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Ulster Visa Credit Card
Hello, has anybody out there applied for an Ulster Visa Card, the reason I ask is when I went on and applied for the card I went on to submit the application and a few seconds later they said they have approved me for a £500 Visa Credit card, then went on to the next page and they said they will be in touch within 10 days…
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credit card with low credit limit for online spending
I've had to cancel my cards twice in a year. I am extremely careful online but someone has got access to my details. Given that we have to buy online (incl from small retailers who apparently present the greatest risk) it's been suggested that I get a credit card with a low credit limit (eg £500) just for online purchases.…
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Barclaycard fees for payment in Euros?
Hi. I want to purchase something from the Netherlands costing 1185 Euros over the internet this weekend. The website says I have to use PayPal. When I checkout via PayPal's website it gives me the option to use PayPal's conversion rate (1 British Pound = 1.23825 Euros) or use my VISA card's fees (but it doesn't say what…
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BT advice please
Hi, I'm am at a loss as to what to do. I have a Cap1 credit card with a £1300.00 balance and the purchase interest is killing me. This months it was £25+ and to make matters worse, I forgot to pay my April payment due to a family bereavement and incurred a further £12.00 charge. I'd love to transfer my balance to a 0%…
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Do PayPal payments earn Amex cashback?
Hi all! I'm hoping to make an expensive and sparkly purchase to an American company. They only take bank wire transfer or PayPal. I've just got the Amex card paying 5% cashback at this point. Can I use the card to make the PayPal payment and if so do I get the 5% back? Many thanks for any advice.
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Letter needed for credit card comp
Hi y'all, you were good enough to help me last time I had bother with this lot - the Clydesdale Master Card! In the end Debt Managers arrested my account and took all my money and savings, but I'm still paying the balance. That was last autumn. Today I get a letter from Rockwell Collection Agency on behalf of Phoenix…
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Beneficial Card
i have just recieved my statement for my cc from beneficial last months minimum payment was £277 and i sent them £300 not much over the requested figure but every little helps I have actually cut this card up and havnt used it for 6 months anyways i have been charged £298.38 interest and therefore only payed off £1.62 out…
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what happens to chargeback goods
Hi I bought a computer base off a company. It arrived and didnt work. On contacting the company I was told I had to deal with support @ 75p a minute. They werent interested and after loads of emails, calls, and speaking to their md I got nowhere. Visa sent me a complaint form as I rejected the goods. I also sent them a…
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Why was I turned down?
Card company replies with "we cannot tell you" However when I was listening to Moneybox podcast, Lewis did mention the following LEWIS: We’ve also had a number of emails from people saying they have asked for an explanation of why credit was turned down and the answers are all very vague like, “Well maybe your income’s…
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Egg Charging Interest After Balance Cleared
I transferred my Egg balance to my new Virgin CC last week, and I've just looked at my Egg statement online to find that the day AFTER the balance was cleared, they've whacked me with an interest charge. Before I start sending them stroppy e-mails, can someone tell me if this is to be expected/right or should I be…
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HSBC Credit Card Deal
Hi, (Thanks for a great resource, Martin.) I'm new to money-saving and I need some advice. (I want to do a little bit of card-tarting.) This came through my letter box: BT are offering (seem to be offering) a credit card with with 0% on balance transfers for 12 months. (3% handling charge.) I intend to transfer just over…
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clearing CC Bal monthly by Direct Debit
I have just found another way Natwest pay for the champers at the shareholders meeting. if you clear your balance each month by direct debit, the funds are taken 10 yes TEN days before due date. AS I have an offset Mortgage and pay my Company expenses through my credit card, this has a considerable affect on my average…
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online credit card application intercepted?
I applied for a barclaycard online two weeks ago and got a message as I sent the application along the lines of: the recipient address is different, it's possible though unlikely that your mail may be intercpted do you still want to send. Stupidly, with hindsight I sent the application. I have heard nothing from…
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New card - Abbey Zero
New card being launched by Abbey from Monday, Abbey Zero. Benefits are: 0% balance transfer and purchases for 6 months, no BT fee 0% foreign transaction fee 0% cash withdrawal fee Not great for the stoozers, but potentially a competitor for Nationwide with the 0% foreign fee. As I've said on here before, if you want a…
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Requesting statements
Can you request statements for a closed credit card ? I need to get old statements from a credit card to check through and highlight some payments made on it. I read on one of the bank charges threads (although this is nothing to do with claiming charges so just a list of charges is no good to me) that statements do not…
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Victim of card-not-present fraud online
I discovered today that I have been a victim of internet fraud when I tried to place an online order for a local delivery with my butcher only to discover that my SecureCode password was not working on my NatWest Debit card. I tried it three times until it locked the card. I immediately called NatWest to report the problem…
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Help Please with High APR
Hi, I've been a bit silly with my spending and used my credit card for cash withdrawals. Halifax have said that they will not reduce the APR of 20 odd percent. Shall I continue to ask them to reduce it? Transferring to a 0% card is not an option due to bad credit. At this rate the interest is bigger than what I can pay…
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Capital One CC - Please Rate
My partner is looking to transfer her balance to a Capital One card which is advertsing a rate of 12.9%APR and 0% on balance transfers and purchases till May 2009. Seems very good deal, but I have a feeling there are some catches. Would be good to get some peoples views on the company. Is it also true that you can't pay…
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Skycard just reduced my limit
Hi people! Just received a letter today from Sky who've just reduced my card limit from £4000 down to £800. A massive reduction if you ask me. I have nearly maxed out my card before on a few occasions but I will have to jump ship soon because of this new low limit.
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self employed - need advice on applying for credit cards
Hi there; Im self employed so know this affects my credit score. I have maxed my credit card out and need to change it to a 0% balance transfer. However, smart search conmes up with cards that are 0% interest free for like 52 days - not really long enought o pay off my card. So do i risk applyuing for a better 0% card even…
