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I was paid late - missed payment for credit card - what can I do?
Hi, I have been managing my money well since I realised my credit rating was a little low a few years ago. I hadnt missed a payment for 2 and a half years on any of my credit accounts. My company is struggling financially and as a result paid us a week late in november. My credit card direct devbit bounced but I realised…
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Teenagers and kids don't need Prepaid cards
Teenagers and kids don't need expensive Prepaid cards because they can have a debit card for free - plus it pays interest. 10 years old can have a visa pin and chip debit card account with Halifax. My 12 year old has one and uses it regularly in shops. Online banking too. Just make sure that there is not too much money in…
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PolyU Student Challenge
Gday Group, The Hong Kong Polytechnic University (香港理工大學） has held a competition inviting universities and highschool students across the world to participate. Participating students are given the chance to unleash their innovation and entrepreneurship potential through the events. It's also a great chance for participates…
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Card charges when booking flights
Is there any way of avoiding credit or debit card charges when booking flights? I just booked a return flight with Thomson and they don't accept cheques so they have you over a barrel every time at 2-2.5%. Can they accept cheques? Are there other ways to bypass this? L
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Unable to keep minimum payments on credit card
Hi, I have a M&S (Mastercard) credit card, which I've had now for over 10 years. In the past I have never defult on any monthly payments and have payed on time. However I am at present finding it very difficult in keeping up my minimum payments of around 60.00 (monthly). Is there any way I could get the minimum payments…
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Amex Cashback
Have been using the Amex for approx 3 weeks just had my balance e mailed me attempted to pay using my debit card on line and refuses stating that needs to be 30 days before payment... whats this all about ?
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Idiotic Mistake...i need help (Credit Card scam)
Ok i was tricked into signing up to a 'dodgy' website, i immediately cancelled the subscription through a website called Adinhelp.com. Through further investigation on the internet i found that the adinhelp website was affiliated to a number of other websites which attempt to also charge credit cards subscription fee's. I…
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Anyone got tips to get MBNA to reduce APR?
Hi all, As above, I am looking for some tips (if there are any) on ways to get MBNA to reduce my interest rate! It is 34.9% BUT they have closed my account. It is NOT because I am a bad payer, in fact I have never been late on any payments on anything. The credit card was affliated with a football club - MBNA decided to…
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Credit card in Jamiaca
Hi I am going to Jamica in February. The resort I am going to uses $ which is the best credit card to use with the least charges if using dollars. Thanks Penny
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Watch Out.. New Credit Card Scam
http://www.personalfinanceclaims.com/ This scam company is claiming they can get back various amounts of money from each credit card that you have if taken out before 1st April 2007, supposedly due to flaws in the contracts.. Perhaps Martin could look into these "flaws" and decipher the true reality or prove that this…
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Mbna & Rma
Hi all I owed MBNA a few quid, missed 3 payments due to illness. I received a card from RMA telling me that I owed MBNA money and had to pay them? I phoned MBNA and asked to pay of my credit card in full, they said I could only pay £500 over the phone and the rest would have to be paid either by cheque or online. I paid…
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Addresses for Credit Reports??
Can someone please advise me on the best way to get my full credit history as I am willing to pay over and above the £2 if that is needed. I have read through the general credit report thread, so my questions arise from that. I am presently a full-time student, with a modest 0% overdraft plus student loan for tuition fees…
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bank say i can't claim charges back
I'm not too sure if this has already been answered but I claimed back my charges 17 months ago from my bank and I've had an unbelievable amount of charges since then. The bank say I can't claim them back because I've already done it so all the charges I've had since then are just too bad. Is this right, or can I still…
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should I do a BT?
we are in the process of paying off all our debts and feel quite proud of myself that we have paid £10k off in the last 6 months (shows just what can be done with a bit of hard work eh?) Anyway, Barclaycard have just increased my credit limit by £1300 (how generous!) so I am assuming my credit rating is obviously back on…
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airmiles amex refund
Hi everyone, On my new amex lloyds card they state that if a purchase is refunded to the card then the airmiles earned by that purchase are withdrawn. Has anybody had any luck in purchasing an unwanted item on an amex, gaining the airmiles, then having the purchase refunded to a different card? Are shops etc permitted to…
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Clearing debts with credit cards help
Okay, i need some advise, i realise this is probably disscussed alot but i have a certain amount of debts built up on one CC, now i've only ever held one until recent and did this to use the % balance transfer period of the new card, so aslong as i make the monthly payment i dont have to pay any extra interst, so now i…
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what to do first?
Hi all, just looking for a bit of advice... I want to claim back PPI for two store cards I've had for a while but don't really know where i'm starting!:confused: I've filled in the template letters, and got copies of my original contracts, but not sure if I needed to know how much I actually have paid in PPI. Also, it says…
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Cashback/Points Mastercard or Visa
At the moment I use my Amex nectar card wherever I can to get nectar points but I am a bit stuck when it comes to places that don't accept amex. I'd like to still be able to get some reward here instead of sticking it on my halifax one card which gives me nowt!! I have a household income of approx 27k but I am only 20…
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My Girlfriend
Last night my girlfriend informed me that her ex has told her that he has taken a credit card out in her name. She says he was drunk and was just saying things to upset her, but I want to be sure. We don't know the name of the credit card company, or anything like that, but is there anyway to find out if someone has taken…
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Credit cards for the Bankrupt?
Which credit cards can you get to help re-build your credit rating (or just for use) if you are still an un-discharged bankrupt?
