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a suggestion for the credit card company regulators
i was checking my credit card balance this morning and just had a lightning moment. in every statement, we are told by the credit card companies what our minimum payment is. but what i would also like to see is how long it would take to pay off the debt if we were to pay the minimum amount monthly. something along the…
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Credit Card reclaiming transaction problem
I was wondering if anybody could advise with regard to a problem I have with a RBS credit card. I recently used the World of Warcraft/Blizzard entertainment website to make a subscription payment. Having made the first payment I was advised by the web page that my card number was invalid. As a result I retyped the details…
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best deal
Hi, i know Martin has a lot of advice on best cards, But what do you think. If you have £2000 on a credit card, what do you advice for balance transfer and poss: 3months interest free, what is the best one Thanks.... Oh and merry xmas :T
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DFS Credit
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AMEX Lloyds air miles card
I got well and trully stitched up by this crowd... My own fault for not reading the small print, but I bet they make a pile of cash out of this one... My October statement was 1700.85p So I did my usual online transfer, but I only paid £1700.... It didnt occur to me to pay the odd coppers.. Today the Novemeber statement…
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Reducing Credit Limit on my Credit Card or close? - Good move?
I have 3 Credit Cards and want to apply for another in April and close 2. Nationwide Barclaycard Capitalone Now the barclaycard is coming out of its 0% deal in April. At this point I will want to apply for a new 0% card with another company to transfer the balance to it. I am thinking of reducing my £5000 credit limit on…
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New Year Resolution - Make more but spend less !!
A whimsical post here. A credit card new year resolution. I'm going to make more from credit card use, but spend less...... Over the past few years, my credit card spend has gradually risen. Mostly due to getting cashback, or using interest free periods to my advantage. However what this has meant is a steady increase in…
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M&S freeze card when it's their fault
Husband got a call on sunday from M&S (& More). They failed to collect our direct debit so have frozen our card and (Indian supervisor) say they do not have the authority to unfreeze it until the next payment is in. Of course they are also planning to charge interest and a £12 late payment fee. We recently moved bank and…
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Re: Declined but excellent credit? Unsure Thread
Hi there, I have an excellent credit rating according to experian/equifax online (callcredit) and capital one have just increased my limit. However when I applied for a new credit card with my bank, Halifax they declined straight away reffering me to my report. I've since complained asking for a reason as the report is…
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Amex - Pleas Help!
Hi hoping you guys can help – I have today (23/12/08) received a Statutory demand dated 18/12/08 for a debt to amex from a solicitors – I have previously asked for my cca (15/10/08) and get a letter back dated 01/12/08 saying “we enclose a copy of your application and conditions, which together constitute your agreement” –…
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mortgage company searched my file three times?
We're trying to remortgage and I noticed on my credit report that C&G have searched three times, twice on December 5 and once on 17. Why would they search that many times, and is that counted as three separate searches? I'm wondering because I need to apply for a new BT card shortly and I'm worried abou tht enumber of…
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Is this a good Idea?
Hello all, I'm in need of cash at the moment and want your opinions on my plan? I have an M&S CC with a limit 5500, and balance on it is 0 at the moment. I would need around 850-1000 pounds. Plan is that, I will buy euro's from m&s buereau and convert to sterling and use the cash. since it is classed as a purchase, I won't…
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Virgin Money
Hey guys, Don't know if anyone has a Virgin Money card but I have found out that they no longer do fixed direct debits (they never actually told me until I heard when my next payment was to be taken out and the IVR told me it was half what I usually pay) and therefore I have to send a standing order for the remainder which…
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M & S card charges from old store card
Hi, New to the site so probably had this question before. Used to have a M&S store card and they had insurance on it each month can this be claimed back as it seems to have been compulsory thanks :eek:
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store cards- default notice
Hi, I accidentally spent £15 over on my store card, and in this month's bill i received a default notice. will this now affect my credit rating? will it affect it a lot and for how long? Thanks
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Refused for a Credit Card - why would this be?
Hi everyone, I am currently in about 5k of debt on two credit cards and an overdraft. I no longer use these and am overpaying significantly to get them paid off. Recently, I applied for a Tesco Credit Card that had a 0% balance transfer deal, simply to move my debts onto. This was the first credit I have applied for in 2…
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Barclaycard
Do credit card companies perform a credit search on you when you apply for a balance transfer as an existing customer? The reason I ask is that I emailed Barclaycard recently to enquire why they were offering a 6.9% life of balance to existing customers on their website when their customer services said that no promotional…
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Transfering balance Newbie
Hi all, I got a credit card about 2 years ago. It was for petrol only and insurance on my car\motorbike. However it got used for odd little things and it eventually got to about 3200 of a £3.5k limit. So i was getting a new bike helmet and a new car and a loan was taken out to get these things and pay off a big chunk of…
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someone has charged over 100 £1 vodaphone charges to my Visa account
Which my bank have just rung to tell me about. I'm wondering a) how they got my card details b) why use it in such an obviously suspicious way? It's the card we use just for housekeeping, all the groceries & petrol go on it, but nothing else. It only gets used on t'internet once a year, for our xmas Sainsbury's online…
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Problems With Egg
Has anyone else had problems with Egg putting security stops on cards this weekend ? It started on Friday, I ordered something from John Lewis, get a call back 2hrs later to say the card had failed. Phone Egg to find out what was happening and they say there was a security stop on the card but can't tell me why. After a…
