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Using a credit card abroad....
How does a credit card work abroad every time you use it on meals or shopping/presents etc. How much do you get charged every transaction for using it. Doe you get a charge for the banks having to exchange from euro to pounds..... if so how much do they charge to do this. Is it better to try and buy in pounds or euros on…
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MBNA Intrest rate hike?
Foolishly I didn't open OH's last months MBNA statement, just paid the same minimum payment I'd always paid. OH took a phone call from them yesterday saying the payment was short, so he paid the difference. I found the statement this morning and the interest rate has been hiked from 1.2408% to 1.8735% (15.95% APR to…
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Equifax.co.uk free credit report? Is it a subscription?
Hi all. Got the credit check because I was denied a mobile contract. Now I've done what I needed with it should I cancel the account? I don't want to pay any money to subscribe. Or is the free check free and it's the other services that will charge me a monthly fee?
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Why can't Online TescoCard show up to date balance anymore?
I've got a Clubcard credit card with Tesco. In the past, you could view recent transactions on the day they were made. Now, it doesn't show transactions that were made up to 5 days ago. So the summary at the top will say: Credit Available:£200 Balance: Zero Limit: xxxxx When I scroll down to see what the £200 transactions…
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VISA electron usage fee with foreign currency?
Hi, the departure country determines the currency which is used when booking with Ryanair. I suspect one cannot change the currency, right? I would like to double-check the following with you guys: say I have to pay in EURO-currency with my Halifax Easycash VISA electron card then I have to pay the conversion rate plus a…
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Please help
Hi - I'm new to the site and having sleepless nights over my financial situation. I feel so overwhelmed by debt, and we are literally living hand to mouth - struggling to find money for the basics. I'm in a well paid job (so is my husband), but have run up debts that are now crippling my family. We have run up credit card…
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CRA's Do they ever do credit scoring for lenders etc
When I' m not posting I like to look back at previous posts on different areas of the forum, just read a post from last year. The OP failed a credit check with T-Mobile, and another poster said it would have been Equifax who would have done the scoring,rather than T Mobile themselves? Just a wondering if they do that…
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payment protection cover
Just wondering, can anyone tell me if payment protection cover on credit cards is actually worthwhile, or is a (slight) safety net. Due to not keeping my eye on a credit card i've gone over my limit and i'm thinking about cancelling the ppc for a couple of months so i can pay a bit more off on top of whatever i repay.…
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Making a littlewoods catalogue account payment with a credit card
Hi I just wanted to double check with anyone that knows, if i make a payment to my littlewoods account using my natwest credit card (would use my debit card but safer to use credit card on-line), will it definatley be classed as a purchase or could they charge it as a cash advance? Thanks
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Paypal and Cash advance?
Hi all i just got a Tesco credit card. I have been reading online about how some cards now treat paypal payments as cash advances I want to take advantage of the 0% on purchases does anyone know if tesco treats paypal payments as cash advances? Thanks
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minimum payment
i set up a minimum payment on a barclay card 3 years ago i reached my limit and cut the card up they also stopped my card since then i have never missed a payment as its taken by d/d but they have carried on charging me insurance on a card that i couldnt use and they never took enough to meet the minimum payment so charged…
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Paying by AMEX on Paypal
I bought something today through a website in Hong Kong which charge all items in American Dollars - the total bill coming to US$8.40. When going through Paypal to pay for my purchase, I have 2 credit cards registered to my account - a MasterCard and an American Express (AMEX) card. If I pay by AMEX, I am forced by Paypal…
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Halifax all in one CC
What exactly do they mean by "all in one" ive just gone mainstream with things. Id love to know what people know about there all in one card aside from the advertised stuff, does anyone have one of these CC? Your input would be more than welcome. Thanks.
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Question of the week: Credit reference agencies
Q. How can credit reference agencies justify their £60-£70 annual fee for credit reports when they are available for £2 a time? Nic, by email. Martin's A. They don't have to justify it, they're commercial companies and it makes them money. Experian and Equifax compile credit files, so lenders can assess whether to loan out…
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How can I pay for a large private purchase on my credit card?
I wonder if this can be done??? I am going to be buying a car in the next month or so off a family member. My bank today said I could have 6 months interest free on balance transfers and new purchases! It got me thinking, I have enough credit limit to buy the car on my credit card, but how do i get it onto my card as a…
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Next card
Hello i have 5 cards and wondering what do u think should my next card either a 0% or spending i have the following and would like a 0% card i have been told that u cant have three mbna cards is this right? The cards i have virgin mbna mbna nationwide hsbc barclays i have had a egg card and cancelled in last three mths
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Barclaycard claim they have not received payment!
Hi credit card savvy people. I hope you can help me with this, as I am worried I am going to get slammed with interest, late payment costs and a black mark on my credit score! :o This months bill was payment due date the 27th July and pay at a bank by the 22nd July, which I always adhere to and set up in advance to go…
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Virgin Credit Card: balance cleared, direct debit cancelled and charged a default fee
I have a Virgin Money MBNA card. I had previously set up a direct debit with Virgin to take the minimum payment every month and I also paid more into the account manually online. I set the DD up so I was sure to make the minimum payment and not default by forgetfulness, etc. I was given to believe that the amount taken…
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What deals are people getting on existing virgin mbna at min?
Ive had a card two years...not use it in last year....£7000 Limit......
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Balance Transfer Help Needed
OH has two credit cards. Barclaycard has balance of £800 and interest free deal has finished. Egg has balance of £4000 and also paying interest. Barclaycard has offered balance transfer by 31.7.09 using cheques on statement (0% for 1 year). Would he be able to balance transfer the £4000 over even though he has a balance on…
