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Barclaycard - pay by date mistake?
Just checked my Barclaycard platinum account online. Statement date: 16 December 2009 Payment due by: 19 January 2010 Seems odd to have over a month to pay....normally it's a day under a calendar month. (ie in this case 15 January 2010). It's as if they've added days in respect of bank holidays....
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How many cards is too many?
I have 4 credit cards with no balance on them: - Barclaycard - £6k limit - use daily for cashback and protection - MBNA - £6k limit - backup card; use when I travel abroad as Barclaycard tends to get declined often - due their stupid fraud detection system - M&S - £2k limit - I applied to get 12 wine bottles they were…
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Im poor trying to clear Credit card debt
Hi Guys This is my first post I have looked for some answers but nothing very obvious for my situation sorry if this was covered and I missed it. I had a business that has recently gone bankrupt or liquidated and has resulted in my racking up lots of personal debt as I wanted to pay staff for work done etc and there was no…
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help needed to get another credit card
I would like to know how people get new credit while they have multiple searches on their credit files. Cut a long story short I had CSA problems so I moved in at my address 3 years or so ago, but I only registered on the voters roll in September on the rolling register. Since then I had 26 searches on experian, 14 on…
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Closing Accounts - What have I learnt
I closed several cards recently and thought I would share my experiences of the service levels I received: Nat West : Simple, cancelled with one phone call and letter received confirming within 7 days. I would expect this from a major bank. Overall service level average, web is via NW online banking so not great. Egg: No…
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MSE News: The '0% store card' that's not 0%
This is the discussion thread for the following MSE News Story: "A store card claiming to offer a 0% annual percentage rate (APR) actually charges over 139% on some typical borrowing ..." Read the full story: The '0% card' that's not 0%
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Credit cards with nil balances
Due to an inheritance received I have been able to settle all my credit cards. I presently have four cards, all with nil balances. Naturally I will close three of them. I don't intend on using the fourth, but will keep it for emergencies. My question is, the card I want to keep has a limit of £2000. Would it make any…
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Barclaycard to 0% virgin
Hello, I'm looking for help on credit cards. I don't have any as I don't believe in debt, but unfortunatley my daughter has got her self into a bit of debt. She has a £2000 debt with Barclaycard which has a purchase rate of 14.9% and a cash rate off 27.9%, I am going to pay £100 per month off it. I paid this months £100…
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Credit card mimimum payments
I have an MBNA card with a balance of around 11, 000 pounds, interest has been suspended on it and I was paying 122.00 pounds a month off. I cant afford to pay that at the moment i am self employed and work and money are tight at the moment. I have offered to pay 75 pounds for the next few months , but MBNA say this is not…
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£20 Annual fee for barclaycard cash back
i recently got this card(about 3 weeks ago) and when i applied for it no where it said there is 20 pounds annual charge. maybe it will be hidden somewhere in term and conditions.but i didnt see it shouldnt they make it clear like banks do for some bank accounts whwere it says if you get silver account you have to pay 6.99…
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Lloyds made error, now I need to work to get refund
Hi guys, Not sure if I'm being petty and annoying or not? Anyway, I opened a lloyds platinum mastercard in oct when I visited the branch, she sold it to me as 0% on purchases for 3 months. Unfortunately the 0% hasn't happened and they don't seem to be able to add it to the account now. I've had the first months interest…
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Flybe
Well chuffed ...... 4th month of havin card and they given me nice little credit limit increase without me having to ask. Was a bit surprised when statement came through because I didn't realise they did increases automatically but twas a nice wee surprise :beer: :T x x
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Halifax Credit Card Repayments Cover
Hi all, New here and want to say thanks for compiling and having such a fantastic and informative site. As per post title, I would appreciate any advice. To cut a long story short, I took out this cover several years ago and have never needed to claim but i am now in a situation where I do. I left work back in may due to…
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Just moved
Hi all, I have just moved house (from one rented place to another). I was wondering what sort of time period I should leave it till I start applying for credit again? I was at my previous address for 5 years. I was thinking maybe 6 months? Dont want to waste silly searches if its just going to be a case of thanks but stop…
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credit card fraud my rights
my daughter had her details used from a previous address The perpotrator ran up some debt on a card in my daughters name . This came to light when the police in formed her, but would not tell her who or how much The police informed my daughter that it should not affect her credit rating ,which i might add is 1st class . On…
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£2 Statutory Credit File - not showing CC
I just got by £2 Statutory repory off Equifax. I provided my address that I have lived at and been registered to vote at for 7 years. My old/linked address are shown on the report I received, but not 2 of my credit cards. These are still registered at my previous address (parents place - haven't bothered changing these as…
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question about fraud liability
Hi, Does anyone know if all credit cards have to reimburse you for fraud if you notify them promptly if you notice anything suspicious? I've noticed some credit cards offer 'Internet' fraud guarantees while others offers fraud guarantee for both online and offline shopping - so does the level of fraud liability they'll…
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Halifax jokers
My Halifax cc fell into arrears in August when work dried up. I've been makiing my usual monthly payment but the arrears built up over a couple of months to £500. I've had a claim upheld for missold ppi, and with 8 years of premiums, there should be a fair bit coming my way. The day after I was informed they were refunding…
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Contact details for Capital One
Hi All, just a quickie - has anyone got a contact telephone for a 'real person' at Capital One in the UK? I used to have the number of a lovely lady in debt management and seem to have lost it. All telephone numbers i can find seem to patch me thru to foreign call centres and I have just had a right row with 'ann' in one…
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Using Citicard abroad
I've just left the UK for a few weeks abroad I'm planning to use my Citicard CC for some purchases (airline tickets, hotels, etc) but i haven't used the card for about 12 months I have plenty of available credit etc but I have not bought my mobile phone from the UK I'm just wondering if my card starts to become active,…
