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American Express
A few weeks ago i got an Amex card with a 5% cashback for 3 months. I plan to buy everythg on this card (for 3 months anway) Today i got my first statement which was for £111.85 and i rang tonight to pay it over the 'phone. However, The money back summary says Eligible Spend £2.26 Total Eligible Spend £2.26. now its not…
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Interest Rate Increase
i recently received a letter from m&s money telling me they were raising the interst rate on my credit card. as i have not spent on it for a while and am paying it off this is increasing the amount owed. ( i.e. my balance was built up at X% but is now being charged at Y%) my wife has just received a similar letter from…
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Monument card
Evening all, I've just applied for and been accepted for a monument card. :D I realise that it's a poor card in terms of interest etc. however I have a poor credit history (albeit fairly old now) and no current credit - so I found it difficult to obtain credit at all. I'll be using this card purely as a means of building a…
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Dell laptop purchase - options available to me?
Hi first post here! not sure if this is in the correct area or not? Can you please tell me in general terms what my rights would be in the below: I Purchased direct from Dell (for around £532) an XPS 1530 laptop using one of my credit cards in May this year (with the basic default warranty) - invoice is dated 20th May…
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AMEX 5% Cashback - Includes Foreign Transactions?
Hi, Does anyone know if items bought in U.S Dollar with the American Express Cashback card qualify for the 5% cashback if bought in the first 3 months of having the card? (obviously they will charge a % or fee for foreign transactions)
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Beware of repayment protection policies on credit cards particularly Virgin 0%
Just a warning to anyone who takes up the Virgin 0% on balance transfers as I did. At the time I decided to take the repayment protection policy as I was unsure about it I needed it on my balance transfer. A couple of months into having the credit card I became aware that I didn't really need the repayment policy which was…
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MBNA Problems
My apologies if there is already a thread relating to this - if there is, maybe someone could point me in the right direction. I have had the same MBNA credit card for over 10 years. My circumstances are continually changing. My MBNA card was due to expire at the end of October. By mid October when no new card had arrived…
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A really stupid question re Virgin 0% card!
Hi! This is my 1st post and it is such a stupid question I can't believe I'm asking it!! I'm trying to fill out the online application for the 0% Virgin cc and I'm stuck!! One box asks for gross annual income (don't worry, I know what that one means!) then the next box asks for total household income and that is the one…
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Minimum Payments with MBNA: Has your card been affected?
What's happened? Many Moneysavers are receiving letters saying their credit card Direct Debit's being dropped to just the minimum repayment, especially from MBNA cards (inc. A&L and Virgin). This could be a really expensive thing for some borrowers, possibly adding £1,000s to the cost of paying off the debt. If you have…
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Experian Free Trial
I've just paid off my Barclaycard, which I have tarted the 12months 0% purchases on, and closed a Halifax Mastercard account. I'm planning on keeping hold of the Barclaycard. Out of Curiosity (as I will be applying for a Vodafone account next week) I was looking at taking advantage of Experian's credit report 30day free…
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closed credit cards
does anybody know if i can claim for charges if i have paid off my credit card and it is now closed but the charges were in the last 6 years ?
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closed credit cards
does anyone know if i have paid my credit card off and it has been closed, can i still reclaim charges from the last 6 years ?
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Advise please
Hello everyone Can anyone tell me how good is Barclaycard Platinum Credit Card with Purchase and Long Term Balance Transfer please? I am looking for one with longer 0% purchases.I heard that the Halifax one takes too long to arrive and I am looking for one in 2-3 weeks. Thanks a lot S
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Financial Associations on Credit Files
Hello all, Is a financial association on a credit file generally seen a good thing? I'm filling out forms for Equifax and Experian, to get my credit files from them, and I have the option of putting my partner's details on it. In the past I've stayed clear of creating association (so no joint accounts for example, we have…
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Can I use Section 75 to claim my money back?
To cut a (very!) long story short, I bought something to be sent to my parents who live abroad. Before making the order, I checked with the company that they would be able to deliver to where my parents live, and they said it would be fine. A couple of weeks went by and we called to ask where the package was. The courier…
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Looking to build a credit rating
Hello Just turned 18 a few months ago and looking to build some credit rating Should I apply for a credit card or maybe go for a contract phone my father's profession is an accountant and I understand the value of money. My father thinks I should go for a contract phone and not get a credit card. Thoughts?
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Credit rating/private landlords
I am about to enter into negotiations with my credit card companies, either directly or via the DCCC, to look at making my credit card payments more managable. I have always managed to find the minimum payments, and still can, but the interest rates means that I am making virtually no progress there. If successful, I am…
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Credit Card Charges
In Brief My credit card company has started using a standard charge for going over the limit. £12 but THEY TAKE A FURTHER £12 NEXT MONTH AS WELL. I went over my credtit limit( for the first time) and got a letter, I sorted it out promtly and phoned to let them know. They told me there would be a £12 charge for going over.…
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Best 0% purchases card
Dear All I need some advise please. I am looking for a credit card for purchases with 0% interest for about 9months. Barclaycard Breathe do not have the offer anymore as of today! so they adviced their platinum credit card with purchase and long term balance transfer- but this card doesnt feature in any review…
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Credit Card vs. Loan - which is best for spending?
Hi all This may be a stupid question :o but am I right in thinking if I want to borrow about £2000 over 24 months i would be better off getting a credit card with a long term low interest rate (i.e. Barclaycard Simplicity at 6.9%) is better than getting a £2000 loan at a 7.9% APR? As I say, it seems obvious to me that the…
