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Virgin Atlantic Amex - Any existing customer offers?
My 0% just ended and - at the same time - :rolleyes: - they doubled my interest rate to almost 30%!!! I have now paid it off in full so it is empty. Should I keep hold of the card (and it's generous 10,000 limit) in hope that they will do another deal or just close it down? I called them up and the guy said there were no…
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Dell Finance?
I bought my laptop through DELL FINANCE and pay around 20/month for it. I just realised how much interest I am paying! It was a 600 laptop and I'm going to have paid almost 900 when it's finished :eek: I know I was stupid for not checking this before. If I pay it off early will they still charge me the future interest or…
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Confused - is this cash advance???
I went to Nando's tonight and paid by MasterCard. Just got home and looked at my receipt and it says above the amount charged "TOTAL CASH ADVANCE" HUH? Why the heck was this a "cash advance? What is going on???? Also, the receipt printed my FULL CREDIT CARD NUMBER with the start and expiry date - how stupid is that?! Good…
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Credit Reference Agencies - Really Use Who UPDATE II
Hello everybody!:hello: Here is the latest UPDATE which Credit Reference Agency (CRA) lenders use to credit check your credit applications - Most of this work is done by Underground i am just merely updating the thread (as promised). Below is a list of major financial companies which provide bank accounts, credit cards,…
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Is minimum payment related to the interest you are paying?
Say your minimum payment on a blalance of £5000 is £100 and your card has an interest rate of 20%. If your card has an interest rate of 0% would the minimum payment still be £100? Are they linked in any way? Thanks
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Balance transfer?
Hello :hello: I am pretty new to this so sorry if I sound silly! I took out a credit card with Abbey as it is 0% interest on balance transfers. I am half way paying off my last balance transfer with my new Abbey card, but my partner and I bought a new television (with Comet/GE money) which we are paying £17 a month over 4…
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Quick Question
I know you can get some loans written off if the loan company cannot provide the original credit agreement or similar, does this apply to credit cards?
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My credit card has been cloned!
Had a phone call this afternoon from the HSBC Fraud Squad. They asked if I'd made a payment this morning for £1 to Charity Aid, I said no and they said my credit card had been cloned and they would cancel my card and issue a new one. I've tried to access my account online to see if any other unusual items are showing but…
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credit score - b-l-s-h-t
I have had 14 searches on my credit report in the past 3 months and 24 in the past 12months and yes it is naughty having that many. and i have applied mainly for credit cards and have recieved quite a few NO NO'S. But today i ordered my credit score from experian and it said 890 there is no way that can be right with the…
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searches on my credit report
I have just finally ordered and recieved my credit report and on there, there is three searches for an insurance quotation from direct line. Now last year (well exactly a year ago) i did a quote for pet insurance and took it out but that was a year ago. two of them say RBS PLC IRO DIRECT LINE PLC and the other RBS PLC IRO…
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late credit card payment fee
I've never been late for a payment before & naively didn't think about charges, so when my balance this month was 50p I decided to leave it & pay it off with next months payment. Now the credit card company have charged me £12. Is there anything I can do about it? It seems very disproportionate to me.
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Company went Bust - Is their now useless warranty covered by Credit Card liability
Probably phrased the Title badly I know. I purchased a TV from Empire Stores who have now gone to the wall (thank you Gordan). It came with a five year warranty. I paid by Credit Card. The TV is now not working - is the Credit Card Company now responsible for the cover provided by the warranty on the TV? Any ideas. ANy…
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Help needed with C/C debts
Hi,new to this forum,so please bear with me.Ive got 4c/c's with about 20000 on them,dont use them anymore by the way.One which is virgin(mbna)has the largest which is 9800 and i am struggling to pay the min a month.If i ring them and ask to set up some payment plan etc,do they still keep charging you interest or not??Mnay…
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Halifax
Just called Halifax and asked them to decrease my APR, which they did without any hassle. Its gone from 19.9 to 17.9, still not brilliant but a move in the right direction. The other good thing is that I've only had the card for 9 months, and still within the 0% period that came with the card.
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Starting a credit history- PLEASE help!
Hi all! Just a query- really hope someone can help me. I currently have no credit but am wanting to build up a rating as I'd like to get a mortgage in approximately 2/3 years (I am due to graduate this year and have a job offer already :D ). I have no student loan or credit card/ catalogue account etc- nada! So, basically…
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credit card interest
my credit card has just written and told me they are increasing my interest payments, i have no missed payments ever, can they do this?
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Balance transfer from Tesco to Natwest
Hi I was just wondering if anyone here has successfully managed a balance transfer from Tesco to Natwest (or the other way round). I know that as Tesco are no longer owned by RBS this should be possible but i know that RBS are still helping Tesco run their operations which has put doubt in my mind and therefore i want to…
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Charges made for using credit and debit cards
Charges for settling a bill using a credit or debit card. How can companies justify charging a per capita fee for one transaction eg some time back we booked flights through bmibaby amd were charged £7 for each passenger even though the total was paid in one transaction by one credit card. A total of £28 was added to the…
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capital one
I got married at a hotel in Scotland 4 years ago on departure i was told there was a cigarette burn on the carpet in the public bar area and i would have to pay for the damage ( this was just before the smoking ban started) there was no proof it was one of my guests but thought i didnt want to spoil my big day so i would…
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Playing MBNA's LifestyleProtect scheme
I've just had an interesting talk with MBNA regarding their LifestyleProtect. It's one of these 79p/£100 things but unusually it pays out on events other than unemployment and illness and some of these events are very forseeable. Purchase of a principal home Marriage or divorce Childbirth or adoption Graduation Enter…
