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Is it worth appealing a Virgin decline?
Got declined for Virgin recently, all they said was 'unfortunately we cannot offer you a card on this occassion' - no reason was given, although it must be the '5' late payment marker I have from 6mths ago (under dispute, was placed when my account was in dispute so shouldn't even be on there the :mad::mad::mad:). I have 3…
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Which credit card is the best please?
Me and my other half are looking to get a mortgage so want to build up our credit rating a bit. I already have a Debenhams card which gets paid off in full each month I spend on it. My boyfriend however doesnt have any credit cards and is looking to open one. He will pay off each month and will spend it on things like food…
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Which credit card to choose?
Hi all, my mother is currently a Capital One credit card holder, they have announced that the interest rates will be going up to 39.8% as of December. She uses the card ocassionally and normally pays off in full at the end of the month, however currently she has £750 outstanding balance. She is looking to get a balance…
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Expensive Mistake
Hi, I am after some advice regards a purchase I made with my BOS Mastercard. I bought a part for my digger from Hitachi £3000,00. I am a private individual not a company, just a lazy gardener with a big garden. Anyway, I ordered the part for the wrong digger model. Hitachi had it sent from Japan. They are now saying that…
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Money transfer sent to closed account.
Afternoon, I have a little dilema at present. Firstly i take complete blame in the matter, however finding it hard to resolve. I have transferred some monies from my PKR (poker) account into a closed credit card (Mint) account. Very stupid of me! I've tried to call Mint several times, and i'm either told i'll be called…
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Beneficial Finance Closing?
Received a letter today saying that Beneficial Finance is closing and not to use my CC after 31/12. Anybody else had the same, and can anyone explain why this is happening. TIA
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Interest rate calculation on cash withdrawals
Hi, I wonder if someone can confirm my understanding of calculating interest charged on cash withdrawals. If I were to withdraw £100 from an ATM, using a credit card with no cash withdrawal fee and where the interest rate charged for cash withdrawals was 27.5%, I presume that I would pay 7.5 pence per day until the balance…
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When does clearing a balance not actually clear a balance - and why??
Hope there are some credit-card users wiser than me that can advise here... Last month, I paid off my husband's credit card in full, as soon as the statement arrived (the day after the statement date). All that was on it was £7.06 in interest charges relating to the previous month's balance; we usually pay off in full, but…
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How to cancel the Debenhams Credit Card?
How to cancel the Debenhams Credit Card? I cancelled Debenhams Credit Card twice in 3 months through Customer Service on Phone. The Customer Service confirmed that my credit card is cancelled and i do not receive statements but i received notice and pending payment. I sent a letter to confirm the cancellation and a cheque…
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Miss sold a credit card what now
My girlfriend had to open a bank account for her wages to be paid into as it was her first ever bank account the advisor at Barclays asked if she wanted a credit card as she had never had one she foolishly said yes this was ten years ago when she was just 18 and they gave her £1500.00 limit all this the month before xmas…
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Barclaycard Tried to Take £3,000 from my Bank Account When I owed Less then £13
About a month ago now I check my paper statement for Barclycard and suddenly saw that I had approx £3,000 outstanding on my card. In actual fact I has less then £13 worth of purchases on the card. The rest was a Balance Transfer of almost £3,000 + Transfer Fee + Interest on the Transfer I reported the matter to Barclay…
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Payment authorized on a cancelled card?
Hi all Around this time last year I took out a roadside recovery policy with the AA. I think I paid for it using my new Amazon Mastercard, which I took out just for the £15 voucher deal. In June/July, or whenever it was that Amazon announced that they were ditching the Amazon-branded cards, I phoned up and cancelled the…
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Capital One BIG interest rate hike
Got the letter this morning; interest rate on my Cap One Mastercard will be increasing to 26.94% from the current 18%. Card already in 8 little pieces and awaiting return to Cap One or binned (not fussy either way ;) ). I have a balance of 2K, will try to pay it off over next few months, but I will opt out of the new rate…
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Two questions re Experian and earning money abroad
Hello Q1 - I signed up to see my credit report over a month ago and at first glance there was no information on my credit report! I called Experian and we double checked my address and made a couple of alternations to it. However there is still NO information in my report. Bear in mind I have had 3 mortgages, 6 credit…
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BoS and BAA credit card to cease points and benefits
Have just heard that Bank of Scotland and BAA are to stop the accrual of points to transfer into benefits such as vouchers to spend in BAA shops at the airport. This is disappointing news as I used to save my points and obtain gifts at the airport with the vouchers and the recipients thought I was so generous when it was…
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Natwest Platinum 0% BT scam - check your statements
Hi, This is just to warn fellow mse followers to beware of the Natwest Platinum Mastercard 0% deal. I had recently set up an e-ISA with Natwest and as such qualified for the 0% BT on the Platinum card which I applied for and transferred £1800. This carried a fee of £52.20. The first statement rolled in and stupidly I…
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0% on purchases question
Hello I currently have a Halifax one credit card and my 0% on purchases ends on the 29th of October. My question is will I be charged interest after the 29th on my current balance? I'm asking because my new statement dated 1st October has "Next month's estimated interest - £0.00" so im abit confused.... Sorry for a…
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Credit Card Charges
Hi, i have recently decided to try and reclaim all of the charges i had applied to my old credit card. The only problem is that the account has been closed for over a year and i dont even have any old statements or anything. This means that i no longer hold any details of this credit card i used to have. Does anyone know…
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Card transfers?
Can anyone tell me please if you can transfer a balance from a b+q Store card to a hsbc Credit card many thanks
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Money taken for credit card from HSBC Flex Saver account
Wondering if anyone can help me with an issue. I was in debit with my HSBC student credit card. On the 6th October I transferred £100 out of my student loan to my saver account so I wouldn't spend it (was waiting on news of a job-which I got and various other incomes) on the 16th October £75 had been taken from my Flex…
