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Bank of Scotland....Which deal should i go for?
Hello everyone, looking for some advice please? I have an Abbey credit card with £6.200 still to pay and i currently pay £200 a month towards this. (0% balance transfer ends next month) I received a couple of deals from Bank of Scotland - 0% balance transfer for 9 months or 3.94% interest for the life of the balance. I…
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barclaycard....you now have to reset securecode every month!
or so I was just told on phone. Is this reallty true? Hi new here. I was a very happy Morgan Stanley customer for 8 years then BC took over business. A company I never wanted to deal with. They blocked all my xmas presents. In Jan they blocked a payment for goods I needed desparently. Today my secure code (i hate btw) did…
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Credit Card Advice
Hi All I'm seeking some advice. I know that I will be spending quite a lot of money this year, however I might as well get some sort of reward in turn for spending that money. I'll be paying for a longhaul return flight before the end of March, making a large donation to a charity and paying for a programme of training all…
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Close C/C accounts before applying?
Hi everyone, hope you're all well... Here' my Situation... good credit score, never miss payments, on electoral role etc earn circa 33k.. i have a Barclaycard, which started as astudent barclaycard with a £350 limit but they've gradually raised to £2900 = £0 balance a Virgin C/C with a £4900 limit and £0 balance An Egg…
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Send money to Morocco from abroad
I live in the UK, and at the moment there aren't any easy way to send money to Morocco with less hassle and minimum fees, LLoyds used to have a partnership with a bank in Morocco called Banque Populaire but it come to an end. I heard about Escape Master Card but not sure?:mad: any ideas please. Thank you
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Interest increased on Card a while ago, what happens if i cancel?
Hi, iv heard some conflicting stories so i really need something cleared up, When i first took out my Egg Card with £1500 limit my interest rate was 16.9%, Now over 3 years its spiralled to 26.9% making payments very hard to clear off more than the interest even per month, If i were to ring egg and cancel, how would i have…
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If CC is in credit can I withdraw cash...??
My CC is in credit by £5.00 - my fault because I paid it in full the day before the DD for the minimum was due - the DD was taken because I hadn't left enough time for the payment to register. Can I simply withdraw this money from a cashpoint? If the card is in credit they can't charge me interest surely?? Normally I would…
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Section 75? Am i able to claim my money back? Help!
Hi there, Im new here and clueless!! Basically I have a Freemans Visa card issued by Vanquis bank, I bought 2 pairs of Ugg Boots in the same transaction off of a website, they have arrived and are not even Ugg Boots, just plain Ugg style boots, so obviously fake goods. I also did not realise that they were actually shipped…
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HELP ME PLEASE. How to break contract?
I advised a family to go with a print on demand company for a book. We paid £500 up front on a credit card. Now it comes to light many authors with that company are being seriously "ripped off". The small print of the agreement says: "Commeencement Date" means the date on which we are in receipt of: a) the service order…
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Should I get a new credit card?
Basically, I have had alot of stuff going on in my life recently and lost control of my finances and have decided to try and get it sorted. I only have the one credit card, which is a Barclaycard with a debt of £2359 at an APR of 29.9% (It never used to be this high!). So I would like to know whether or not i should try to…
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MBNA: Random direct debit claims!
Just thought I'd post this up as a warning for others. MBNA just took my direct debit 2 days early, resulting in me being hit with £50 of bank charges (thanks A & L!). When I called, they were kind of blas!, saying that February was a short month! A & L were also disinterested, stating it had nothing to do with them as…
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Charged on a Credit Account I closed a year ago
Hi all, I wonder if someone could offer me some advice; hopefully someone has been in a similar position and could suggest a way forward for me. About a year ago I was a victim of credit card fraud. I got the money back with no problems and was pleased with how the company went about it (it was Halifax, they’re not the…
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Desperate for help...
Hello I hope you can help me, I am desperate for advice and will be very grateful for any responses :o To cut a long story short(er), I thought I was fairly savvy with money and a few years ago was happily card tarting until I had a 3 year long battle with a well known mobile phone provider who hadn't terminated my…
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Barclaycard
Sorry if I am posting this in the wrong place, I just need some guidance asap please! I originally wrote to Barclaycard last June about my two cards with them and the fact that they had been charging me PPI which i never asked for since the cards were taken out. They failed to respond which resulted in me going to FOS and…
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Bank Links
Hi People, newbie here, can anyone please tell me or point me in the right direction to find out if the Natwest Bank is connected to MBNA or American Express ?. Thanks in advance.
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Help!! someone has opened credit card in my partners name!!
Please can someone help!!! we have just found out someone has opened a credit card in my boyfriend name ( 4 years ago)!! we have had debt agencies ringing, we have spoke to the card people and they have said we have to except the debt and then they will send prove!! we have never had the card or statment!!! my partner got…
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Which CC for booking flights to NZ??
Hi everyone. I'm going to be booking flights to New Zealand shortly, for my honeymoon. I'm thinking of applying for a credit card with a 0% interest rate on purchases for as long as possible, and booking the flights on that. Anyone recommend a good card for the job? :p
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barclaycard balance transfer offers for existing customers?
I am trying to juggle my credit card debt to reduce the rate of interest i am being charged as some of the 0% offers I was on have just expired. I just cleared my barclaycard balance in the hope they will offer me a good rate for the life of the balance as I have heard they sometimes do so that I can shift money from one…
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Zero balance advice
I have read in the paper today that if you have zero balance on your credit card, you should close the account, as it has a negative effect on your credit rating. Does anyone know how true this is & why? How can owing nothing be bad??
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Getting first Credit Card?
Good Evening all, Been regularly visiting this site for the past year or so without ever posting but was wanting some advice on a credit card. I have no need to use a credit card to borrow money and have avoided credit cards like the plague up until now! However the case for a credit card is becoming more apparent for…
