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6 credit cards too many???
i had a cull of my credit cards a year or so ago, (closed mint, egg, natwest and mbna) however as i have got other cards in mean time (for 0% deals or free usage abroad) i find that i have 6 credit cards now. There is only one with any substantial balence, (cap one platinum) which is still on 0% till the end of november,…
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Change to minimum payments on Barclaycard
I recently received a letter from Barclaycard stating that because my payments over the past year have been close to the minimum, they have reviewed my account and my new minimum will be interest plus 0.25% of outstanding balance, or £5 (whichever is greater). This will apply automatically unless I tell them that I don't…
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asda credit card need some advice plz
hi my partner applied for asda credit card on the 19th of august and he still hasnt received a card we have rang them near enough every day they have cancelled one we have had 2 sets of pins numbers but not card they said they sent one out on the 9th sept but still not had it and after speaking to them they said just wait…
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Best credit card or pre-paid card to use in Japan?
I am travelling to Japan on holiday at the end of October and would like to know what's the best way to pay when I am out there. I was thinking of taking some cash from the UK (pre-order and collect at airport) and using my credit card when I am there. However from reading the various discussions, I am completely confused…
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Credit Card Insurance
Hi folks Hope I am posting this in the correct forum, apologies if not. A friend of mine became a widow last year so has had to get to grip with financial matters this year as well as come to terms with the death through cancer of her husband, he was only 58. She will be turning 60 next year and has decided to treat…
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Play.com Credit Card Points Fiasco
Am I the only person who haing spent heavily on the card, still cannot get any points credited to her card...because of a technical hitch. I have been batted back and forht between mbna and play, promised phone calls and you've guessed it...! nothing?
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Credit score agencies
I wonder whether anyone else has had a similar experience - Recently, I applied for a new credit card - being a card tart and wanting to shift an existing balance. I had never defaulted a payment and, if fact, had never had any problems getting credit. However, I was turned down. The reason for it, as I found out after…
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Paying Tuition Fees with Credit Card - Any Fees Charged On Such Transactions?
Apologies for these silly questions, but I have an MBNA Platinum Rewards card, and thought it would be a good idea to use this to pay my boyfriend's tuition fees to earn the rewards points (and benefit from tiny amount of interest earned during the time lag between payment and statement date). The university allows us to…
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Keep or cancel unused / zero balance credit cards??
We have 3 cards, Tesco, Virgin and Barclaycard. Virgin and Barclaycard have zero balance as we used both for transfers and paid them off during the 0%. Should I cancel these cards as we no longer need them, or just leave them with a zero balance and not use? We like Tesco as we get points and pay off the balance monthly so…
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A question for the experts
Ok, I have just cleared my MBNA Virgin card and cancelled the card completely. Is it possible re-apply for the same card (with the 15 month 0% interest for 15 months) and if so, how long would I have to wait before I did so.
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If you spend about £500-750 a month and pay the bill in full ALWAYS....
what card would you recommend?
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Mainstream choice but not Flybe!
Hi all I read a thread here about Flybe sometimes giving a card to people who have adverse history, so I got a bit impatient and applied 2 months before my CCJ was due to come off and got Decilned. As this is not an option for me to apply to now that my files are clean who does everyone see as my best option for…
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Got approved for new credit card...but APR is 93.4%!
Is this a reasonable APR? My credit files are good though a lot of accounts
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Capital One Complaints
Has anyone got a telephone/email contact for capital one complaints? Im advised by them I can only correspond by post and ... ill be frank, I dont believe them! ;)
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Santander Zero payment queries
Hello, I have this new Santander Zero card. Just have a few questions regarding payment options. a) I plan to set up a Direct Debit for minimum, then pay the full amount on top of the minimum amount manually. Will a manual payment reduce/stop the direct debit, or will it continue to be taken? b) For manual payments, does…
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Miss sold cc
Hello everybody, i would like to ask if anyone can help me out ?, i have a trade cc and have had it for about 3yrs , i have recently recieved my credit agreement forms witch i requested no i would like to no could i proceed with an unenforcable claim and how ? The main parties this cc is supplied to is self employed people…
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play.com is 3% fee not 1.5%!!!
Hi, I've been waiting for my shiney new play card to turn up, and just rang to activate it... Now remember this card is supposed to have a 1.5% handling fee on Balance Transfers, as described on MSE, on the play.com website and in the T+C's which are on MBNA's site (which can be found here). I have just been told that I…
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Credit card protection
I recently cancelled my credit card insurance. I have just bought a flights and accommodation through Expedia using the CC for protection but I just had a thought... as I have cancelled the insurance would it mean I wouldnt be protected if the company or airlines went bust or is protection standard with a CC. Thanks
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New Lloyds TSB BT offers for existing customers are on
0% for 6 months with 3% fee seems the best one https://secure.form.lloydstsb.com/application/balance_transfer.asp?wt.ac=btexistingint62
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Was just wondering!
Hi folks, Just out of interest, when you apply for a product (credit card for example), how long does the company hold your application details for? Cheers in advance x
