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Is it possible to get a bank to freeze interest on a CC?
I have a HSBC credit card, I owe £3,500 at the moment, I have been getting it down from about £5,000 for the last 6 or 7 months which wasnt a problem as I was working full time,but I finished work in September as I started a full time degree course at uni, I have been making the minimum payments on the CC, which is about…
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Full balance DD not taken - Tesco CC
I've had a Tesco Club Card CC for abou 16 months now and have always paid the balance in full. It was only about 8 months ago that I set up a DD for the full amount to be debited each month a few days before it's due. The DD for the full amount has been collected ever since... except this last month. The balance was just…
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Balance Transfers
Can anyone tell me whether its possible to transfer a balance from there credit card to mine, my husband currently has a Barclaycard with £1256 the interest rate is high, we pay the minimum repayment ,he has a poor credit score so cannot transfer, however mine is excellent and I would like to cover the debt on my capital…
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should i pay or should i go.
I have recently been given a lump sum at work of £1200 what is owed to me!! Should i:- A)Pay off my credit card with this amount (built up by working for them kinda like expenses) i have recently transferred roughly that amount to a 0% card for about 12months or b) enjoy it maybe go on holiday? marky
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paying off a credit card
i got a credit card as i wanted the protection it offered on purchases. i had to set up a direct debit of the minimum repayment from my student account. i owe 299 on the card and want to pay it off in full this mmonth so not charged any interest:T . my minimum payment is 6 pounds. do i pay the whole 299 and then they wont…
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Breach of PCI, do the CC companies care?
Booked a Christmas meal for me and a few work colleagues at a well known gastropub in London. They took my credit card details, including security code by phone (originally asked for them by fax!!), when I asked if they were running it through a till for a nominal amount to verify the card, they said no, they were writing…
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so using my halifax credit card is not free!?!?!
i've always used my hsbc card and never had to pay any charge as long as not gone over my limit. recently on this site i read about credit cards giving 1% cashback on the spendings so i was like yeah why not? i got a halifax cashback credit card a month ago and today on my statement it said: Next Month's Estimated Interest…
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Virgin money interest catch
I am in dispute with MBNA over interest charged on a Virgin Money credit card. I had been on an interest free offer until september of this year. When my September statement arrived I paid off the full balance on the payment due date and expected to have avoided any interest charges. To my surprise when my October…
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MBNA full and final settlement
Recently offered £8500 as a full and final settlement on an outstanding balance of over £16000 with MBNA. It was declined but after I explained again I had barely no disposable income per month they decided to review my case. Should get an answer tomorrow or monday What do you reckon? Will they accept? Anyone out there…
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Only 60 Days To Transfer Cash?
I just rang virgin to apply for a credit card but asked for all the info before proceeding. I found out the 0% rate on transferring cash into my current account is only for 60 days and then goes to 16%. I'm new to the credit card world, is this normal, I explained that I would need to transfer cash to my current account…
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Prime Pre-Paid Mastercards
can anyone tell me please. How can i activate my Prime pay-as-you-go Mastecard? I have tried to ring the automated lines and have looked on their website and i still can't activate my card as the automated voice on the phone after the options just says goodbye and it cuts off. Can anyone please advise? with thanx Astra!…
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Have any existing mbna customers got any deals recently?
I've just phoned them up to see if there were any deals available to me and they said there's currently not on the system at all? I just want some ammunition before I phone them again :beer: p.s i havent tried threatening to leave yet, should i? 5 year customer 10K limit
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Direct Debit taken from cancelled MBNA Card
Hi, I am new as from today! I took out an MBNA card some years ago and bought Card Protection in the event of a loss, paying by Direct Debit from the card. I cancelled the card a year ago and last week the Card Protection Company debited my card without my knowledge. MBNA paid the £70 from the CLOSED account!! On argueing…
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If I have a card that is 0% on purchases....
Does this count for purchases in $USD? Thanks.
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Should I transfer balances?
Hi This is my first post and I'm hoping you can offer some advice. Currently I have the following credit cards Virgin - Balance of £6419 @ 17.9% , but £1918 of this is at 3.9% until Feb 09 HSBC - Balance of £3116.7 @18.9% Barclaycard £2698 @ 0% until Feb 09, then standard rate (not sure what that will be) HSBC (Wife's)…
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HSBC's way of making money or my mistake?
I am a little bit annoyed at this I admit in the past I have been rubbish with missing payments but I have learnt from it and got my act together. I recently got a HSBC card out as it had a nice long 0% balance transfer limit. However 3 months in and all is not well. My payment due date for last month is the 4th (normaly…
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Abbey CC Fraud
Hi there, I am in the middle of a dispute with Abbey over some transactions on my credit card account that were not made by me. The account in question was opened 11 months ago for the purpose of a balance transfer. I never intended to use the card and just opened the account for the balance transfer on offer. If I am…
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Won County Court Case, Halifax still won't honour Section 75
Hi there, Back in July I purchased a car with my Halifax credit card; it turned out to have defective (dangerous) brakes and the garage refused liability. It cost £1200 to get the brakes fixed, so I registered a dispute with Halifax. They acknowledged S75, but advised they could not adjudicate the facts of the case, and…
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Improving a rubbish credit rating...
Hi, If some1 had outstanding balances on a creditcard and a loan totalling £3750 and is really working to get them doen to £0 (in about 10 months time) would you suggest them getting a credit card (Capital one - 34.9%!!) which will improve there credit rating - even if they just spent £5 on it per month and then paid it in…
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Missed payments - how do I deal with it?
Hi I'm looking for a bit of advise. I've had a credit card with this one company for about 7 years. At times I've had quite a bit of cash on it and at other times not a lot, but I've always paid on time and paid more than the minimum amount due. A couple of months ago they sent through some balance transfer stuff, and I…
