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Savings and credit cards
Basically a bit of background first otherwise it doesn't make sense lol. I have a credit card balance of £2000 that I will be transferring to another card in September for a 12 months interest free period. It will take me roughly £170 a month to pay it all off before the period runs out. Now I suddenly had a thought this…
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Capital One Platinum 0% November 2009
Just wondering if anyone else has applied for this card and their response. I have a very good credit history and when I applied for this card last week, I was turned down (with no reason given) but offered another one of their Credit Cards - 0% balance transfers and purchase to May 2009. I told them to sod off as I think…
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over my halifax limit
if i accidently went over the limit of my halifax 0% credit card will that mean they instantly cancel my deal and put it back onto an interest rate??
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Mastercard charges two currency exchanges when there was none - please help
This story is a bit different than the usual "Mastercard charged me too much" as I didn't need a currency exchange to begin with. I have a USD bank account and I went to the US where I used my Mastercard at ATMs and for shopping. What happened was Mastercard made a currency exchange to Euros and then back to USD so I payed…
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Eversheds debt help please
Hello Looking for some advice, sorry if this is the wrong place, I have been using this site for a while but only just registered. I have about 25k of debt, have had it for the past 4 yrs, managing to pay it off, some debt agencies some direct, I am a sinlge parent and work full time on a low wage. Now I have a debt which…
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Cash plus - application problem
I am trying to apply on-line for a cash plus pre paid mastercard. Everytime I fill in the form on the first page and try to go to the next page, I get an error "please enter valid Date of Birth. I am very definately over 18 so no problems there !! Any ideas as I don't really want to call premium number to apply. Thanks
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Sub Prime cards - credit limit increases?
Hi I have a capital one classic card, and after 4 months got my limit increaed to £500 from £200. I was wondering if they keep doing this every 4 months ( I have been clearing it off every month). On the other sub prime cards, how quick do they increase. Is it worth trying to get them all and so build your credit limit…
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How to pay mortgage by credit card
Hello, i have a Natwest offset mortgage and a 10 month interest free on purchases credit card. I want to pay the mortgage with the credit card and keep the money for the mortgage in the offset account to offset the interest on the mortgage. (And pay the minimum payment on the credit card until the interest free period…
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Can't access my credit report
Right I am trying to look for a 0% deal on a CC to do a balance transfer from one of my higher rate cards (to pay it of quicker), I had a couple of late payments late last year but since then never missed a payment, no defualts, ccj's or anything like that, we moved house in March, new mortgage etc, no further applications…
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ASDA Gosport - Card Fraud Alert
"AN international crime gang has swiped thousands of pounds from the bank accounts of unknowing shoppers." The investigation centres on Asda in Gosport where it is believed many of the victims had visited. The ATM machines at the superstore are not believed to be under investigation as victims say they never used them.…
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Holiday to the USA
I'm off to Florida in October and am looking for advice on the best credit card to use. I currently only have a HSBC debit card (Maestro/Cirrus) so I want a card that will be accepted everywhere while away. I will be paying it back at the first opportunity on return. Any help or advice would be greatly appreciated.
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A taxing suggestion?
Someone on 'Any answers' (claiming to be a solicitor) has suggested that stamp duty land tax should essentially be scrapped for all but the largest transactions and - he suggested - replaced a with a 'stamp duty' on every use of a credit (and debit?) card transactions 'at 1 to 2p' Sounds scary if by that he means 1 or 2…
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ripped off by ex and left with c-card debt HELP!
I've had a halifax platinum card for the last 7 years, there was a direct debit set up from my partners account to cover the expenditure they owed on the account (tho the account was in my name) Although we split up a while back they quite rightly kept up making igpayements and all was fine.... until last week. I got a…
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Wrong info from MBNA?
Hello there.. I have come to the end of my 0% period on my MBNA card, and my £6000 has successfully not accrued interest over the past year. I have received my final statement of this 0% period and it tells me the interest estimated for next month is £127.91 (a disgusting 29.9% APR!!) ... and I read from Martin's articles…
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need help...ive been soo stupid
hi i got a halifax credit card in march and it said no interest for a year on purchases.i read the small print etc and thought i understood it.i got some cash out at the cashpoint and went over the limit by around £30.then i see they are charging me interest so i call them and they say they can take away the no interest…
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A+L Rewards Credit Card, Gambling Transactions And Cash Advance Fee.
Just taken delivery of one of these, have flicked through terms and conditions booklet that the card came with. ;) Cant find any mention of Cash Advance fee being applied to gambling transactions, could someone pleese confirm whether or not gambling/betting tranactions attract a cash advance fee to this card.
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credit card chargeback help
Hello all, I am thinking about doing a chargeback for a ebay item i won, and need some advice. The item was shipped from the USA (to UK) and arrived damaged. If I start a chargeback do I have to return the item or pay return shipping costs (the seller refuses to pay return shipping) . The item cost me £90, the cheapest…
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Interest after One Day?
Is it possible to accumulate interest in just one day on a CC? For example if a £50 purchase is made on the 23rd, but my statement date is the 24th of the month, is it possible that I have a 2 pence interest charge already with hardly any chance to pay it off?! Thanks in advance.
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Help Closed my cc think i've made a mistake
My husband and i had some cc and a loan between us and thought it best to pay them off asap so we borrowed £10k on our mortgage to pay off our debts which is fixed at 5.8%, when we used martins repayment calulator it worked out the only cc that would be paid off before 100 yrs is 45 yrs and we thought it best to get out of…
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Transfer from another persons card
Hi I have a good credit rating and always pay my credit cards in full each month, I currently have a Virgin card which was used to fund a trip to Australia at 0% which was settled in full on expiry at 1 year, this card is still active although I have not used it since. I also have a Lloyds bank platinum credit card which I…
