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Capital One charge for paying early!
I recently opened a Capital One credit card account to take advantage of the free ID protection. here is the timeline: 16/06/08 Card received Card used (0% for first 3 months) 31/06/08 Payday, payment sent via internet banking for well over the minimum payment. 05/07/08 Statement received (dated 03/07/08) 29/07/08 Late…
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Help, need a credit card
Hi, Please could someone give me some advice. My husband and I are having real bad time financialy, we struggle to pay all the bills and buy food and sometime miss meals so to make sure the kids can eat. My husbands boss has ordered him a company car (which we had no choice in) so we will be losing more money as he has to…
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What's a better option than my Egg card here?
Hi there First time poster, new and all that...:o I've got about £2500 sitting on an Egg Card. The repayments are about £50 a month. I'm pretty useless when it comes to managing money and shopping about for the best deals but I'm getting better. Just paid off a loan I had...it was such a great feeling and a great sense of…
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Abbey Zero - Spending Abroad
Hi Everyone, Just a quick Question. I am going on a family holiday soon, and have got a Zero Card from Abbey. My question is, if I use this card on holiday/Abroad will I be charged, also if I use it in a ATM Machine for cash abroad will I be charged? Thanks In advance Mark
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Virgin prepaid card 'starter pack' - where to buy?
Title says it all, really. I need a prepaid card to use next weekend, and I've decided that the Virgin one best suits my needs. Problem is, if I ordered it online it probably wouldn't be delivered in time. So I'm wondering if anybody knows which stores carry the 'starter packs' which I've read about on Virgin's site?…
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In A Pickle - Overdraft/Egg/Citibank
Hi All, In a bit of a pickle and was wondering what was the best route to take. I have an overdraft of about £2.5k I got a Citibank card because it has the life of balance transfer at a low rate (can't remember what at the top of my head). Anyway I didn't check first and subsequently found out I can't transfer my OD as it…
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capital one free phone number
up until about a week ago i have been using the free phone number for capital one to check my balance but it is now saying you have to phone another number - not free phone! just wondering if there is any other numbers for capital one that are free phone where i can check my balance? i dont have my card anymore - cut it up…
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MBNA Credit Card Charges - Help Required
Hi I've recently been in contact with MBNA about charges which I believe are unfair and could do with some advice. Basically I was on one of their recent 0% cheque deals but a monthly payment went through one day late. This resulted in a 12 late fee which then took my account over the credit limit, causing a further fee…
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0% on balance transfer until paid in full!!!
Something really strange has happened. I applied for a capital one platinum card to transfer a couple of thousand from egg, as my 0% period ends this month. I don't have the best credit record in the world, and get some cards and not others. So I was not really surprised to get a letter from capital one telling me they…
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Goldfish
I have an Morgan stanley credit card and I understand they were taken over by Barclays. Rebranded and now known as Goldfish. However I have checked by Experien credit file and all reference to Morgan stanley/Goldfish has now gone. Can anyone confirm that regards the running of the account which credit ref agency they…
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ID protection
Hi everyone - sorry if I'm covering old ground but am struggling to find answers by scouring the site... My new debit card provider is trying to persuade me to spend £60 a year on ID protection. For my money I would get access to view my own credit history (I realise I can do this for £2 anyway!) and also free legal cover…
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Applying for Egg or Virgin - gross income question
Hi there I’d like to apply for an Egg Credit Card or Virgin Credit Card (for a Super Balance Transfer so that I can pay back money my sister lent me – she suddenly needs it ASAP) but I’m not sure what to put when it comes to gross annual income. I’ve been out of the workforce for over a year (travelling and such) and have…
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Abbey Zero
I have heard a lot of comments about bad CS at Abbey so i thought I would post my own experiences. Applied for Abbey Zero and got my agreement within 10 working days. Signed, returned and card received within 5 working days. Initial limit was set at £1000 too low for what i wanted. Wrote to underwriters at: Credit Card…
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credit cards can you haggle when paying off
Hi my partner has being left £15,000 but he owes quite a bit more on a few credit cards he wants to pay them all off with his money and he has heard he can haggle when paying them off does anyone know if this is true . thanks sarah
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Purchases and balances transfers
We have an M&S credit card which we used because of it's competitive "life of balance" interest rate. There is still an outstanding balance on that card. I have read that purchasing foreign currency using this card at the M&S bureau will not incur any foreign transaction fee provided it is paid off in the following…
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Possible credit card scam
Hi guys, This is my first time of posting on here, but I read this forum a lot - and I love it. I am posting because I have had a bit of trouble with my credit card and I urge you to check your statements thoroughly. I always pay my credit card balance every month so it is easy to spot any irregularities. I bought…
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Changing PIN...
It seems that this can be done only at a cash machine... or am I wrong?
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barclaycard removed money from my bank without authority
Can anyone give me some advice please. I have an old debt with Barclaycard which is in a queue of creditors that i am slowly working through. My wages went into my bank yesterday which just covers my rent and the upkeep of my three children and house. £1000. Barclay card have taken from the bank today £884.79?????? I have…
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To switch or see out the terms - Abbey Zero C.card
Hello all, I have been stoozing successfully for a few years but now have a predicament that I cannot get my head around. 1. I have £4900 on the Abbey Zero C.card for 6 months, no fee, 0% interest until dec 2008. I currently pay only £5 per month off the balance. 2. I also have a limit of £15000 on the Egg C.Card, for 15…
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mbna reduced interest rate!!!
Having a large balance with mbna, phoned them up after advise on here to see what they could do....well do you know what as I am a long standing customer with a large balance they reduced my interest rate by almost 10%:T It's such good news have to share it with you all....has cut my monthly interest by £100.00 a month so…
