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Abbey's done it again grrrr
Hi folks Just received my cc statement from abbey, and the !!!!!!s are raising my interest rate to 19.9% APR (from 15.9)...... Anyone else got this? Wondered if they're doing a cahoot, seems strange the only 2 products I've ever had to raise the apr to 19.9 are this card and my cahoot flexi loan...:mad::mad:
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Band charges
I've got a quick question. I have received a letter this morning saying that Barclays has charged me £30 because I went £18 overdraft. Can they charge that much? Must say it’s a debit card and my account is divided into 2 subaccounts – one where I pay out from and where I only keep couple of hundreds and the other where I…
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Stop Payment Transaction?
I booked a motorhome online last week, then paid a deposit via credit card the following day by phone, when T&Cs arrived next day decided not to go ahead, emailed them cancelling. They want to charge me an administration fee as I accepted their T&Cs when booking online. :( I thought under the Distant Selling Regulations I…
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Savings Account + Credit Card
If you have a savings account with a company do your chances of getting a credit card off them also increase? Capital One offer an account with 6.05% interest rate (equivilant of an Icesave current account) although it pays a 0.8% bonus. But would it be worth opening if it boosts your chances of credit card acceptance?…
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Super Transfers
Yesterday I applied and was accepted for a Virgin credit card with the idea that I would use the cheques to do a super balance transfer. While filing in the application I ticked the box saying no to any balance transfers as I do not have any debts on the cards except for one that I used for stoozing earlier this year. As…
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Credit card default...will it work??
Dear all, I am currently going through the waiting game for a Mortgage decision from GE Money!! I currently have a default on my credit file from Capital One dated Nov 2006. The point is that I never actually recieved the default notice from them. I have paid off the debt as it was sold to a company called Lowell and is…
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Thomas Cook Cash Passport
Does anyone have experience of using the Thomas Cook Cash Passport abroad at ATMs for cash withdrawal? (released Nov 2007) Card issue is free 2% loading for GBP Cash machine fee per withdrawal: £1.50 It sounds good if you are withdrawing $US or Euros, however how does it compare for say long distance travelling in South…
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One-off Payment on a Debit Card Has Turned Into an Annual Debit Arrangement! How So?
Last year I paid my motorcycle insurance with my Lloyds TSB Visa Debit Card. I paid the premium in full, as a one-off payment. I've just received my renewal notice for this year and it reads :- "We will take payment on or around 30th April 2008 from: Card number ************ expires **/** Cardholder Mr **** ********* I did…
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Need new HOTEL Rewards card scheme now MBNA Holiday Inn Priority Points has ended
Hey Now that MBNA Priority Points (free nights in Holiday Inn Hotels) is coming to a close I need a new rewards scheme. I'd like one that gives free hotel nights as opposed to free flights, as flights are cheap enough as it is. Me and the missus spend about £1000 per month on credit cards (using them for expenses etc), and…
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MSN Money article - utter pants
Rarely do I read something so badly written that I feel the need to flame it, but here's one for you: http://money.uk.msn.com/guides/Credit-Reports/article.aspx?cp-documentid=7982901 Apart from the utterly useless vagueness and wishy washy witterings, it's not even accurate. For example, did you know that if you do a…
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cancelling a card by email
Does this provoke any response? M&S card in question. I emailed to close the account on friday 4/4/08 but have had no response yet. Does this get passed onto another customer ret department? Just that ive not had any corrospondance yet.
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What do I do with my old cards?
I just don't know what to do with credit cards that I don't use anymore. These are cards that I have used for the 0% offers and have paid off or transfered on. Will these cards have an effect on my credit rating? Do I ring up and cancel them ro keep them so my rating looks good? They are just sitting in my drawer doing…
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Claiming back deposit from sleep depot in administration
Hello, Today I received a letter to say Sleep Depot have gone in to administration (great!). Apparently I should be able to claim back my deposit by submitting a claim to the administrators or by getting it back from my credit card company. Can anyone advise which would be best? To add a bit of complication. We actually…
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Is 'new' First Direct 1st Account confusing?
Hello, I have been with FD for about 15 years now so am somewhat of an expert on their foibles. I have been extremely happy apart from a couple of recent events. The first was the sneaky £10 charge which they tried to foist on us if we did'nt put monthly sums as big a City bonuses in regularly. The latest is the removal of…
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Citi Cards taking two payments
Dear All, Some help needed here, I pay my citi card by phone normally, as I am in arrears they phone me and I pay £150 per month on by debit card. This month they have take two payments, on two different days. One is authorised, the other unauthorised as such, two days later. I did speak to them on this day, only to say…
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Capital 1
I find capital 1 is the best card in my wallet::T 1% cash back, text alerts to warn when I approach my credit limit and 7 days before payment is due so that I can check I have enough in my Current Account.
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Credit Card Application
Hi i am looking to apply for the Egg Money Card so that i can begin stoozing, but my question is, my partner and myself recently remortgaged, and not long before that i applied and gained the Capital One credit card for the purpose of cash back, is there any time limit that i should wait before applying for the egg card as…
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Card fraud - surely the police can do something?
I was the victim of card fraud on my debit card for the first time this evening. Someone used it to buy a bunch of games from Play.com, and I found out 10 minutes later when I received a confirmation email for the purchase (lucky I was online). I immediately cancelled my card and reported it to my bank, who have passed it…
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Overdrafts and Balance Transfers
I am considering transfering a credit card balance to the Barclay's card mentioned on the site: http://www.moneysavingexpert.com/cards/balance-transfer-credit-cards#cheapest I am new to this and want to know if it possible to transfer an overdraft balance to a credit card? Any help would be much appreciated. Thanks
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Best Cashback card for me?
I currently have a Barclay Card, which I use to buy everything really ... From Train tickets too My lunch! I find it Easier to pay it off all at the end of the month and it gives me a neat little list of everything I spend! Sometimes i wish it didn't :p Anyway, As i pay it off every month I don't pay intrest! ... I was…
