago and haven't found anything since. I've banked around £5k with them (some of this from a job i had last year which over paid me) She asked to…
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Charged 'cash advance' for changing my pin? Lloyds Student Credit Card.
I was signed up for a student credit card, which comes with the Llloyds student account. I wasn't planning on using it at all, but was promised a money 'bonus' for signing up for it. When I received the card, it had a ridiculously simple pin number. I went to their branch to change the pin in one of their machines, I used…
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Maximum credit limits ?
Hi Have noticed on the Mint site they are saying there is a maximum of £7.500 available and on the Barclaycard site it is £5.000. Are they all doing this now?
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Charging your comapny
Hi Guys, Not sure if this is the right place, But I am trying to find out if we can leaggaly charge our companys for the use of using our own credit cards or is it another tax that we will be charged for. This is becoming a bigger problem for a lot of people..and I personly have to wait 60days before being payed back for…
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Credit card in credit ?
Can i overpay my credit card a large amount to put me in credit ? The reason i ask is for example if i want to pay something that is £3k and my cards limit is only £2k could i make a payment of £1k on the card putting me into credit so i can spend £3k on it, so i can buy something online and get the credit card protection…
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interest question
On most cards is the interest at the end of the month calculated at a set time of the month or for the overall month ie daily for the balance ..... i just wondered if i benefit from paying off earlier than the payment date to reduce interest Also im banging as much cash on cards as possible so they will all be clear before…
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Credit Card closed due to default?
Hi all, Had a credit card for many years and missed a whole 10 pound payment last year. Defaulted due to having problems contacting the bank (HSBC) to get the international codes required to transfer money whilst living in Australia. Sent a letter of complaint and received an apology and a goodwill payment. Account is in…
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can any1 help me
hi there ive paid for a service in newzealand but have had to cancel i have requested a refund and they said they will refund me half which is £250 they said they can either send me a money transfer to my uk bank account or they will post an international bank draft which will cost. My only question is they have asked me…
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Help with my credit report - Experian
I really need some help here and would appreciate any comments or advice. I want to move my £2,700 credit debt from my Egg credit card to an interest free offer card. However l recently got refused for a credit card ! I believe l have an excellent credit rating. Therefore l recently registered for a credit report, via…
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Immeadiate Paying of Credit Card Balance
If I get a new credit card, say the Capital One card at something like 34% apr and use it solely for something like doing my weekly grocery shopping and when I get in paying it straight back off from my current account, will this instant paying back of the balance still be helpful for my credit? I'm not even bothered about…
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Help! Can you refuse to pay CC charges in the first place?
I moved houses 2 years ago, and thought i had updated my details with the credit card company. However, when i didnt receive any further bills I wasnt that bothered as I had paid the card off and stopped using it, so thought no bills was because nothing was on the card. Anyway, I recently went back to the flat, and the…
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credit card limit
can credit card company's increase my limit, when I have not even ask them to? I just got my credit card statement amd my limit has up increase by £300.Since i have been with my credit card company i have alway paid the full balance. in fact i always pay about £5 -£10 more on my balance. So in fact i am in credit on my…
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nectar credit card
I got my Nectar credit card in 2005 excellent service to start off with they gave me a £4800 limit and accepted a BT from Barclaycard no problem but then about 6 months after getting the card they reduced my limit to £2100 to which I contacted them to find out why and their reply was because I didn't use the card much.…
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Good card for young student
Hi everyone, i'm looking for a credit card for one reason really, i shop quite a bit on ebay and with a debit card the only payment available on paypal is an e-cheque which takes about 3-4 days to clear. With a credit card the payment clears instantly which means i get my eagerly awaited purchase a few days earlier. I…
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Overpayment on Marks & Spencer Credit Card - how?
Hi guys, My M&S card has an automatic DD for the minimum payment each month. The minimum payment has been going down about £5 a month but the interest only a couple of pence. Thus I am increasingly taking longer to clear the balance. I signed up for the Your M&S online account management and paid off £30 hoping this would…
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Credit card Help
I need a Credit card that gives cash back or Airmiles for gmabling can anyone help?
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Do late payments on Council tax and Electricity effect credit rating/score??
Sorry if this is the wrong thread, wasn't sure where best to discuss credit ratings etc! Do the red letters from gas/elec mean anything? Will it count as a default payment or similar? Same for Council tax, I have lost the right to pay by installments, therefore have to pay the whole year in advance (Oooh til April!) The…
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Credit Card and Pin stolen...
this is a bit of advice for people (not that you all need it) from a foolish person...also a querey to anyone in the know.. had my wallet and phone stolen from my place of work..(school) my pins in my mobile...(bad memory!)...crooks found them!! so in the hour they had my cards they managed to get £500 from both Halifax…
