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spending on a barclaycard simplicity after balance transfer
Hello, I have read Martin's article advising to never spend on a card after you have made a balance transfer on it, but in the case of barclaycard's simplicity card, the apr of the balance and spending is both at 6.8%. So if I transfer £3000, and then I use the card and spend £500, I will have a debt of £3500 at 6.8%? Is…
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credit card payments taken from bank account
can anyone help,i remember an article sometime ago by martin L (MSE) saying how banks can take money from any of your accounts with them, to service outstanding loans, regardless of your ability to pay.my question is,does the same apply to credit card companys,if the company is the same company as your bank account. i am…
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Store Card Charge - didn't recieve bill
Hi, I signed up for an Oasis Card lasts month in order to receive the in store discount. I received the card in the post on 1st Oct, no bill. I have been waiting for the initial bill and today receive a text message from Oasis asking me to call the payment line. I call them and the explain that the bill would have been…
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egg money - couple of questions
Hi there Just wanted to double check this one with you guys, Hubby has an egg money card but has been charged interest on his last couple of statments despite having a DD in place to pay off full balace each month - which has happened. ANy idea why he would be charged? Wantd to use his egg money card to pay off my Virgin…
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Victims of PIN based Card Fraud – Read this:
Many contributors to these formus have told tales of woe where banks have blamed them (in many cases without proof) that Fraud committed on their card was their fault as they’d been carless with their PIN. Working Lunch (BBC) carried a video today on this very topic 6 Nov 09 - They Stole My Card & PIN.(Click here for the…
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Security charge to my card
I recently returned from a holiday in a villa in Florida. All of the paperwork for the villa stated my card would be swiped on arrival ($300) but no money would be taken unless damage to the villa occurred. Pretty standard stuff. On my return I checked my card statement and found that the $300 (£194) had been charged the…
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Barclaycard duplicate transaction refund
Hi, I bought a flights only holiday for my family in August, and Barclaycard advised me that the transaction had "fallen off their system" because the vendor (the airline) had not put the transaction through in time, and that I should do the transaction anew with the travel agent. I did that, and the second transaction…
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Can you change the payment date?
Hi, This one isn't for me, its for my partner. Shes being harrassed by a store card company, as she is always late for payments (I have told her to make 2 separate payments to get around this - but thats by the by) as it comes after her payday. She has asked them time and time again for the payment date to be changed, but…
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MBNA to Bank of America
Hi, Anyone know when MBNA cards will be replaced by Bank of America cards? This website states http://www.bankofamerica.co.uk/help-centre/account-rebranding/ When will I receive my new Bank of America credit card? Your Bank of America credit card will be sent to you in August 2009 (provided your account is in good…
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IMPORTANT: John Lewis Partnership Cards - Double Transactions 5/11/09
Some information if you have a JLP Card: Apparently they had a systems FUBAR last night, which has resulted in (according to their CS) ALL transactions from 1st and 2nd November being deducted from cardholders accounts AGAIN last night. They haven't fixed this yet, so you may notice that your card account is a bit emptier…
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0% offer from barclays, but no way to use it???
Hi all. Probably wasting my time, but here goes: I have about 5k on barclaycard @ 19.9 APR I have a default from british gas (a whole other story!) which is about 3 years old, meaning i have a poor credit rating - i have been declined for Virgin 0%, and whatever card Lloyds try and push when you open a new current ac (got…
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MSE News: Barclaycard to fix minimum payment blunder
This is the discussion thread for the following MSE News Story: "Barclaycard has reduced some borrowers' minimum credit card payments to a fraction of their debt this month following a computer glitch ..." Read the full story: Barclaycard to fix minimum payment blunder
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Company credit card from company that has ceased trading
Hi, Until 17th July of this year, I had been working through my own limited company for the past 10 years but due to lack of business due to the recession etc. I had to cease trading as the company could not pay it's corporation tax bill. I wrote to HMRC etc. informing them of this and have just written to companies house…
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Sainsburys Credit Card
Who backs this, is it MBNA? I assume my shell Citi card is not linked to MBNA, it gets so confusing as to who owns what now ....
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Default not appearing on credit report?
Last year I was in a bit of financial trouble, and struggled to make the payments to my credit card, and after a couple of months of non payment, I was sent a default notice and was notifed that the account had been closed. The notice stated something along the lines that if payment wasn't made within 14 days, a default…
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Capital One - Notification to close account without good reason.
Hi, I got a letter in July this year from Captial One to say that as I had not used the account for some time it would be closing within 30 days. However, 3 days before the letter arrived. I had called Capital One and transferred at £5k balance to them and they had happily accepted this and took the transfer fee. I called…
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littlewoods/barclaycard
Hi all, I sent a letter to littlwoods credit card asking for a copy of my credit agreement and they sent me back a photocopy of the terms and conditions, nothing with a signature on, they have also included a letter that reads.........Please find enclosed a copy of your latest executed agreement. This is a statement of of…
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Credit card transfer
Can you transfer a balance from someone elses credit card on to your own card
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Beware of halifax credit cards!!!
I just thought I would share a situation that happend with my credit card as I feel a "wronged" by it, am I over-reacting? For a few reasons this month, holiday, postal strike...... I missed a payment on my credit card. I only had about £300 on there, but my credit limit is £7500. I realised I had missed a payment and went…
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Using a credit card abroad - is it cheap?
Hi all, Just after some advice - Im going to Australia next year, and was thinking of getting a 0% interest free credit card on spending. Am I still going to be able to take advantage of this even though Im spending abroad? Thanks
