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Help with Credit Card
This is my first credit card iv had with bank of scotland and my interest free runs up in the next month or so, iv got a balance on it and think im going to need to balance transfer, is this easy to do? Also want decent interest free on purchases anyone know how to check best ones around just now that do that? Thanks Sorry…
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MBNA credit card query
Hi all, I'm Stixx - newbie and first time poster. I've visited this site a number of times and always found the answer to my question in previous threads... this time I'm stuck and need a little help please. My partner has an MBNA credit card with a balance of £5114 as of this month. In March of this year I had an accident…
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Company gone into liquidation, will we get a refund?
I ordered bunk beds for my parents house early August. After being told they would come within a few days then being told it would be two weeks, then nearly a month we cancelled the order. They said they would refund my Mum's Barclaycard within 30 days. It would have been the 30th day today and still no refund. My Mum…
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American Credit Card Debt
My gf is American and self employed (works in USA and UK), the recession has dramatically reduced her income and she has a credit card debt on an American Card that is proving very difficult for her to manage. Is there any American legistlation similar to the consumer credit act where we could challange the enforcability?…
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Bit of a funny one - damage to bike - claim back off barclaycard?
I went on a track day today round Donington and hired out a bike which had an excess of £495 if any damage was caused to the bike. Money is paid in the morning and refunded at the end of the day when the bike is returned unharmed. As it so happens damage did occur to the bike by someone ramming into my back tyre and…
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ASDA credit card
Just recieved an email today informing me that they are reducing the possible points obtainable to a maximum of £30 in any 12 month period. Which averages out at £1000 spend per month or 1 point for every £4 if my maths is correct. This is added to the fact that they reduced the petrol saving from 2p per litre to 1p per…
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Can't close account
Sorry if this has been covered elsewhere but i'm having difficulty closing an account with barclaycard. i had a morgan stanley card since 2003 but after they got taken over by barclaycard i mistook the bill for junk mail and missed a payment last august (2008). i paid back the amount including all interest and wrote to…
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Do any non-resident cards settle in Euros?
I need a card that works on the visa or mastercard network. It doesn't have to be a real credit card. Requirements: Bill settled in euros No maintenance fees Free SEPA wires (to make payments) Non-resident applicants Credit cards are lousy where I'm a resident, so I need a non-resident card (if that exists). I don't mind…
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Rate Jacking Article Discussion
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'Arrangement to pay' from 2 1/2 years ago?
Just wondering how lenders see 'Arrangements to pay' on credit files when deciding to lend? I have 2 of these with 2 card providers (now fully settled) when I was having diffculties 2 1/2 years ago. I know these won't be overlooked when offering credit but how badly are they considered these days? Cheers as usual F
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Barclaycard - going back on payment plan?!?
:mad:Can anyone advise please?? Am experiencing financial difficulties at present. Have contacted all my creditors to see if anything can be done. All of my creditors have come up with payment/ debt management plans for us, including Barclaycard - or so I thought. I spoke to somebody in the apt department few weeks ago -…
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Capital One Abusive calls...
Hi Everyone, I am not sure if this is the best place for this or not but im looking for some advice on what to do next, Okay so the back story ofcourse is that im currently unemployed and in condsiderable arrears with most things, council tax etc etc but am trying my best to get on top of this. Capital One are calling me…
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Capital One Credit Card
Dear all, Hope your well, I just wanted to know im quite new to credit cards, i have used it for 4 months now paid everything off on time. Have had cash interest on my account etc. but my balances are paid off in full. Had a credit limit increase hike of £1,000 last week i know is that good? Im going back to university in…
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Rate Jacking Sucesses/failures
This thread is to discuss Rate Jacking Sucesses/failures here To find out more about Rate Jacking read the guide Rate Jacking: Stop unfair credit card interest rate rises How to report your success/failure: 1. Click reply to enter you story. 2. Report your story in the following format: * Who Rate Jacked you: (e.g. Virgin,…
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Getting money back from virgin credit card
Hello, can any one offer me some advise? I recently tranferd the balance from my Virgin Credit card onto a 0% card with Barclays. I did this about 3 weeks before payment was due on the virgin card. However, they still took my direct debit for the minimum amount, leaving me in credit on the card. I have since phoned and…
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Help with Credit Card Debt
Hi everyone, I'm new to this board, so hello! I currently have 2 credit cards. One is Barclaycard which I took out as a 0% balance transfer deal, which still applies. The other is a Tesco one which is 16.9% APR on purchase, and which I use for things like new tyres, fuel and other bits when I have no money left at the end…
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Credit Card Balance Transfer Help
Hello there, This is my first post (I think) ...and I may have rambled a little, please stick with it though! Any advice will be gratefully received! I currently have 3 credit cards... HSBC - Debt = £2300, Credit Limit = £4700 Tesco - Debt = £1400, Credit Limit = £2200 Virgin - Debt = Nothing, Credit Limit = £4000 I was…
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Really need some advice
Hi, I really need some advice... I currently have two credit cards one is a Citi Card balance is £6000 & one with Monument with a £1200 balance. I've been on short time at work for some time now and I really cant afford the interest repayments on these cards. I'm two months behind with monument and one with Citi. My credit…
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Credit Report just cleared. How long should I wait?
Hi all, After going through a few problems several years ago & having defaults & CCJs on my credit reports for the last 6 years, my experian report is now clear of all of them & filled with lovely green '0's on all of my accounts. Still a few nasties on Equifax, but these should clear by the end of October. During that…
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Credit card after you leave UK
I once lived in the UK but I am currently living in Japan. I need a UK credit card to do matched betting. Currently I am using a debit card associated with the UK bank account I opened when I was in UK but it is very inconvenient. I foolishly turned down a replacement credit card after all the problems with a stolen card.…
