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Help needed to understand credit card interest please!
Hi I got a Tesco credit card with 0% purchases for 3 months. So I only paid the minium for the 1st 3 months. At the end of last month when I got my statement it came £980.28 so I paid the whole lot off to avoid interest. Or so I thought! Got my statement for this month and I've been charged interest of £4.23 which I don't…
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Been sent a credit card without asking for one??
Hi, please can somebody help me out, yesterday i was sent a PIN number from bank of ireland for a credit card that I have not requested! Today the credit card arrived, and I have tried calling BOI to find out why they have sent me this, they refuse to answer anything without taking detailed security infomation which I am…
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credit card or loan?
hi my wife & i are wishing to try for a baby, which will unfortunately entail us forking out a load of money, at least £4k. therefore, i would love some advice as whether to go for a credit card or loan for this?:confused: household income is <£10k all help gratefully appreciated thanks
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Balance Transfer Dilema between 2 cards
Hello, I am a new to this forum but would like your expert advice on the following please. I have two new cards. Halifax mastercard and Goldfish now called Barclaycard goldfish. I would like to transfer a balance from Abbey Zero Credit card , £3,800 but not sure if i should split this between both the Halifax and Goldfish…
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Capital One / Capquest Help Please!
Hi, I am pretty new to this so I am sorry if i have posted this incorrectly. I had a credit card with Capital One which i ended up being unable to afford. The card was defaulted and i then arranged a payment plan with who i thought was capital one. i pay £48 per month and will have the debt cleared in a little over a year.…
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Section 75 - Tricky One
I purchased an LG Plasma TV from Makro (Trade Wholesaler not Retailer) for £799 14 months ago. TV has broken down - main processor has gone (probably faulty manufacture) and TV only guaranteed by LG for 12 months. Not worth the cost to repair it. Makro don't want to know as they are a wholesaler and therefore not subject…
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AMEX balance transfer
Hey guys I transfered a balance to a new Amex card a while back to get some 0% interest. However this period is now over and I seem to be finding it hard to find companies that accept AMEX to transfer the current balance. Any idea's of who I could try? Thanks
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Claiming under Section 75 - need advice
I have a problem & am not sure which way to go next: I paid for a course of 8 acupuncture sessions on my credit card in May this year at Dr & Herbs in Derby. I have had 3 treatments + a free intro one but then went on my hols. When I called into the shop for my next treatment only to find the shop had shut down. They owe…
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Help - interest free period coming to end - can't get new deal!
I have a month to go on my Mint card's 0% deal and have been looking for a new 0% card to move my horrible 6K + balance to. I have now been rejected by MBNA and been given a very low credit limit (£500 ) by Citi. I'm worried that if I put in too many more applications my credit report is going to look too bad. I have an ok…
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Please Help...
We have 2 HSBC credit cards. Recently I tried to get them to lower the interest rate on one of them (mine) and they refused. Now I find they've jacked my rate up even higher (22.9%). Our credit is bad, so no way to transfer balances. We have no problem paying the minimum and a bit more, but this just really chaps my hide.…
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MBNA interest charges - small print con!
My understanding is that if you use a credit card then at the end of the month you pay interest on what you owe - simple enough??? No....I was not aware and I don't know if it is just with MBNA or all credit cards that it works like this..... Ok I will use my example to explain...I run a small home business and use an MBNA…
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which to pay off first
I have several credit cards. They are all about the same rate of interest. I have one that is over £11,000 and 3 others that are at various levels. Should I pay off the other smaller ones ( a psychological advantage) or should I reduce the large one and reduce the interest paid but still have 4 cards outstanding. Your…
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With Virgin ? This may help !!
How to get a cheaper rate on your credit card...this worked for me with Virgin... Provided you have a good credit rating....set up an application with another card company with at least as good a deal as you are getting with Virgin...once done..telephone Virgin and tell them you want to cancel the card...they will ask you…
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Microdirect Refund Advice
Hello, A few months ago I bought a FreeView box from Microdirect, as recommended by MoneySavingExpert. It was a great deal - about £40 - but unfortunately I was sent a faulty box. I therefore arranged to return the item, which was no problem, and asked for a refund. Microdirect agreed to give me a refund in an email on the…
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My HSBC 0% CC Deal is coming to an end...
In December/January. This is the first time I have had a 0% card and just wanted to check there is no trap after the 12th Month i.e. The card will revert back to x% and I will be caught paying full interest, for the month, on the 13th month? Thanks Philip
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One small/old default - credit card obtainable?
Hi there, I am new here and was wondering if anyone had some advice for me based on their own experience. I have one small default (£83) on my credit file which is satisfied and due to come off in February 09. I have 5 small credit accounts, all of which are always paid on time and more than the minimum payment. I would…
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Is it possible to negotiate lower % rates for an exisiting balance?
My friend has a Citi Platinum card with a substantial balance. He is always on time (at least min payment) and no adverse credit record, however I was really surprised that he is on more that 30% as standard rate. (isn't this extortionate?) I told him to call them and threaten to move the balance elsewhere unless they…
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Want to Change My Visa Card - Any Helpful Advice?
Hi Friends! We have VISA Card and I want to change the name from this card of ours' to other so please tell me how it is possible?
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Using dormant Barclaycard for first time - will they check my current credit score?
I got a Barclaycard in 2004 as part of some stupid student promotion (you got a free popcorn machine if you signed up!...) cut it up as soon as it arrived, and did the same with the replacement card they sent me earlier this year. I think my credit rating now will be pretty bad due to repeatedly going over my overdraft…
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Buying electricals abroad.
I'm planning on buying a camcorder whilst in the States (and declaring it on return). The problem is I'd like to buy a Canon one and I've noticed Canon only provide warranty cover inside the USA for purchases made there. I was wondering if Section 75 covers faults which may develop once I'm back from my holiday, as I don't…
