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How have I messed up on 0%?
I got a Tesco CC in Feb with 0% BT and 0% Tesco purchases for 13 months, with 0% for 6 months on other purchases. I read the MSE rules for not spending on a 0% BT unless the 0% on purchaces is for the same length of time so I have only used my card a few times on Tesco purchases. Get on line statements so had made my…
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Which card to apply for...
Hi Guys and Girls Im applying for a new 0% card, or maybe two new cards. I have currently have two cards, one with virgin and one with egg. I have narrowed down the cards that i think suit me best, just a little advice on which one i might get a higher credit limit with. I have no adverse credit at all, so there should be…
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Virgin (MBNA) have suspended my CC account - any help please?
Two months ago my wife and I bought a PAYG mobile each from Carphone Warehouse. On Friday for my son, who is young, I ordered another mobile from the same firm. This order was rejected with a message to ring for information. This I did and the chap at CPW was very helpful and siad he would try again. The sale (again using…
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Cancelling first card & getting another
Hi, About a month ago I got a credit card in a department store because of the loyalty points earned when using the card. After looking at the small print I want to cancel the card because the interest is charged from the transaction date to the date of full payment, with no interest free period mentioned. I would still…
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All these rates confuse me!
I recently got my first credit card from RBS which has an introductory rate of 0% on Purchases for 6 months and 0% on Balance Transfers for 13 months. I haven't used it yet, but I've now decided to book a flight to Canada for Christmas. I can easily pay this flight off within 3 months, but before I book it, does that mean…
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advice on BT
I've signed up to two "life of balance" cards as I want to use the funds as a low interest car loan. I have Barclaycard with £5400 balance and MBNA with 3200. Neither charge a balance transfer fee, but only MBNA allow balance transfer to a current account. My problem is how to get the £5400 to my current account. I have…
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Accepted for an egg card but only £500 Limit?!
Hi all, I recently just applied for an egg card I have a decent income after Ive just started a new job a week ago around 16K (Typing error) per year (for my 2 jobs) I havent applied for any credit card in the last 6 months and I have no defaults or late payments... I applied for an egg card hoping to shift all my cards to…
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Employment details
Hi, I was just wondering see when we fill in the form about employment status, when we put in the actual phone number etc. say on a barclays card application form, will they phone up to check etc.? Also, do I actually fill in the place I am working at or the place which employs me? Because I am working in a practise but I…
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cashback in stores with credit card? can you?
If you are paying for items and a store offers cashback (like Tesco and groceries) does the CC card company see this as purchases or a cash advance?? eg: I buy £30 worth of groceries at Tesco and they offer me cashback - is this seen as a grocery purchase as it's one transaction?? I could be completely wrong as I've only…
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maximum borrowing over a year
Can any of you more knowledgeable about credit cards than me help? I am a property investor that is in the middle of a purchase. I have 20k in shares that are at a low ebb (current worth £17k) I was going to sell these to help with the deposit. As they are at such a low ebb I wondered about credit card borrowing instead. I…
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is it worth covering up the security number on the back of credit/debit cards
is it worth covering up the security number on the back of credit/debit cards with a small bit of tape, or can people still use the other details to buy things once they have skimmed your card etc
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Tesco Credit Card
In June 07 I balance transferred £1,000 to Tesco Credit Card. I had 5 late payments totalling £60.10 (£12 each). In June 08 I transferred the remainder of the balance to another card. My July statement from Tesco has added £4.48 (b/t monthly interest rate). What does this mean? I phoned them up and they said it was to do…
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shell card from citi bank - online management?
Hi guys I spend around £150 a week on diesel so i thought it was time that i got a decent cash back card. I got the shell card from citi bank, that offers me 3% back on fuel purchases from shell I have been accepted and the card is in the post. One question: How do i manage the account? I cant see any reference to it being…
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Free 20000 bonus points...enough for 1 night in UK or 4 night in italy
Apply for the priority VISA Card and tehy give you free bonus 20000 points after a spend of £5 within 90 days of receiving card. 20000 points can get you one free night at holiday inn in UK or at lease 4 nights free else where... :p :j https://www.online-card.co.uk/ihg/partnermicrosite/welcome.aspx?OriginCode=PE0002 Link…
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is this normal?....grrr not happy
hi guys wonder if anyone can tell me if this is normal or not........ I have an Alliance and Leicester credit card which comes from MBNA I believe........Whatever I but on this card during the month I ALWAYS pay off in full before the statement date to avoid interest being charged.......I purchased a holiday and payed for…
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Cash Advance Charges And Betting/Gambling Transactions
As we know some credit card companies charge cash advance fees on betting/gambling transactions. :mad: Does anybody know whether cash advance charges are levied where the credit card account is in credit as in my mind where a credit card account is in credit a credit card company couldnt possibly claim that they have made…
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Credit Card Security
For several years now I have been refusing to sign chip and pin cards, writing in the signature slot instead "SIGNATURE VERIFICATION BY PHOTOCARD ONLY". I have recently been in contact with Barclays, Barclaycard services, Abbey and Trustcard because all of them state in their terms and conditions that the card is invalid…
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Reversal Of a Balance Transfer
When I signed up for a Natwest credit card, I requested on the application form that I require a balance transfer of £300.00 to pay off my exisiting HSBC credit card. A few days later, I payed off my HSBC credit card from my current account and completly forgot about the request I made on the Natwest application form. A…
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Paying a Credit card payment by Credit card
Hi Not sure if this has been asked before but would like answers if possible for these circumstances. OK credit card monthly payment needs paid, and no cash available. Is it possibe for amother card with 0% deal to pay the payment that needs paid like you would you a debit card or cash? (nothing to do wiht transfering but…
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AMEX - Get money off if they don't accept it!
Hi all, I bought some wood flooring today and after a long hard barter I got them down to £350. I tried to get them down either further but £475 to £350 wasn't too bad. I then produced my AMEX for the 5% cash-back and they told me they didn't except it! So i said... ah so you can go to £330 then because I only wanted to…
