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Is balance transfere a cash advance?
Firstly sorry if this question has been asked before. If you make a balance transfer from one credit card to another is it classed as a cash advance? I ask because i am just going through my SAR from Alliance and Leicester Credit card (want to claim back penalty charges) and i have never ever used the card for purchases…
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Cash interest on my statement???
I signed up to Betfair on 7 April and to verify my identity they took £2 off my credit card (this is seen as a Cash transaction by my credit card company). On my April statement I got charge £1 cash interest, I paid the statement off on time. On my May statement I got charged another £1 cash interest, again I paid the…
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Debit card Chargeback, firm gone bust.
I have just paid for a hotel using my debit card (Halifax Visa), and the firm I booked it with (go2spain.co.uk) have just gone under. They have not paid for my hotel, so I have had to rebook and pay again, loosing the payment I have made to go2spain. Obviously I now want to get this money back. I have read on here about…
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Keep spending organised....? But simply!
Hi - looking for some advice please... :o At the moment we only put big purchases/bits we haven't got the money for at the time on the credit card, but pay it off each month. I'm hoping to start putting all our food and eventually everything else on card at some point (to get more clubcard points/cashback). We have a…
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Help please....!! Cashback or clubcard points??
Hope someone can help, I've been looking into changing my credit card for a while, but haven't done anything about it as I can't figure out how to work out what my best option is... At the moment I have a Tesco Platinum credit card which gives me clubcard points when I spend... I need to work out if I would be better off…
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Just got first credit card. Bank Of Scotland All in One...help lol
Well i had always been refused for credit cards before with me never being in debt before so i was shocked when i was offered this. So i got offered this card and i accepted it. Its apparantly a £1200 limit. So basically right now im waiting on the card coming and to activate it. Now i understood most of what was said to…
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Should I cancel unused credit card accounts?
Hi, I have a few credit card accounts left over from previous balance transfers, they are £0 balance and I am not using them. Is it beneficial to cancel them / close the accounts or leave them open? My credit rating is very good but I have heard differing information about unused accounts showing future lenders you've…
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Shopping treated as cash advance?
I'd like to use my Mastercard credit card (issued by HSBC) to shop (not online) at supermarkets such as Morrisons. I'm wondering whether such transactions will be treated as cash advance? Any help would be appreciated. Thank you.
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just curious......sub card q
does having a sub prime CC look bad on your credit nfile? For example, i want to get the halifax ctandard at 27.9% so that i can take advantage of the offer of accessn to your credit file fior free for 12 months. i am going to be paying off in full, dont worry money savers!!!! i have other credit which is "prime" but ihope…
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returning items and not using the same card
i seem to be encountering this more and more. my other half and i have the same card accounts but the cards have different numbers. if she buys something and i take it back for example then why carnt the money be put back onto my card. i end having to have vouchers which are only valid for a year and make you spend the…
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interest
Has anyone else been mislead by Abbey Zero and their o% commission on taking out cash abroad? Be careful you are charged interest on a daily basis!
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Gone over credit limit
Hello, I've just realised I've gone over the credit limit on my Abbey credit card, I realised today that I've gone over by £13.06 but they don't seem to allow me to make a payment to my card before my statement due date, both Halifax and PayPal allow this so I'm wondering if it's a legal requirement and if I can do…
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Best cards for building credit rating
I have worked abroad for about 8-9 months each year for the last 11 years. As a result I had no accounts or credit history or anything in UK. I moved back to UK in December. In February I opened a Yorkshire Bank current account and was given a maestro card. Last month they gave me a £500 overdraft. Around that time I also…
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Vanquis Annual Fee Problem
I have had a Vanquis Credit Card for just over two years and have had no real issues with it.. apart from one! When I applied, their advertising and terms and conditions said there was NO ANNUAL FEE! However, I have twice been charged a £25 annual fee. It is coming up for renewal soon and I really begrudge giving them my…
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What is the difference between APR and AER?
i dont know the difference! Ive got two different credit cards and dont know why one has AER% and one has APR%
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Post Office Credit Card problem
I applied for a Post office credit card last week as I am going to the states next Sunday. It arrived yesterday so I popped to town this morning, and tried to use the card to make sure it worked okay with the PIN i was given etc. I handed it to the cashier in Boots and once she put it in the Chip and Pin Machine, I was…
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fun with egg!!! please read and then see if you can do it too
:rotfl: i checked my egg statements on line and discovered that i had been charged more interest in june than in may even though the balance was lower in june. i phoned egg yesterday to query it and was told that the increase was because of the number of days in the month so i said so it £1.10 per day then the agent said…
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Barclaycard o% offerWere
Were barclaycard offering 0% on purchases to new customers in May or was I mistaken
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Credit Card APR increase
I have spoken with Virgin today over concerns with the APR on my credit card. It startes at 12% and is now at a whopping 34%. I have a £5000 balance on it. After raising my concern I was advised that this can be done at any time and there is effectively no limit on any increase they wish to apply. It is in the terms and…
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Incorrect Acceptance Letter from Capital One
Hi, I hope somebody can help me please. I received a letter this morning from Capital One confirming that I have been accepted for a Capital One Platinum Card, however the typical APR and the date on which the 0% balance transfer/purchases interest increases are different to those which I saw online and applied for! I…
