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buying xmas gifts online
I want to buy all my xmas prezzies over this weekend online as I usually do. But this year I only possess a Solo Natwest debit card and no credit cards. So i have asked my mother for the use of her credit card so I have some protection for the purchases and give the cash on Monday. (She will pay bill staright away, so no…
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What Credit Cards that charge crazy high apr after 0% offer ends??
Heard on the news that some customers with MBNA have come off their 0% Balance trasfer off to be faced with 34% on their oustanding balance! My question is what other companies do this? I'm tarting at the mo and have a barclaycard BT that expires in Apr 09 and a Capitalone BT that expires in December. Should the worst…
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MBNA Payment dates moving!
Back in the summer MBNA sent us a letter to say they were moving the payment date of our account (I think it was a general letter, so it was the same for most people). However, over the last few months this has become a joke. In September it was 7th of the next month (Oct 7th), which was fine as I always pay on payday -…
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Asda card from GE rubbish service
I have just put the phone down after speaking to a customer service operative because I could not access my account online. 15 minutes waiting for Mumbai to answer then " I will put you through to the relevant department". The next operative tells me there is a block on my account because I reported a suspect £30 debit on…
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Help!
I currently have 2 credit cards, both maxed right out. One has £3700 and I am now paying interest on it as no company will give me another card to be able to transfer the balance. My other card has £2500 on it and I don't start paying interest on this until April. Can anyone suggest anything to stop me having to pay 14.95%…
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Overdraft or Credit card?
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Getting a credit card while on sabbatical
My 0% interest credit card deal is coming to an end, so I want to pay that one off out of my savings then find another 0% deal. Problem is, I'm currently on sabbatical from work until September next year, and I'm studying for a Masters. I have no real income but I do have a secure job to return to next year. Question is,…
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Capital One swindlers?!!
I recently applied for a mastercard from Capital One. Not only did I not get the deal I applied for - the 0% introductory offer is of similar duration but the interest charged after that expires is higher BUT the direct debit for the minimum payment was not applied. I went ahead anyways as Tarting works out cheaper than…
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help with my cancelled Egg credit card charges
Not sure if this is the right place for this question, so forgive me if it's not! I had an Egg card that was cancelled by them few months ago. I had trouble paying more than the minimum each month and the interest kept making me go over my limit, which they charged me for each time. I was just wondering if they can keep…
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Sky credit card credit limit cut ??
I had my credit card declined in 2 shops today ... Very strange as i had a 10k limt on this card and balance was 2k. After ringing Sky the had said due to the credit crunch they have re looked at all credit limits and reduced.... So mine reduced from 10k down to 2k !!!! Is this right has anybody else had this happen ??…
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MFI Kitchen by TWO CARDS
Hi All, Paid just under £4K for my yet to be delivered / may never be delivered kitchen from MFI. I paid £500 on my SKYCARD (mastercard) and the rest on my HALIFAX ONE CARD (mastercard). Am i right in thinking that I claim the amounts off each card? Still waiting to hear if I will or will not get my kitchen but not holding…
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lost my interest free creditcard promotion SOMEONE HELP
HI only last month i did balance transfer, and paid a fee for it. i thought interest free means i do not pay anything. after my 1st month i have lost all my promo and got charged loads on top. i never got told i had to pay minimum, if i had known then i would have paid. is there nothing that can be done? i am really upset.…
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apr and monthly interest
I know this is proberbly an often asked question but how do you convert a monthly interest rate to an APR? Is it as simple as multiplying by 12 ( 12 months per year) or is it more complicated.
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Refused for credit card... why?! :(
Hi- Just applied for a credit card for cashback on wepromiseto, but they rejected me, and now I'm worried I have a bad credit rating! I'm pretty sure I'm on the electoral roll, have no debts, and have never had debts- I'm only 18 and so I've never had late payments or anything. I'm paying for internet through Virgin who…
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Orange accidently checked my credit file 4 times!
Now it has taken about a third off my credit score! It was 897, now it is down to 634. I applied to get a mobile phone contract a month ago, got accepted, and thought no more of it, then I applied for my first proper bank account with First Direct. Put the application in the post and then thought I should've checked my…
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Legal advice, please.
Apologies for a slightly long story... :o I recently had a problem with a company from whom I ordered something to be sent to my mother's house abroad. They assured me they could deliver to her address, so I placed an order and paid for international shipping. The item did not arrive with my mother, and the shipping…
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Can you explain what this wording means on my CCA?
FD CC: allocation of payments Payments received are applied to pay off the minimum payment shown on your statement, then the remaining balance on your statement, then any unstatemented items. Within each of these categories we will pay off any Balance Protector premium first, then charges and interest followed by…
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Accepted for a credit card, ok to get another immediately?
As the title suggests. I got accepted for the tesco credit card but still have debts on another that I would like to transfer to a 0% card. Would it affect my credit rating etc if I applied for another card straight away even though I have just been accepted for one? Or should I wait 6 months as the recommended time for…
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Egg Credit Card PPI Mis-selling?
Does anyone know whether Egg have been fined by the FSA for mis-selling PPI Insurance with their Credit card? I signed up for an egg card some years ago and was mis-sold the insurance and I'm in the process of reclaiming. If anyone has the answer this would really help with my claim. Regards, Bluto
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deposit paid by credit card protection
I am thinking about making a major purchase, 1200 pnds. The seller wants 600 pnds deposit up front with a 10 -12 week lead in time before he will have my order in from abroad where upon I would collect and pay for the goods. I not easy with this in the present eco climate and was wondering if I paid the deposit on my…
