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Minimum Payment Query
I have set up my RBS credit card to have the minimum payment every month. Should they take enough to make sure that I do not go over my limit? For example, my limit is £1000 and i had a payment taken off. The interest for the next month was then added on and took me over the limit for which they charged me £12 overlimit…
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Problems with Barcley Card
Hello all, I really need some advice.Last year my then girlfriend (now wife) got a phone call from a company acting on behalf of Barcley Card about settling her dept (£1200ish).Now i had only been with her for 1 year and had nothing to do with the dept i have never had a CC or even taken out a loan,anyway we haggled dept…
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Virgin CC balance transfer question
Hi, Just wanting confirmation that my maths and assumptions are correct. I have a citicard with £4200 on it fixed for life of balance at 5.9%. I pay just over £105 a month and they charge around £21 a month interest. I am considering applying for the Virgin card which offers 16 months interest free with a 2.98% balance…
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Lloyds TSB customer? Concerned about security?
During the last year or so, myself and my wife have been victims of credit/debit card fraud on four different occassions, totalling nearly £4000 of fraudulently obtained goods or cash. This is unfortunate, but is not uncommon these days and many people have also suffered in this way. On each occassion the bank or card…
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Chargeback issue,need urgent help
Hi I have a online shop,a client use Credit card to payonline then ship, but after he received the goods,just simply chargeback the payment before notify us anything, and now he has our product on hand and didn't return to use but chargeback the pay. I sent many Emails to him for the issue,ask what is the problem ,he…
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Is this illegal by Capital One?
Capital One (Mastercard) credit card I have noticed on my last three credit card statements that no date is given by which I must send in my monthly payment. Capital One used to be very good at pointing out on the statement the dates by which payment (by different methods) should be sent so that the customer was in no…
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New Tesco Clubcard Deal: 0% for a year
In my local Tesco this afternoon, I was offered a new "Tesco Clubcard" Mastercard with 0% for the first year on purchases, 0% on balance transfers for the first 6 months, and a bonus of 500 Tesco points (worth at least £5) when you start making purchases with the card. :j Even though I already have a Tesco Visa card, it…
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Virgin Credit Limit
Hi I'm looking at applying for the Virgin Credit Card to get the 0% rate for 16 months. I want to use this to pay off a loan I have, by transferring the amount to my current account. However, I will need a credit limit of at least £10000 or there is no point in me getting the card. I can easily afford my current loan…
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American Express Platinum application ... grrr
Have tried several times applying for one of these credit cards to get 5% cashback over Christmas, but everytime I get to the REVIEW section, I click "Next" but it just stays at the same section for no apparent reason. Has anyone had similar and found the way round it (if there is one) ? Thanks :-)
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End of zero percent interest period
Hi Guys, Normally I'm on the Mortgage forum but I could do with your thoughts on this one. I took out a virgin zero percent for a bit of stoozing at the end of last year and that period is now ending soon. I have repaid all but a few hundred quid and was a little bit concerned that if I let this small amount go into the…
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GE Capital Store Card Debt
Hi, I today received a letter from Thames Credit informing me that Aktiv Kaptial First Investment Ltd has bought the interest and debt owed to GE Captial Global Consumer Finance Ltd. I am actually quite shocked as I generally manage finances very well, if I get a statement I pay it. I have requested further information,…
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Credit Card Charges - Offer Without Telling Me Charges
Hi I applied to Halifax to get my credit card charges back, and they have offered me £120 but have not told me what my charges were or supplied me with any information that I asked for in my letter to them, they say this is a 'goodwill' gesture, and near xmas this is tempting, but has anyone else had an offer like this, as…
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Two cards from the same group (MBNA)?
I have been invited to apply for a 0% balance transfer card from the MBNA group (A&L). My partner already has a card from a different part on the MBNA group. Therefore I am wondering if I am likely to be accepted or not? I don't want a wasted search on my credit file. What do you think? Thanks
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Sooo confused. Need help from seasoned credit experts!
I was brought up to believe that credit = bad and saving up and paying in cash = good. This meant that I ended up without having hardly any credit history at all because I put everything on my debit card and never ran up an overdraft. It was only when I went mortgage shopping that the mortgage advisor told me my credit…
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Getting the run around
Hi All, Well I noticed on my Credit Card bill that they took a direct debit out of my account on the 19th Nov for £15.44 yet according to my online banking and to the bank no money has left my account, the direct debit has been set up and shows in my list of payess yet the bank tell me to phone the credit card company, and…
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Amex Platinum cashback
Is it possible to pay off monthly bills, elec, gas etc using this or any other card? Seems too easy to make money to me doing it this way.... Not sure if the utilities will allow this. Anyone tried?
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Next Directory
is it possible to get a Next Directory without being credit searched? If not, which CRA do they use and how strict are they?
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Equifax/Experian
how long do credit searches remain on your file?
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I need a visa or mastercard to buy overseas medicine
Hello, As the post states I am in need of a visa or mastercard to purchase two medicines, 'DHEA' and 'Isocort', both unavailbile in the UK but availible in the USA over the internet. They may be availible under a different brand, but that is not what I am looking for. I have already made purchases on my dads card (with his…
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Barclaycard and Lowells
Hello All JUNE Started with letters and phone calls off lowells saying I owed £2350, an old barclay credit card debt that was originally £1000. I made the mistake of getting in touch and paying them £100 off the debt, we arranged to pay off £50 a month until it was cleared. JULY They said pay us £1500 settlement figure and…
