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Most Secure Card, or just PINned Down.
Visa has introduced a computerised credit card which it hopes will help banks battle fraud. Story Click Here. You Tube Video - Click Here. Comment: Many contributors to the Forum will be well aware of the liability shift for fraud onto the cardholder where fraudulent transactions and PINs are involved. Discuss:
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SNEEKY Ba*rds!!!
So, I applied for another 0% card to switch to, after my existing card ended. I got a Barclay Card Platinum card at 0% for 12 months. Because I'm not sure about my job security at the moment, i decided to take the basic, involuntary unemployment cover at some small percentage per month. I thought it might be better safe…
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APR Rates
I have had a BOS Credit Card for 9 years with a small credit limit of £500 to use as a fall back card. This morning I rang them to ask if they would look at the 24.9% APR they were charging. I went through the automated phone system until I got to the section on rates. An automated response came on to inform me that the…
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Credit card protection lost goods
Hi any advice, I returned some goods ordered online from M&S and paid for with M&S card. Lost Post Office receipt, m&S have not received and don't want to know, PO doesn't want to know, any ideas?
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Capital One - rejected payment?
Hi I paid my Capital One bill on Friday 14th, it showed (and still shows) as payment received, and I am able to spend on the card again (it was up to the limit). The payment showed as pending on my RBS account yesterday, however today it doesn't, and my available balance has shot back up by the amount I paid. I've spoken…
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Capital One Credit Card
Hi, I received my pin last Friday and on the letter it says your card is on its way, however when I called them up to see when I will receive it they have said that it could be on or before the 26th November will I really have to wait that long. Has anybody got any knowledge about how long I will have to wait. It is just…
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which prepaid card
heres a list of prepaid cards and i want know which is best pls! https://www.fairfx.com - this looks ok https://www.ivobank.com/ - looks ok but its a virtual card only online using https://www.icash.com.au/card.exe - nice $30 free offer (without having to pay ne thing) - but again its a virtual card…
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Payment protection on credit card, any good?
Hi everyone, I lately got my first credit card from Lloyds and without thinking very well subscribed also to payment protection scheme (something similar to Card Guard), but I still have some days to cancel it if I want to. Can anyone explain me is it a good thing to have payment protection (of course, it s not free) or it…
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balance transfer - 0% or long term?
hello, i've just been made redundant from my part time job and am now claiming jsa. i have a good credit rating and need to consolidate my 2 credit card debts (totalling £3632) but don't know whether to go 0% or long term as i can only pay off a little a month. any ideas on the best way to manage this? any help…
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Is this any good?
Hi, I'm a bit confused when it comes to credit cards, but like everyone I'm desperate to save some money! I've been offered a rate 2.9% on balance transfers from HSBC, this is for 24 months with a 2.5% fee, I have £3000 on a barclaycard (standard rate)will I save money on this? And how much would this cost me in interest…
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Free 2500 ipoints with ipoints credit card
Apply for an ipoints credit card, and the first time you use it they will give you 2500 ipoints to spend on whatever you want. Just make sure you pay the card off in full and pay no interest. If you use the card for any purchases you get 1 point for every pound, and double points in the first 3 months. The card (which is…
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Experian searches - affect credit rating?
Hi, I just became a member of Experian to check my credit report, and noticed there are seven searches in the past six months. Four I know about, one seems to be a duplicate from an insurance company, and two are from Experian in the past month. Will the experian searches affect my credit score when other companies look,…
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Your payment habits now to appear on credit files
Your payment habits now to appear on credit files Banks are set to share more of your personal information with each other, in an attempt to spot early signs of financial difficulty. In addition to the data they already share, which includes how you manage your credit accounts and the amount of credit you have available,…
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Section 75 1974 Consumer Credit Act - Consqequential Loss Claim
Morning Everybody ... Thanks for taking the time to read ... I purchased flights earlier this year with the now defunct XL Airlines Group, and paid £646.00 (x4 tickets) with my Nationwide Credit Card - these were flights booked via XL website direct. I placed a claim with Nationwide and they duly refunded the ablove amount…
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Easyjet Mastercard and Purchase Protection
Hi Gang, Apologies if this query has been raised in the past. I have a easyjet Mastercard issued by Citicards. I purchased two items on this card that were subsequently stolen. Upon ringing them up to ask for a claim form I was informed that the Purchase Protection Insurance was no longer available and was withdrawn in May…
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Cashback: Spending vs Buying
I am looking at regularly paying a range of people/organisations and looking at doing it via a credit card. Can you claim cashback SPENDING on individuals or organisations rather than physically BUYING goods & services. Slight nuance, but I hope you understand what I am saying. Can anyone shed any light on this? Thanks!
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Using credit cards overseas
Here's a conundrum for all you curency exchange specialists. Hope you can help me with this query. I use a Nationwide credit cards for overseas purchases because of the benefits involved. Recently, I made some purchases in Jamaica and they asked if I wanted to pay in US dollars or Sterling. The price quoted was $25 or £15.…
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removal of 57 day free period
Hi there, Help please... My DH realised just recently that his credit card company, BoS, have 'removed' interest free period. He originally got the card back in 01 and the balance was paid off in full in 04, then 06 and since quite small balance (but decreasing) existed. Then earlier this year we paid for our windows on…
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First Time Credit Card Applicant
Hiya, Having read the Credit card section, I am slightly confused re: the credit rating etc. Apologies if this is covered on the main website I just didnt understand it. I read that credit card companies do not like customers who always repay their balance, and therefore do not pay any interest. I understand this, but what…
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virgin mbna credit card restricted for paying in full and on time
Hi everyone just wondered if any of you have had this experience we have virgin card, and we use it a lot but always stay within credit limit £3000 and clear the balance each month. they have just rung me as they are not happy with our usage and they have restricted the card, the balance is £200 on it now. i understand…
