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Paying for holiday with CC or DC?
Hi I'm about to book some flights worth in total over £2300. The travel agent says if I pay by credit card, there is a 2% charge, but if I pay by debit card there isn't. I've always felt big spends should be on credit card as you are offered some protection, but I am not sure how true this is, and would I not be covered by…
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Refused
I have obtained my credit score from experian and according to them it is excellent at 999. They advised me on a number of credit cards to apply for based on my credit score and I was refused - twice. I have never had less credit in my life and this is the first time I have ever been declined. I have always been a rate…
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Credit card settlement
I have agreed a settlement with my credit card company.(after months of hassel) I paid this settlement by bank transfer on the 24/09 the credt card company say the have not recieved it. They say the account is now in default and if money not in by 2 o'!!!! today they are selling it to a debit collector. What can I do I…
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Endless issues with Alliance Leicester, Santender, santa, abby..what ever are called
HELP !!!!!!!!!!!!!!!!! its Alliance Leicester or is it Santender. I want someone to share my pain, my endless problems with Alliance Leicester. I think Alliance Leicester have something against me or I live on a different planet then them. I have been with Alliance Leicester for 4 years and they don’t care. There customer…
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£125 credit card charge!?!?!
Hi, So I need to pay the balance of our skiing holiday this week to Inghams holidays. I want to pay this with a credit card so I have some form of protection incase they go bust and all that sort of stuff. The remaining balance is £5000, and they want to take a 2.5% charge for paying with a credit card; £125!!! 3% (£150)…
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Credit Card Vs Loan - Help eeek!
iHiya 'm a bit stuck with my two credit cards. I have a Barclaycard one with £1.5K 0% til May 2010 and a Tesco one now at 16.9% with £3K on. I'm accuring roughly £35 p/m interest on the Tesco card. I can't afford to pay either off in full for a long time on my current salary. I was looking at a loan option as the interest…
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increase in credit limit and new 0%bt cards
Hi Bit of a quick advice needed thread. Egg just emailed me saying they have increased my cc limit from 5.5k to 6.4k. I have 2 other cc's. They all will be coming towards the end of their 0% bt offer soon (foolishly I do not know when :doh: ). To increase my chances of getting further 0% bt transfer cards to help get rid…
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Tesco Payment in Full in Error!!!
I transfered 900 quid onto my 0% tesco CC and phoned immediately to set up a direct debit. I was told it went through and it would come off on bla bla bla etc. The next month I logged in and it hadnt been paid and I had a late fee. I phoned up to complain and they cancelled the fee and set the direct debit up again. The…
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abbey zero
Im having such a hard time with them. I was wondering if anyone had any experience with this. At the end of July I applied for the credit card on line and was told that they would make a decision but it can take up to 14 days. I then went away on holiday and when I came back I received an approval letter(over 3 weeks after…
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credit card charge
Does anybody know if someone was to deposit cash via their credit card to a poker site, will there be a additional charge or higher interest rate applied?
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Barclaycard Platinum instead of Car finance?
Hi there, I am pretty new to these forums having only browsed before today but need a bit of advice if anyone can help. I am currently looking to get a nearly new car, probably from a car supermarket. I will need to borrow between 7-9k and have £1k I could use as a deposit. I have looked at Tesco loans which look fairly…
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2 x MBNA questions
Hello... Long time lurker, and first time poster so please be gentle. Both questions to do with MBNA and rate-jacking. 1) My partner has a large limit on his MBNA (£15,400) and he only had about £2k on it when we got "the letter" about putting the interest up (from 16.9% to 30%+) We 'opted out' and are in the process of…
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Santander: Fraud investigations
Hi everyone, I recently got in touch with Santander cards over a transaction I don't recognise (small in value - we're talking under £30 here). It's taken them a while to get back to me, but today I received a letter asking me to sign and complete the slip at the bottom. Although I understand their need to do something…
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been charged for 7yrs after cancelling
hi i would really like any help on this tricky one i have! right here it goes .am with barcleys i have a c/card i rang them up and said to them when did i cancell my ppi which by the way never knew i had they said sept 2002 lol so i said wel why the hell have u been debiting my card upto 7 years later they could not give…
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Can I Do This?
My son has a Virgin card and his 0% has come to an end. If I apply for a Virgin card (0%) can I balance transfer the amount outstanding on his card on to mine? He still lives at my address.
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Credit cars machines
I have a small business and am looking for a credit card machine. I have found one from Payment Card Industry Processing (PCIP) Ltd which looks competitive. 4 Year contract Start up fee £100 No minimum monthly transaction fee £20 per month rent of machine Rate for credit card transactions 1.3% For debit cards 16p per…
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Paying off more than your monthly balance to "increase" credit
I have an Amex Platinum Cash Back card (which I think is great!) I always pay my bill off in full every month by direct debit. At the moment, I have been travelling quite a lot with work and need to pass through quite a lot of expenses in terms of hotels and flights. The credit limit is not that high on the card and I have…
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Keep or cancel nil balance cards ?
Hi there, i am in the process of finally paying off fully my credit cards with some inherited money. Once paid, am I better to close the cards fully or keep them with no balance outstanding? does it make a difference to my credit rating either way... Thanks for any help in advance with this
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Help please
Hi, i am positng on behalf of my sister,she has various problems at the moment and is trying to address each one as it appears. She has a Vanquis Visa Credit Card that currently has a balance of £1300 approx although her limit is £1200, she was managing this perfectly untill she had to leave her job and move 175 miles to…
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which card?
Hi, I am thinking bout getting a credit card, as always previously used debit cards. Would pay off by direct debit each month so incur no interest on what I spend...which is the best card out there?looking for cashback/airmiles Also what does balance transfer mean? Thanks
