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CC - is it worth keeping one?
Hi all, im a uni student and I got a Halifax One credit card ~3 years ago when i opened my student account (currently has £2k 0% overdraft, 1k used). I've never really used it - mainly because they scare me (knowing people who owe several £k on theirs)! Ive also never owed anything on it for more than a month - except once…
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MBNA dispute letter help needed
Hi all, my husband and myself are in dispute :mad: with MBNA. (chip/pin card cloned) MBNA state the original card was used in 4 fraudulent transactions . we dispute this as card was safe at home. MBNA state that chip cloning has never happened., and are insisting we pay even though they have not provided us with any…
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Virgin money takes advantage of mistake
Hi, I've had a virgin credit card for 8 years. For some reason in June I didn't make the payment (first time ever!). All my fault, just slipped my mind. It was only when I recently logged on that I saw the late payment fee and realised my mistake. I am on an interest free deal, however I also noticed a great deal of…
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Egg 0% offer. Misselling Advice
I recently transferred a balance to Egg Card of approx. £2700 advertised at 0% until February. This was an offer for current customers until 31st July. The advertising said: '0% for up to 7 months on balance transfers Make the most of it; offers like this don't come around very often. Simply transfer any balances you've…
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The end of Egg Money?
I've had an Egg Money (Mastercard) credit card since 2005. When it launched, it was sold to as 'spending' card, essentially replacing cash. 6.9% on a negative balance / 4% on a positive balance 1% Cashback on all spend (up to £200 per year) No foreign transaction fees No cash advance fees Since Citigroup have taken over…
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Is it worth balance transferring?
Hi Guys, Just wanted a bit of advice. All of my debt at present is on 0% or LOB interest, bar one, the dreaded MBNA at 19.9%!! My balance on MBNA is £2500ish. I have an Egg card with a credit limit of £6900 current balance at £4600 at 5.9% life of balance. This month is my anniversary month on Egg and they are offering 0%…
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Anyone know how to work out what my interest rate is?
Balance on card is 371.57 and interest last month was £1.71 - it is on a fixed life of balance rate. I'm just about to do the snowball calculator and this is the only card I don't actually have the interest rate for. Any help gratefully received:D
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Advice needed
I've got 3 credit cards. All of them new. One is a Barclaycard Platinum card which I have used for paying for a holiday and obtaining £250 cash from an ATM. The cash interest is 2.075%. My balance on the Barclaycard is £996.27 and I'm due to pay a minimum paymt of £14 next month. I've been charged interest of £5.34 (I…
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What are my rights?
Hi everyone I've just done something very silly and allowed myself to be pressured into booking and paying for accupuncture treatment/herbal teas. I am suffering with sciatica and just as a little treat to myself this afternoon I went to have hopi ear candelling (cost £25) (I know bit weird!) at one of these chinese herbal…
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Credit Card Cheques Query
I've taken up a Capital One card with 0% on purchases until October 2009 to spread the cost of some work on my home with the intention of paying off in full before the end of the deal. However, for the major purchase, windows, the company levies an extra fee for use of credit cards which sort of defeats the object. I'm…
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CC Minimum payment lower than interest?
Just notice on my AA Card, The balance is circa £1300 The minimum payment is £26.02 and the estimated interest is £31 something. Why is the Minimum payment so low?, I thought the Minimum payment would always cover the estimated interest pplus say £5 so the balance does actually go down? Whats going on here? I rang them and…
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credit cards and credit score
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Cifas Entry on my credit report
I've just run an Equifax report and there's a cifas on the end. Client Name - Equifax Cifas Date Recorded - 23/02/2008 Category - 00 (99) Name - Mr X Address - House Number and Road Case No - 311*** Date of Birth - 11/08/1955 Product - Blank I'm not Mr X, he is a real person who lived in the flat upstairs. It was a house…
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Which accounts to close??
Hi all I've just transfered my egg card to 0% on Virgin for 15 months and am wondering whether to close the two egg accounts I have with no balance on. I currently have the following cc accounts open: Halifax - Limit £8000 - 0% runs out Jan 09 - Balance £7500 HSBC - Limit £500 - 0% runs out Jan 09 Balance £400 Virgin -…
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Egg Money card changes
I have just received in the post a letter from Egg Money with a periodic changes to T&Cs booklet dated July 2008. I have my account setup to always pay the balance in full by DD each month, consequently never paying interest to Egg. It appears from new condition 7.2, that every card holder will pay at least a 50p fee on…
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Limit to your Data Subject Access Rights
Just thought I'd share this with people for future reference. Some time back I had a card application withdrawn after initial acceptance because of some "problem" discovered by the company's fraud/security team. Since there's no actual problem I can possibly imagine, I assumed an error had been made. There's nothing on my…
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Lloydstsb Airmiles Duo question
Hi! Just a simple question about my statement that has come through. Im new to all this credit card business to be honest. Anything that I have bought on the CC I have always paid off in full when I get paid next. This is all fine and my minimum payment reads 0 on the paper but today I noticed a section. It says "New…
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Abbey Keep Charging Interest
Since I have had an Abbey Credit Card I kkep receiving interest charges despite paying the amount off in full before thedate given I have been in store and phoned the credit card office and I keep getting different answers from different people. The staff seem very unprofessional and can't seem to see whats wrong. I was…
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The Faster Payment to CC
hi, today i pay some money from first direct to egg (online) and it is there the same day and it is called the faster payment This is very useful for some people, just wanted to let you know :j thanks
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Advice please :o)
Hi guys, im new to here so first i would like to say hello! I'm currently struggling with my MBNA credit card as i am paying £100 direct debit each month but only about £30 is going off it which would be ok but i am over my limit by £400 and the call centre staff dont seem to be very helpful. I explained to them that i no…
