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Free transactions - Which Credit Card??
Looking for advice as a first time "poster"! I have been an Alliance & Leicester Credit Card user for years (convenience!) and have always paid off the balance in time to avoid any charges - I today recieved a letter from the good old A&L telling me that they now intend to charge me 1.4566% for each (non-cash) transaction…
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MBNA Dirty trick :(
Ive had my mbna card since around 2005, have never missed a payment, paid by direct debit the minimum monthly payment, this never really covered the interest so i usually added a further "top up payment" mid month, to compensate, on the 4th april, i saw my balance was £1710 with a limit of merely 1800 so i duly paid £1000…
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Which CRA's do credit cards comapnies use?
I've seen a sticky thread somewhere regarding this, with a table of which company uses which agency, but found it to be inaccurate. Two cards I have didn't tally with the given info at all! I ask because I had a credit card stolen a year ago. It had a zero balance, and was run up close to it's limit. The company have now…
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Creditcard not registered to my postcode
AArgh, yet again my Citicard credit card has been rejected during a telephone sales-purchase conversation because it was claimed "the card isn't registered to the postcode you gave us". Having lived in the same house for 24 years there shouldnt be problems like this. I know that a few years after we moved, the Post Office…
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WebFusion: Taking Payments without permission
Ok here's the situation in brief I had purchased a server online for a agreed amount per year. I had not paid the server payment in several months, and therefore they cancelled the service of another server being used. The account needed to be verified in order for me to get ANYWHERE with the customer services team,…
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Credit Card Debt Issue.
Right then, a bit of background: I got a MINT card a few years ago to cover some debts i had, and for one reason or another i missed payments. I then moved house and totally forgot about it (long story - i had a lot of debts). Now, 2 years on, i just got a call yesterday from a debt collection company out of the blue…
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if your partner has a CCJ should you add him as
additional card holder or will it affect your credit rating? thanks in advance.
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Visa Chargeback
In december 07 i bought a computer from ebay. When it arrived it was completely wrecked.I contacted the seller who was unwilling to repair or refund.He said that it was nothing to do with him and that it was "my problem" I paid almost £1500 for it. I contacted Paypal and after almost 7 weeks they refunded £150 which is far…
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MBNA PPI Claim
Hi all i am trying to reclaim PPI insurance on my MBNA credit card which I have had for 5 years. My argument is that I didn't realise I had it, that I didn't realise it was optional and that I already held a protection policy and therefore it wasn't needed. I have had a response from MBNA, in which they have included a…
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MBNA interest charge on free interest
On an MBNA card I got offered a 3 month 0% balance transfer with no fee. So took this up as a great snoozing opportunity. Met all the payments on time. Last statement came, stating if balance still outstanding, £191 interest would be applied. So paid the balance off in full, ensuring that it got there in plenty of time…
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Transferring between VISA and Mastercard
Dumb question #35,343 I always had in it my head that these were the two main card issuers and was clear that you cannot use 0% balance transfer offers to switch balances between cards of the same 'type' (ie MasterCard to MasterCard). What exactly is MBNA, and how does it fit into the equation? I'm looking for a card to…
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Virgin CC keep increasing my interest rate
Hi everyone I'm new to the forums so firstly let me say hello to you all. About 2 years ago I got a credit card with Virgin at a fantastic interest rate of only 10.9%. They have steadily kept on increasing my interest rate and I got a letter from them yesterday saying it is going up to 34.9% from May. It was bad enough…
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Virgin Credit card/Balance Transfers
Hi guys, This is probably a silly question, but here goes. Looking to transfer my balance of £1700 from my Halifax One card, and Virgin are offering 0% on balance transfers for 15 months, and 0% on purchases for 3 months. Now does a balance transfer mean i can transfer my £1700 over to it and i won't have to pay any…
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Credit Rating for new credit card
I'm wanting to transfer my two credit cards to a 0% interest card since I'm paying 34% on one of them! However I've been declined a few times in the past since my credit rating is so bad. I've checked on Experian and it is 818 and says that is better than 40% of people applying for credit. If I applied for a new card now…
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credit card charges money back
I don't hold bank cheques, is anothher payment option available to pay the charge fee of £10 required to access my credit card statments?
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Credit card fraud attempt
Several weeks ago I received a phone call from M&S about an application for a credit card, which was a surprise as I hadn't applied for one of their cards. This was passed on to their fraud department who gave me a few more details about the applicant. They had used my name and given my work phone number, but had listed…
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egg card direct debit?
hi for the 3 years that we have had an egg card we have never had a direct debit, we usually pay online using the one off payment method and transfer from our bank account, i have just noticed that they have set up a direct debit in my account and just wondered if they can do this without even asking\telling me, not…
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What's covered under ‘purchases’?
I’m completely new to all of this, so please bear with me! :o I’ve just received my very first credit card (Lloyds Tsb Advantage Card), which gives me 0% on purchases for six months. I assume this covers any goods bought in a store or online…but wondered if I will be charged interest immediately on the following: -if I set…
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Earnings or Income
Hi Have just applied for a creit limit increase with egg, they have asked for my gross annual income.So I wondered if "Income" can include my partners money too:rolleyes: Or am I just being silly. Any help please Ta.
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Old Credit Cards
I had an RBS credit card four years ago, got fed up with it and payed it off in full. Now (as part of a bitter divorce), I need to prove that it was me that actually paide the balance off in full. I cant remember exactly when I paid it but I now need to prove I did. I have rang the credit card services at the RBS credit…
