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American Express - Problems
I have just applied for and received the American Express 3 months 5% cashback card. So far they input my adress wrongly so the first card went to the wrong house - which I only found out by phoning up because the process seemed to be taking too long. I then had to suggest to them that they cancel the first card and send…
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Can you link a credit card to a savings account?
Or does it have to be a current account. Trying to help my mum set up her finances. She needs a savings account where she can store money at a good interest rate. Yet would like access to cash (via bank, or cashpoint.) However, I was thinking if she gets an Egg Money Card like i have she could use that to buy things and…
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Help with balance transfers please
:hello: Ok, this is my situation. I have a Capital One credit card with £500 credit limit (£330.89 credit and £169.11 left to pay). The minimum payment is now £5.65 per month and interest next month will be £2.88. The monthly interest is… 2.528% per month (withdrawal and purchase, it says on the statements) or 30.340% per…
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Barclaycard simplicity
Has anyone with one of the higher rate barclaycards managed to change to a simplicity card? We have a barclaycard gold account that we've had forever, there is a limit of £10350 on it - we hardly use it and tend to pay it off in full most months but the rate has slowly crept up to 17.9% from around 12% a few years ago. On…
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Help
I have had a credit card with Morgan Stanley for approx 5 years,then it changed to Goldfish and then recently in April 2008 i recieved a letter saying they were transferring business to barclays bank and i was to carry on paying as normal when my statement arrived. I then noticed end of April still no statement or other…
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MBNA Website or is it?
Hi, I was wanting to register online with MBNA. I entered directly the website address and I've searched google but everytime I click on the MBNA site it changes address to wwwa.mbna.co.uk (note 'a' added in address) Can anyone tell me if this is correct? I tried to phone MBNA but found them to be unhelpful. They say…
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Keep or Close ?
I have 2 Credit Cards both that I have transfered the balance elsewhere. Now I have the 2 cards with £14k & £9,500 credit limits, both with zero on the card. Credit record / score-wise, is it best to keep them with zero balance or best to close them ?.
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Defaulted credit card still active?!
Hi...I was wondering if someone could help me out... I got into a bit of a mess end of 2005/2006 - fell out with parents, they kicked me out, was a student at the time working part time so suddenly found myself totally skint with paying rent etc...anyway I was used to living at home and having lots of free cash so had…
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morgan stanley dean witter/goldfish
I have had a credit card with Morgan Stanley for approx 5 years,then it changed to Goldfish and then recently in April 2008 i recieved a letter saying they were transferring business to barclays bank and i was to carry on paying as normal when my statement arrived. I then noticed end of April still no statement or other…
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Balance transfers onto AMEX Nectar card..?!
Hi all, wonder if anyone could help... Have a small balance of £1000 I want to transfer onto my AMEX Nectar card and was told the other night when I called customer services that I couldn't transfer a balance unless 'by promotional invite only' :confused: I only need to move the amount for a few days as I have a 5 month 0%…
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Interest Charges For 0% Deal (Taking money and saving)
My card company have offered me 0% for 5 months with no fee. I have a card limit of £5400. Now if I was to take it and put into a saving account what sort of interest would I likely gain from it. I can clear my balance off that I have now (use it for the cashback deal).
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unauthorised payments
Hi there, it's my first post here and I really need some help! I'm having a little battle with my credit card company. Basically they say I owe over £11000, I dispute the amount owing and asked for copies of all my statements (paid £10 fee) going back to when there was a nill balance on the account. After months of 'stone…
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Best Card for Occasional Use??
I don't currently have a credit card, so no balance to transfer, but I decided to get a credit card again, just to use on the odd occasions when I want to buy something on-line and the site doesn't accept debit cards. On the spur of the moment, while I was in my bank (NatWest) I asked about a credit card and applied and…
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Banks are desperate
I have an Ulster Bank Gold card. They charged me an overlimit fee of £12 last month (June) got it refunded because the only thing that put it slightly overlimit was the insurance and their charge. Recieved my statement for July and there it was again a £12 overlimit charge despite having paid over £500 into the account and…
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Pay off credit cards?
Hello Currently we are juggling a £600-£800 overdraft and have £5'500 on the credit cards, (it crept up a few big expenses, failed transmission in the car, failed propshaft) we have an endowment policy that has been running for approx 15 years with 10 to go its worth £8'200 cashed (we have tried to sell it but the first…
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Will they back-date my repayment cover?
Hi, Firstly, this is a little embarrassing. I've had a Halifax One card since 2005 with a little money spent on it, but not too much. I've always known exactly how much I was paying off each month, and how much I owed. For that reaason, I've *never* looked at my statement. Silly, I know - but I speak to Halifax all the…
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Credit Card debt
Im a newbie on her but wondered if anyone can help me, i have around £5000 on my capital one credit card and want to clear it asap what is the best way to do this?? card swap? or not i dont really understand things like this and get myself all eat up and stressed when i think about my debts pleas HELP!!!:huh:
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Late payment scam again
This morning I got another of those letters from Alliance and Leicester saying that from a certain date my credit card payment due date will change. I remember the last one where they gave me two months warning and then charged me a £15 late payment fee when I had forgotten all about the letter and, indeed, made a late…
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CCV Security Code and Changing Address
Hi, I'm trying to take out a new mobile phone contract for my dad. But it rejected the card details when we ordered it online. The reason being was that my dad's bank had two words in the address spelt as one and the wrong postcode for his account. We have now instructed the bank to correct the address and they have said…
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Freezing interest on a credit card
Hi Was hoping someone would be able to give a bit of advice. My girlfriend currently owes about £10,000 on credit cards that we are trying to sort out. Her credit rating isn't great so transferring as much as we can to a 0% balance isn't a guaranteed option at the moment. She can only afford at the moment to meet the…
