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double statement - i need advice Plz
I have a virgin credit card- i pay monthly online. due to all the "responsible lending" malarky they cut my limit from 11k to 8k when i was like less than £100 from that amount... last month, i have the good old we're going to crank up your interest rates, or you can opt out and just pay of your balance and then by the…
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unenforceable-credit-card-agreement
Hello Everybody Like you all, I have seen lots of adverts and claims regarding writing of your outstanding Credit Card balance; I know the credit card agreement needs to be taken out before April 2007 and the first action is to write to the Credit card company requesting the original credit card agreement with the hope of…
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Arp
Now dont all laugh at once, but I wanted to put all my finances into the snowball thingy on here. Bascially my question is where do i find the apr's on my credit card? The statement says card purchases 1.29%, BT 1.4%, Cheq/money 1.5% cash 2.0% and default sums 1.29% but how do I actually calculate the apr? Im really…
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Pre-Paid Credit Cards
Is there a list that shows ALL the pre-paid credit cards that are available in the uk?, if not is anyone able to list the various types here. also i read that some cards have a top up limit of £200 and that includes bacs from wages what happens if your wage is say £250 it would fail to get to the card. A normal credit card…
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Foreign Exchange Fee on a GBP payment on Mastercard using Paypal
I've just been charged a Foreign Exchange Fee by my mastercard for a payment in GB Pounds via PayPal. Paypal gave me their standard gobbledegook response about AMEX (not relevant) and current conversions (not relevant either). It appears that the ebay seller was in Ireland and so the paypal payment was routed to Luxembourg…
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Tesco credit card aplication process HELP!
I have just applied for the Tesco credit card, 12 month 0% on purchases. I was accepted for the card and told my credit limit. I ticked the signature thingy and before I could press the button to finalise the application, the screen crashed :mad: So I went through the application again and it declined due to my personal…
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0% balance transfers
Hi, I am a rate tart and have used the 0% balance transfer offers over the last 18 months. I have saved alot of money doing this! However, today (after checking my credit file) I was refused a 0% card by MBNA. Instead they offered me a "Vanquis card" at 39.9% APR. My credit file says my credit score is Good i.e. above…
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unknown searches on my credit file
Hey guys, firstly let me apoligise if this is in the wrong place. Ive just got a couple of searches on my credit file and i havn't a clue who they are, hopefully someone can give me a clue...... I-CD PUBLISHING-CORPORATEPAY LTD ??? & CREATION FINANCIAL SERVICES LTD ??? Thanks
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Can I appeal a credit refusal?
Hi, Recently been refused for HSBC and Barclaycard credit cards. Had checked, corrected and rechecked my experian report plus paid the £5.95 for credit scoring and got a maximum score of 999 out of 999! I thought I would easily get credit, got refused. Decided to check my Equifax report - This shows a CCJ. This in…
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A little help please......?!
Hello, Ive got an existing credit card debt that I want to transfer onto a 0% credit card. Ive never done anything like this so was wondering if anyone would be kind enough to explain If I do a 0% balance transfer and a 0% purchases deal does this mean that I will only be paying back the debt I have each month with no…
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MSE News: PPI misselling leads to £8,000 debt write-off
This is the discussion thread for the following MSE News Story: "A landmark legal victory could open the floodgates for millions of people to take credit card companies to court, it is claimed ..." Read the full story: PPI misselling leads to £8,000 debt write-off
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Balance Transfer to Current Act?
Noticed this on an email from Virgin Credit Cards: You can also transfer money to your current account from your Virgin Credit Card.* It's a simple way to clear your overdraft. The T&Cs state: * You will be charged a handling fee for a balance transfer, credit card cheque and cash transaction of up to 5% of the transaction…
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fraud on my credit card
Please can someone help me! On my credit card there appeared a £300 transaction which i did not recognise. I rang up the company and they told me it was a cash withdrawal. I did not make it. After numerous telephone calls and letters the company investigated the transaction and said that tey could not do anything about it.…
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Reducing credit limit
I have recently had my credit card limit reduced from £8400 to £600 by Nationwide Building Society yet they say my credit history is perfect but say i have to put in an appeal if i wish to increase my limit again! What can i do?
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credit card just for hiring cars????
My wife and I live in France. We are both British but are NOT on the UK electoral roll. We have an account with NatWest in England which has our French address. My wife has a NatWest credit card that she has had since we were living in England. I have a Nationwide account and debit card with my father's address on -- I use…
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Cancelling a Tesco Clobcard-Credit Card
Sorry if this has been posted elsewhere; I did a couple of searches and could not find it. Anyway... I'm going though a major overhaul of my finances, and I want to get new cards as well as cancelling old unused ones. In particular, I have a Tesco credit card which I haven't used for ages (1, maybe even 2 years) and would…
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Help with interest rate calculation
Hi, I have a Sainsburys credit card and owe £4323. I am going to transfer most of this balance to a credit card with a cheaper interest rate. I am charged £11.36 on a promotion rate of 0.016% a day and charged £47.48 on a purchase rate of 0.073% (29.95% pa). My question is how do I work out how much of the £4323 I am…
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Vanquis and Classic
Hi, This is my first post here so please be gentle ;) im 22 and am in full time employment and get a decent wage, however am struggling to get credit and unfortunately fell down the slippery slide of applying and getting declined and then applying somewhere else.... That forgotten i have read some advice on this forum and…
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john11dogs
Following Martin's advice in May this year both my wife and myself applied and obtained a Barclaycard Goldfish credit card in order to take advantage of the offer at the time of 5250 bonus points worth £30 if there was a minimum spend on the cards of £300 over 3 months from the date of opening the account. In the first…
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Credit Crunch - is the worst over?
My Bank of Scotland Mastercard credit limit was reduced from £5000 to £2000 during the worst of the credit crunch. Today it has been increased by a £1000 without me requesting it. Maybe a sign we are getting over the worst of the credit squeeze. Here's hoping!
