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High Interest Rate on Card
Hi all I've got an HFC Marbles card that is charging 31.9% interest on £6k... I called them last week to see if they were open to reducing the interest rate and they've told me that they sold my debt on and couldn't negotiate. I am not in a position to set up a new card or juggle my debts as I've had to temp since being…
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QQ on 0% purchase cards
I am having a silly moment and cant think properly. I have been offered a Lloyds TSB cc which has 0% for 3 months on purchases. I dont have any other debts apart from £187 I owe on my next account. If I take out this card can I use it to pay off the next account. In other words would that be classed as a purchase or…
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Barclaycard platinum contactles
Hi, just received my first ever credit card and it is a barclays platinum wave, now after having read up on this wave/contactless and fraud possibility i do not want the credit card my questions.. 1. would the bank exchange the credit card for card which has no contactless ability? 2. If they don't and i cancel the card (…
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Capital One estatements
Anyone 'use' their PDF estatements? I think they are a) huge and b) look like crap. I still get and scan paper statements which scanned at 300 dpi mono result in smaller .PDFs which are more readable (even smaller cos I can tear off the payment slips and throw away the last page). Does anyone think they look OK? using what…
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Query on credit card repayment
Hi Folks, I recently received notification of my Egg credit card statement. For the purpose of this thread let's round the statement figure to £900. Now since the statement was issued I received a refund to my card of £200, meaning that my account balance is £700. Leading to my question. Am i OK to pay the true balance of…
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Credit Card
I'm 18 in a few days, and want to apply for a credit card just to build my credit rating. I'll be paying it off as soon as the bill comes in. I'm with Lloyds TSB (current account) at the moment. I'm getting £5000 PA and currently in full time education (last year of college). Would Lloyds TSB accept me on any of their…
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question about A&L credit card
Hi, I hope the board doesn't mind me trying to filch some of their wisdom. I have a question about my A&L premier rewards credit card. I have a DD to pay it off in full every month. The next DD is due to be paid on 5 january, when I'll be out of the country. I want to pay the due balance manually online, beforehand, so I…
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What I want from a credit card is
A card that can only be used on-line and every time it is used an email pops into my mailbox and tells me. 3 times this year I have had fraudulent amounts show up on cards. I use mine online a lot, whereas hubby doesn't, and each time it has been my card which has been scammed. So I was thinking today that I would keep one…
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Bit of help regarding barclaycard goldfish card
Hi, i recieved my barclaycard goldfish card yesterday. I activated it and registered for online account management. when i logged in it said this card cannot be viewed and when i click to view my card details it gives me an error page. and also i keep getting the card declined when i tried to make a purchase online. i…
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Are the Argos delivery T&Cs legal?
This page (http://www.argos.co.uk/static/StaticDisplay/includeName/TermsAndConditions.htm) has the following clause:3.3 Risk of loss and damage of products passes to you on the date when the products are delivered or on the date of first attempted delivery by us. (My emphasis.) Can they say this? If you are not in, or…
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Halifax one credit card interest charge
My wife has a Halifax one card account which she has had for about 18 months. She had an initial deal on it for 12 months 0% on purchases which ended in April and was paid off with out any interest charges, Halifax then offered another 0% period on purchases which ended in October. On the October bill the the balance was…
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barclaycard purchase protection query - urgent please
I've just bought an item on my barclaycard costing £109. It is possible for me to get this item for £10 less, using a discount code but this would take it under £100. Does anyone know if barclaycard still do purchase protection (eg. loss or damage up to 90 days) as I'm unable to find this out on their website. Also, if I…
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Why are we all still paying 16%+ interest ??
The way interest rates generally have plummetted recently, I would like to know why are we all still paying such high rates on our credit cards. Why is this ?
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DD showing as credited to CC dated 22nd Dec??
Hey all I have a minimum payment DD set up to pay my Tesco CC automatically. On the 19th I logged onto Tesco CC online and saw the £5 DD was showing as received on my statement but it was dated as 22nd Dec. The payment hasn't left my A&L bank account yet. I know sometimes when the DD is due on a monday that it will show on…
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mbna cheques
As usual guys I got some credit card cheques from MBNA. Now, if I do a cash transfer to my credit account i get interest free till July 2009. If I do a BT I get interest free till november 2009. OK no problems there. However my cheque transactions are interest free till november 2009 too. SO, could I write a cheque to my…
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Wondering why Capital One has blocked my card?
Hiya, I just tried to use my card online ( plenty of available credit ) and it was declined twice. So I logged into my account to check all was ok, and it was. Just gave them a phone and the guy said the block was put on my card today and that I need to phone teh authorisation team tomorrow to find out why. He said that if…
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WARNING! - Post Office CC Direct Debit Mandate
All, I've just completed a Direct Debit Mandate form for a Post Office Credit Card. The DD Mandate is headed up as being for Bank of Ireland. The form looks like a standard Direct Debit Mandate - with one exception. A box on the right hand side of the page that is headed up "FOR BANK OF IRELAND OFFICIAL USE ONLY - This is…
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credit card fraud-who's liable ?
My wife has recently had £3600 + fees put onto her asda credit card in one day. Apparently this was all done on an internet gambling website. The credit card company seem to think that my 13 year old son was involved because my wife bought him a 79p i-tune. Can they insist we pay this amount? Incidentally, our son did not…
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what interest do i charge
hi i have asked capital one to refund my charges off my c/card the sum of £1350 since jan2003 they have not replied to me and the cut off date was yesterday, question 1 i am now filling in a small claims form for my local county court can any person tell me what interest should i enclose with my claim and can i claim the…
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Barclaycard causing me to get a 'black mark'
Hi. I'm unsure if there is anything I can do or if this is indeed the right board. I got a student credit card as a way to start improving on my credit score whilst at university. The problem happened just a few days ago. I had paid off my full debt to Barclaycard within 5 days of a variable direct debit. 2 days ago the…
