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Egg Anniversary deal
I've just gone to the Egg site to arrange my anniversary balance transfer only to discover that the offer has gone. In the past it's been great as I could transfer from the card not only to other cards but direct into my bank account so used it to pay a few other things off. I then paid the card off before the interest…
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Reduced Payment Time for Credit Card Bill
Hello. I have an MBNA credit card and I have just realised they have reduced the length of time I have to pay my bill to just 20 days. Previously I could expect about 30 days or so before I had to make a payment. Can they do this?
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How To Stop Credit Card Cheques By Text?
I have a Virgin credit card (MBNA). The keep sending me credit card cheques which I don't want. The only options to stop these are a) to write to them b) to text 'CCC Stop' to 83838. Obviously they haven't got around to email yet... So, given that they don't have my mobile number (and they're not getting it), how does this…
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Improving/rectifying credit rating
I've always had good credit rating and been a bit of a credit card tart however during a holiday this year I missed two payments on one of my cards. I've recently applied for another card to transfer a balance and been refused - never happened before. Can I do anything about this does anyone know come April I'm in big…
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Barclaycard minimum payment reduction letters
I've just been speaking to a reasonably unhelpful Indian lady about why I got a letter telling me that some of my payments are near the minimum (they're not, ever) and that they're reducing my minimum payments. Apparently they're sending this letter to all customers, but I don't believe them. Please can you post your…
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Credit application question
hi, sorry if this question has been raised before but .... Im currently unemployed untill january 2010 when im starting as a police officer, and was thinking about getting an egg card to clear my £1500 overdraft and give me some spending money over christmas. I was just wondering wether egg would offer me a card and if so…
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DCA 'lost' almost £300 of my money!
I have been paying an old Halifax cc debt to a company called Wescot. I have a standing order set up paying them £65 per month and have been making payments every month without fail. Halifax have now for some unknown reason withdrawn the account from Wescot and passed it to Iqor to collect! Very annoying and a stress and…
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Credit value on credit card
I pay my credit card balance in full each month. This month my statement is dated the day before some items had been returned. Statement date is 21st and my credit value of around £190 went through on 22nd. I called them to ask if can pay the amount of my statement minus the credit amount and have been told no, I have to…
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Capital one say i'm liable for card usage after i have closed my account
I had a capital one credit card but wasn't using so decided to close it due to high interest rate and lack of use. I was told over the phone that the card would be cancelled in 2 weeks as long as it wasn't used, if it was used then it would remain open. I have not used it and got a letter through yesterday stating my…
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cashplus pre-paid credit card
for anyone who wants a credit card but doesnt meet the criteria. i have one and its great. i have never had any problems with it. also there is a facility called creditbuilder which if you make the set repayment fee on time it will help you repair a damaged credit report / file. also you dont need a bank account or proof…
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Reclaiming Charges on old account
Hi guys A number of years ago I had my first credit card account with Halifax. I was young and armed with this new way of spending money I went a little overboard! This resulted in me getting quite a few charges for missed payments/going over the limit. Now my problem is I have no idea what the account number was! Can…
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Credit card's and CPP
My credit card has been pushed way over the my what I consider to be a fraudulent transaction by CPP and Capital one who authorised the payment in the first place when my card was on it limit. I am now being hounded daily by Capital one's call centre for payment's that since I have been made redundant I simply cannot…
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Next Online Credit Account - Legal Advice Please
I have no idea whether this is the correct forum to be posting in so first of all apoligies if its not but I am after some legal advice after an infuriating experience with the Next website this evening. After adding an item to my basket I was then asked to proceed to follow a sign in procedure as I was new to shopping…
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Asda Credit card decrease in credit limit
I received a letter today regarding my Asda Everyday Credit Card (now handled by Santander) notifying me that due to their "commitment to responsible lending", my credit limit was to be decreased from £3000 to £250. Now I can spend anything from £60 to £600 a month, and I have a direct debit set up to pay off the balance…
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Barclaycard Credit Limit decreased again!!
My wife has a Credit Card with Barclaycard and I pay the monthly bills. Within a couple of months of getting it last year her credit limit was reduced from £2,200 to £1,850. I pay the monthly bills for her. Last month I paid £900. I don't always clear the balance. Today I (or should I say she) has received a letter saying…
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Card versus loan to clear overdraft?
Hi all, First time poster but semi-regular reader, hoping someone can help me come to a decision! I have a £1500 overdraft on my HSBC account. I have had the overdraft since starting university in 2002, and have pretty much lived in it since then. I am rarely in the black for long as my wages have sadly not reached dizzy…
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High Interest Card, Can't Get a New One
Hi:o, I have had the same credit card (from my bank, HSBC) since I started uni, 9 years ago. It is now on £4,500, the interest is 23.9% and my limit is £6,500. This month, it has gone up £120 in interest:cry: :cry: . Two months ago, I realised what a ridiculous situation I'd got myself in, as the minimum repayments are now…
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Holiday blues
I've just recently returned from holiday abroad with my partner, on hiring our car my partner had to use her credit card for the deposit, my debit card was not accepted by the company I did know this before hiring and tried to find a company which would take debit/cash but was unable to find one. Why is this ?
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Tesco Finest Platinum card changing
I got a paper statement today with a leaflet explaining the changes to Tesco's Finest platinum card as it becomes Tesco Finest World Mastercard. http://www.tesco.com/finestcard I assume this is Tesco breaking away from the RBoS but details on the site are sketchy. Apart from a new card at renewal, it doesn't seem as though…
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Current Credit Card - anyone asked for 0%?
Looking to transfer a current credit card balance to a 0% card and will be spending £6k in the next few months on a Credit card. Is it worth asking my current credit card if they will offer me 0%? Then i won't cancel their credit card and will spend on it
