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Skycard/Barclaycard suddenly & dramatically reducing credit limits?
I have a SkyCard which has had a £0.00 balance for ages. On 9th December I called and did a balance transfer of a £3000 onto it at a promotional rate of 0% for 6mths. On THE SAME DATE, SkyCard reduced my credit limit to £500 and sent me a letter advising I need to bring it back within the limit. I called to complain, my…
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Best Credit limit on 'undesirable' credit cards
Hi, as posted in the best balance transfer thread, i have a bit of a problem. I have £1300 on a barclaycard at 19.9% and £630 on a barclays fexiloan at 11%. I would have liked to transfer these to a 12 month 0% as i could easily clear it in that time, but due to a default from British gas (already moaned about this before,…
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juggling the cards
Hi all I have two 0% credit cards on the go at the moment and owe £4000 with Barclaycard and £9000 with Virgin Money that I pay the minimum on....£100 to Barclaycard and £25 to Virgin! (yes I know...but right now it's all I can afford) I also have an Egg money card with a zero balance. The Barclaycard runs out in April and…
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Paid off CC in full, then interest added afterwards?
Hi Money Saving Experts First post, which I hope is on the right place and not a repeat (couldn't spot anything similar) but was after some opinions from you all. I cleared my Halifax CC balance last month in full. I've had a couple of hundred pounds on there for a couple of months, made a £50 payment as usual and then…
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cash withdrawal
i need to withdraw £3500 from my natwest credit card as a temporary measure. i know there will be cash advance fee but can i even withdraw such an amount? can i do this in the bank? thanks
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PPI letter from egg???
Hi has anyone else had a letter from egg saying the FSA have reviewed and you may be entitled to a refund of the PPI if it was missold? im a litle confused about it really
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swap cash withdrawl over to 0% card
I need £8k cash and am looking at various options, of which this is one.....so can someone please tell me if my 'theory' stacks up? Scenario: I have a lloyds credit card, zero balance, horrid APR%, and £4k limit. I also have a Virgin CC, £10k limit, 0% transfer rate for 16 months for all balances transferd within first 60…
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Virgin Credit Card should be 0% int... now charging??
I am submitting this thread on behalf of my husband so apologies if the details are quite sketchy as this is usually his department. We changed our credit card to a Virgin card from HBOS One Card due to 15 months 0% interest on balance transfer and 3 months on purchases. However we have been charged interest this month and…
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AMEX cashback question.
On my statements it shows 'total eligible spend' for cashback. It seems to bare no resemblance to my actual spend in pounds. Is there anyway to work out your cashback amount from this eligible spend figure. Cheers
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Refund of Interest charge - who pays?
Hi, Egg recently tried to take a direct debit from my current account which failed. They have stated the reason it failed is because the card had been dormant for over 13 months so my bank would have cancelled the direct debit. Sure enough my bank have said the reason the direct debit was rejected was due to no valid…
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Successfully getting a chargeback...?
Has anyone managed to get a chargeback on a Visa CC? I have been in communications with my card provider (HSBC) for weeks about trying to get a chargeback for something I paid for on the web which never arrived. They just seem to keep asking for the same information again and again. Is this a purposeful tactic so that I…
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3.8K CC balance - 6K salary - Ideas?
A friend of mine is a bit stuck regarding his credit card balance of about £3.8K as he only has a salary of around £6K. (He lost his other part time job recently) The credit card is Thomas Cook rewards platinum plus It is now a plain old MBNA card held for 10+ years with a limit of 4K He says he has been paying the minimum…
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Unauthorised transaction on Credit Card
I signed up to a 3 month subscription to a magazine at an exhibition - the offer was 3 issues for £3. In addition I was offered 2 dvds for £10 and from memory i think that they would only accept credit cards, so paid for these items by credit card. I had to complete a form for the 3 month magazine subscription, but was…
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closing credit cards
I have a HSBC credit card and a Halifax one. Could you tell me how I would go about closing these cards as they have £0 balance on them. Any phone number to ring or address to write to? thanks
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DEBIT Card Charges
I recently bought some travellers cheques from thomas cook on my debit card and got charged a hefty fee for using my card, when i put my PIN in the machine there was no mention of a fee to be paid and the amount on the machine was what I assumed I would be taken from my account I was hoping moneysavers might be able to…
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19 year old Son applying for credit card
Can some one help out with this one my son of 19 is receiving a RBS credit card soon £1400 LIMIT if he was to fall behind or default, could my credit rating be affected, we share the same name and address, 27 years differance I am afraid. :confused:
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Lloyds TSB Platinum Card
Hello, Sorry to appear thick but I wonder if someone could tell me whether I am missing something here. I have about £6000 on two credit cards that I would like to transfer onto a 0% credit card (I know there is a fee of 3%). I have an excellent credit score and always pay off any outstanding balances on cards apart of…
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Credit Card Interest
I am currently on a debt management plan with CCCS. Only one of my creditors (11 in total) has refused to freeze the interest on my account. I have paid over £4000 in interest so far and am getting severely annoyed with their lack of compassion and greed. I see people getting debt written off with Bankruptcy and IVA's, yet…
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Balance transfer to another credit card that is in credit!!
I have a loan which I want to pay off. I have nothing on any credit cards now as I have paid them all off. I have been told by Barclaycard that I can have a 12month 0% Balance transfer but they will not transfer into my current account. Does anyone know if I can do a balance transfer onto another credit card, making it in…
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CC Charged although goods not in stock
Can anyone help i purchased some items from a company for christmas website said they were in stock, however got email a few days later to say items would take approx 2 weeks as they weren't in stock, said fine, i can wait 2 weeks, however on checking today they have taken payment for the all items despite not having them…
