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Paying off credit card in full
Hi guys, I have read that in order to boost your credit score you should spend a little on the card and pay off the balance in full each month. I also read that you should use the card to pay for necessities before paying it off. Is this the case ? Might they look at what you have spent on it when viewing your score, etc.…
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Virgin CC making there own rules up again!!
Ok...so I've had my troubles before with Virgin...but couldn't refuse there offer of 6.9% for the life of the balance. I transfered 2 of my other cards with alot higher rates. £7500 is the approx amount on my Virgin card now at 6.9%. Although I'm wise to there little games it really gets on my wick that they are only…
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Lloyds Gold
I want to change the expiry date and have spoken to Lloyds Customer Service twice and they have promised to do this but each time a new card comes through it has the same old date on it. Lloyds have also promised to write to me and to phone me about this, but of course zilch, nada, nothing. Is it possible to change the…
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Halifax 0% card question
Hiya, Firstly I'm new to all this so you may have to bear with me. Anyway, to the question. I've just applied for a Halifax credit card ... was declined the first time because I didnt have a job but I've managed to get one (finally after 6 months of nothing :) ) so I reaplied and recieved a letter from Halifax saying that…
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Have you taken out churchill insurance - check for recurring credit card payments
This is to be my first posting and hope that it helps any unsuspecting people who have taken out Churchill Insurance on the Internet so you can check your details and avoid any nasty recurring credit card payments when the renewal would be due. A couple of months ago I took out a home insurance policy, and fortunately I…
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Post Office Mastercard Credit card
Hello, i would like some help on the Post Office Credit Card. I am going on Holiday to Greece. I spoke to the Customer service at th PO and am still a bit confused as to the best options for getting my Euros. 1. Cash Withdrawal abroad: use the Credit card for getting Euros at an ATM in Greece OR 2. Cash advance in the UK…
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How long do companies have to take money from my card?
Hi all After a bit of advice as found nothing on the forums at all. We went on holiday in August and as we checked out of our hotel paid for our room on our American Express. The total was around £560. The bill shows the money coming off and the last 4 digits of the card number, but the money has not yet been debited from…
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Capital One - Holiday cover changed to at least 75% required to be payed on card
I have a Capital One card and they have sent a letter to say "must have charged at least 75% of total cost of transport/accomodation to your mastercard. This is a basic requirement only. You're not covered if your holiday starts on or after 1st Nov 09, even if it was purchased before this adte. You'll need to arrange your…
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Credit card protection
Quick question.... Extra protection offered by a credit card purchase is well known I feel (but not necessarily all the details) ... We (that will be myself and her in doors), are in the process of purchasing a new car. We placed a deposit yesterday on our credit card. We had previously withdrawn a substantial amount of…
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Merchant charges
Is there any difference in the processing of debit and credit card payments that justifies the differing charges for each method?
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Barcalycard changing T&C - can I cancel?
Hi, received a letter that Barclaycard are changing the T&C. Am I right in saying, that I can cancel my account with them now? Thanks Markus
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Credit card company cancels card
I have an MBNA card which until recently had a large balance (several thousand). In April I received a kind invitation to either continue using the card at an interest rate of over 34% or keep the existing rate but be unable to use the card until the balance was paid off. I not unsurprsingly declined their kind offer of…
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Barclaycard account Closed?
This is my first post on this site, and I'm hoping you may be able to offer some advice or hope. My wife paid off and closed her Barclaycard account in January of 2007. Last Tuesday she received a letter from a debt collection agency telling her that she owed £156 and that they were sending an agent over to collect the…
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MBNA Credit Card ???
Hi On my Credit Report it shows that I have a CC with MBNA open ,I cannot remember opening it at all,but I did have a Virgin cc which I know belongs to MBNA group.prehaps they opened it automatically,does anybody know how I can close it.??
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credit card promotional rates.
I have a current issue with /mbna my credit card company. I have not heard this issue mentioned before. I had a promotional rate applied to my card - 0% on purchases made up 31/07/09 interest free until dec 2009 statement date. I decided to take advantage of thsi rate and used it for a few things. I also decided to renew…
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Virgin Credit card increase interest rate to 34.9%
I cant beleive how angry I was to find that Virgin had increased my interest rate to 34.9% without even notifying me, how can they get away with this?? Banks and Building society's are so regulated and could not do this so why can credit cards companies, I think it criminal. I have called them but they have advised me to…
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insurance on stolen items
Ok my partner got some new power tools for work on his credit card sadly the tools were stolen less than a month after purchase is there any way off getting the money for new or the items paid off the credit card?
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Credit Card Plus
I have just received my credit card statement from The Cooperative Bank. On the message section of the statement it states that I can add credit card plus to my account for £8.50 a month. Anyone know what benefits this includes?
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Credit Card Help
Evening all, Just after some advice on where to go with 2 credit cards I have and the best way to pay them off quickest/less interest. Current situation is: Halifax: £3,900 paying ?? interest each month, paying off £100 per month. Barclaycard: £2,000 interest free balance transfer about to run out, £5,000 limit and…
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Free use abroad
I'm looking for a new CC that I can use this Xmas in the caribbean or on an american cruise line next summer. Nationwide used to be free, it's not now. Is there a free one out there still ?.
