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Santander Zero for A&L Customers...
Hi All This is my first post here so I apologise in advance if someone has asked this before but I can't find it. A while ago I received a letter/application form from Santander informing me that my current A&L credit card would become MBNA soon and offering me a guaranteed acceptance (I read the small print, seemed fine)…
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direct debits and credit cards
evening all i am thinking about setting up a direct debit for my credit card so i know it will be getting paid monthly. my only concern is what will happen when my direct debit payment is more than what i owe on the credit card and what happens when the card is clear what happens to the direct bedit then many thanks
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MBNA CC: "Paying in Full to Avoid Interest" Query
Hello All, What does "paying balance in full" mean? How do I avoid interest charges altogether? I've been using credit cards for several years and have never paid interest as I've always "paid in full" - I don't use my CCs as long-term debt, and clear them out monthly. In September's statement, I saw £15 worth of interest…
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Tesco Clubcard Credit Card problem
My mum and Dad have a tesco clubcardd credit card and have a problem with the statement. Each month they have noticed that they are paying £24.99 for something called Card Charge ED. We have read through the terms and conditions and it makes no reference to this at all. Can anyone who works for Tesco Finance, or who has a…
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Transferring bank o/d to 0% credit card - advice please
I have a £2.200 o/d with Barclays and am paying £17 month interest charges. Really want to get rid of this debt and wondered if I could transfer it to a 0% credit card and pay it off monthly. Transferring to another card when the 0% period ends. Could afford about £40 month - can anyone recommend a good card and if this…
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Charges for having a credit balance on credit card
I've just noticed on the small print that there's a new condition 7.1 "...if there is a credit balance for three consecutive months, we will charge you a fee of up to £10 (the fee will not exceed the amount of your credit balance)" How can they (Santander) charge you for being in credit - has it always been the case? I was…
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CC confusion!
I got the halifax CC today. I applied for the student credit card as I do still have a student account with them, then it gets wierd, i get granted a credit limit of £1700 (I work full time now so don't moan about them lending recklessly) and yet it clearly states that the maximum credit limit is £500 on a student CC. So,…
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MBNA BMI Card large interest rate hike
Just had a letter today from MBNA advising me that from 1st October the interest rate on this card will rise to 27% a year basically a 25% hike. Can't see how they can justify this. They offer the change to decline the new rate whereby you will stay at the old rate until you pay off any balance but you can no longer use…
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Which is best...?
Looking at my Experian credit report I can see my available funds (over two credit cards) is quite high, maybe roughly about £8-9k. Experian also tells the percentage of funds available to me that I am using, which is quite low at around 15% From reading through the information on Experian's website is seems to say both…
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Barclaycard cashback - retention
Hi Back in March I phoned Barclaycard to cancel my standard card and offerred 2% cashback - paid at the end of each month - for six months. I accepted the offer and put my Capital One card in the safe. Now that the offer was expired I rang to query regarding cashback cards. They hinted that there may be one in the pipeline…
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Financial Product Applications
Is there anyone else out there having the following issues as myself concerning applications for financial products? I have fully embraced the world of paperless banking, utility bills etc. But every time I apply for a new finance product I am asked to supply a wide variety of evidence to support each application this…
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Post Office credit card - new cross border handling fee ?
Received a notice of variation, among other statements: Current wording: No existing text New wording: Rate of exchange - the exchange rate set by Mastercard, plus any cross border handling fee, if charged, as shown, where applicable, on your statement. Also found this (see Other BoI CCs section, Post Office's card is…
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Mbna direct debit - do they allow fixed amount?
Want to pay a fixed amount by dd
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Acceptance of PPI refund?
I have recently had a gesture of goodwill offer from RBS credit card re my request for repayment of the PPI insurance. They say they will credit it back to my card. As I am in severe financial difficulties and have offered a token payment I need the money for other debts as well. I am not using my card. Do I have to have…
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Help please on Doorstep collections and fees
hi i am in debt and in a debt plan some of my credit cards have defaulted and one is passed to a third party for collection (scotcall). I receive notification of this yesterday and had a doorstep call today. (they dont waste time) I was not in, my wife was and she believes he tried to walk in without knocking, fortunately…
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Bank of America 0 grace period
Bank of America sent me an invite. 0-2.99% ('based on my credit worthiness' - which is good 790-800 range) for 13 billing cycles. I could use the cash. I asked her how long the grace period was and see said, "um, ah... let me see . . . ZERO' That sounded fishy to me. She said it is standard in the industry with all credit…
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who's my credit card provider! Help
Hi. i'm currently paying the minimum on a credit card through direct debit. unfortunately i cut up and discarded my card, cannot find my statements, and have forgotten who my card provider was (so have absolutely no account info at all). on my direct debit it just says 'halifax card services'. is there anyway i can get…
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The laptop and the credit card
Hi, I'm thinking about getting a credit card so that I spread the payments for a laptop and then immediately cancel it when I've squired the balance. The best card deal I have found is for a Tesco card and the money which I want to spend is about £700 I've done my research but I as I've never had a credit card before I…
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Recovering fees/doorstep collections
hi i am in debt and in a debt plan some of my credit cards have defaulted and one is passed to a third party for collection (scotcall). I receive notification of this yesterday and had a doorstep call today. I was not in my wife was and she believes he tried to walk in without knocking fortunately the chain was on. I will…
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M&S card
Hello I have a M&S CC which i have had for a couple of years with a life of balance debt on it at around 3.9%. The debt occupies 50% of the credit limit, i received an updated card which i telephoned the number to activate. Once activated i asked the lady if there were any balance transfer offers on my account she said no,…
