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NatWest Yourpoints -site down
I've been trying un-successfully to log on to the Yourpoints site for a couple of days. Today I tried calling their customer service people : after waiting for a reply for 3 minutes (very poor response for an 0845 number), I was told "we're improving the site, IT advise us it won't be back up till Monday". Does anyone know…
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Credit card question
I have an egg credit card and i pay the full amount by direct debit each month. I do this to improve my credit rating. Am i getting charged anything to do this? Or will i only start getting charged if i make minimum repayments. Cheers.
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Will this affect my credit rating??
Hi all, Hoping you can advise me - My good friends at Capital One changed my credit card number as they 'had been advised of fraudulent activity on a number similar to mine'. I got sent a new card and just carried on as normal. I have just recieved a letter from them stating that my DD payment to them bounced for October.…
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Amex Platinum Credit Card anomaly
Some two months ago, I successfully applied for the Amex 'platinum' card and started using it to get the 5% cashback. As most folks will know, Amex promote the card online and on TV with the 5% cashback being the prominent feature (or magnet). However, what some folks won't know (and I never knew) is that when you get your…
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no fee balance transfers?
I have a Halifax card that had a 0% offer on purchases for 18 months. That offer is about to expire in January. I have a £3,300 balance on it. I could pay it off if I had to, but that would require cashing out an ISA. I'm reluctant to do that, but if it means avoiding paying interest on the debt, then I will. I've been…
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MBNA rip-off
I made one money transfer into a MBNA credit card using a promotional rate of 0% until October 2008. In August this year I received a call from one MBNA Sales person offering me another deal which I accepted. This time I had had to pay a fee of around £100 and the money would be interest free until May 2009. When it came…
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how secure are chip and pin cards?
I had believed that your card cannot be used without the pin except for online purchases, even then most card companies have introduced passwords for buying on line. I have just returned from Prague after a break. I used different chip and pin cards whilst there. Perhaps only 50% of the time was it treated as chip and pin.…
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Morgan Stanley to Barclaycard
If you are one of the people who had a Morgan Stanley cashback credit card which has recently been taken over by Barclaycard it may be worthwhile contacting them. I had a couple of other Barclaycards which I'd either never used or used once so phoned to cancel the ones I didn't use - they offered to double my cashback rate…
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CC Claim for faulty goods?
Hi all, I bought a pair of Ugg boots when I was in NY from Bloomingdales. I have worn them 3 times and they are faulty, Bloomingdales are being very difficult about replacing them. I bought them on my Abbey Zero card and they cost £100 ($177.44) and I just wondered if Bloomingdales don't help do I have any cover with…
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Sainsburys Visa changing to mastercard
Hi All, First post on this board. Just received letters today to say that my two Sainsburys Visas are being changed to Mastercards. I pay off both balances in full each month so no worries there, but I do tend to make big purchases as necessary on cc's for the Visa guarantee and I'm not sure if this is affected by the…
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Unauthorised credit card withdrawals
Has any else experienced problems like this.... I had a moment of madness and decided to register for foxy bingo just to experience it.....I was only going to spend £10 so i completed my credit card details and loaded £10. I played and suprise suprise:rolleyes: lost it all....anyway it was fun and I am glad to say I not…
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MBNA Stopping interest request
hi,i currently have a balance of £5800 on my card,i have bad credit rating,and work is drying up as i am self employed in the building game,if i plead with the company to stop the interest ,or can i pay x amount per month will they co-operate.any help would be greatly appreciated
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Finance transfer to credit card
I have a car bought on finance at a really high interest. Can i transfer this to a credit card with the 0% on balance transfer option, or is this option only for tranfers from credit card to credit card
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Cahoot Credit card showing a "reserve" balance
Hi all I have looked for any posts on this but cannot find anything. I had a balance of zero on my credit card and chose to place a sheilas wheels insurance policy payment against it. The policy amount was £152.35. upon checking my balance Cahoot are showing a balance of £304.70. the transaction is listed only once in the…
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Can i get a refund for a laptop bought on Finance?
Hi, I wasnt sure if this was the right board to post this on. I have just bought a laptop on Finance from Currys and the thing is useless, very slow and not at all what i was expecting. What can i do about getting a refund? I bought this about 4 days ago and have only paid £60 so far (a deposit) nothing has been taken from…
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Capital One "default sum"
Hi Received a letter today from Capital One saying they were charging me a "default sum" on my account This is a card with a tiny limit, so easy to creep over every now and then. Generally its settled each month, some months I have to use it, and sometimes I go over, though I can't recall missing payments, and certainly…
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Out of date credit report information within Experian
I was hoping someone would be able to give me advice on this. I recently tried to apply for a loan through 2 companies and got turned down. As a regular payer on any cards/loans, I ran a credit report through Experian (the rating agency the company used). Although I had paid off, and closed out a few old credit cards,…
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AMEX cardholders - anyone else getting lots of phone calls?
I have an AMEX moneyback card. Is anyone else receiving lots of phone calls from AMEX? I had six separate calls yesterday evening trying to sell me something. So far I have had one tonight. When applying for cards if there is an option to not be contacted, I always tick the box. I have had this card since May and have…
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break on interest
Hello everyone, I've heard being mentioned on the main site and here, negotiating with credit card company's to get a lower interest rate on debt. I would like to do this if poss, as i have about £2500 on credit cards all on about 26.5 percent, with mint and barclays. I have also tried getting other better rate cards, but…
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which address to use?
Basically I dont think my credit score is that great (although i have checked experian and only have one card which i missed payments on). any how, i have applied for various credit cards over the past few months and loans in order to consolidate my debts to a lower interest rate or 0% balance transfer, but have not been…
