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Goldfish / Barclaycard Spanking
As I am sure you are aware, Barclaycard have no moved the goal post on required value. As I spend a lot each month through business, the rewards from the Goldfish card was definitely worth having. It seems however, that due to the high merchant fee charged by American Express, a significant number of organisations wont…
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Lloyds Platinum Balance Transfer
Hi, On monday I put through a balance transfer online from my Lloyds card to an egg card as they were offering 0% for 9 months, this transfer is yet to show on my lloyds available balance. How long do lloyds normally take to process balance transfers requested online? Also I called them up today to see if it was showing at…
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Cash Advance Fee - Please help
I recently paid £200 for an online service using my halifax credit card. The website said there is 1.5% service charge for using credit card which i was ok with. However the transaction has been processed as a "cash" transaction and i was charged a cash advance fee of £6 by halifax. Worst is i had a 0% on purchase until…
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Credit Rating for a recent UK arrival
Hello Myself and my wife have recently moved to London from Australia. We want to get a 0% on purchases for 9 - 12months credit card. We arrived in Nov 09, and both have full time permanent jobs earning fairly good salaries. We are currently renting, but we own a few properties back in australia. What would be our best…
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Newbie Q: Multiple Balance Transfers
Hi All, I have £14k on two credit cards, and was considering taking a loan out to make things easier. However, i've just received balance transfer offers from two of the three cards I hold. Capitol One: 0 (of 6500) - have offered 0% for 12m at 3%. RBS: -7600 (of 8000) - have offered 0% for 15m at 2.9%. Egg: -7800 (of 8000)…
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Using CCA template & other templates could the bank cancel my card
Hi hope someone may be able to advise - I think about sending off the CCA template and other templates - following being approached by Delete Claims management who advised they can clear my debts - I've followed advice on other forums on this site and have decided to do this myself I'm worried that my credit card companies…
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Tesco "Finest" Platinum chaos?
Today my wife had a day out in Manchester. She had an appointment at Vidal Sasson first and then intended to go shopping in the big stores. As usual, she had her Tesco Platinum MasterCard (valid 'till September 2010) with her. When it came to pay at VS the card was declined. She rang me for advice and I contacted Tesco…
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Is a Credit Card my answer?
So, Ive been offered a new job, in a new city, I start a week on Monday. So Ive got to relocate, and Ive been looking at flats etc. Ive found what I need. BUT its going to cost. Its a deposit, first months rent, plus agent fees = £950. Now the new job wont be paying for a few weeks. I've looked around, and Im thinking that…
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Advice on getting my first credit card
Hello, I'm 33 years old and I've never had a credit card in my life, I've never really wanted one... but now I feel like I should have one but since I've never had one, it's probably bad for my credit history and I'm not sure which one I could get. Should I go to my bank Barclays with whom I've been for 10 years and never…
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Credit Card - Balance Transfer Dilemma
Hello, My first post – looking for some advice! I have £8.5k on a 0% promotional BT rate with Virgin which will come to an end next month. (card in my name with my husband as additional card holder) Also have around £6k on another BT 0% promotional rate with Bank of Scotland/Halifax. (individual card in my name only) As…
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Money taken from expired card
Hi, in 2006 i signed up to xbox live (annual subcription of 39.99) with my debit card, after the first year i decided i did not want to renew it as i never used it and as the card i had used had expired (6/2006) i expected that to be the end of it and i would not to be charged for the service again. Yesterday however i…
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Annual Purchase Rate
I was looking at my credit card statement online today, and I saw "Annual Purchase Rate 12.40%". Now, I always pay for any amount I've used on the card straight away, so when the monthly statement arrives, it always says I've £0.00 to pay. For example, if I buy something costing a fiver from Amazon, I go into my banking…
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Its all starting to go pete tong...
have three CC's, and was looking to be a CC !!!!!! and transfer the balances and reduce, reduce reduce. Have been reducing the cards down religiously by between £300 & £400 a month. Just tried to do a balance transfer with Barclaycard and was refused. Now, I know that I have been hit with bank charges twice in Jan and feb…
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Claim under Section 75 of Consumer Credit Act
Hi – I am trying to make a claim against my credit card company under Section 75 of the Consumer Credit Act. My HP laptop packed up due to a faultly nvdia chip. It was out of warranty - so I decided to pursue Co-Operative. Their response to all the letters that I have written are saying that it was out of warranty and they…
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capitalone plus application?
My OH just applies online and got accepted, the aggrement said 19.9% apr...... will he get this apr? he had to do a signature online it didnt give him his limit, does anyone know what minium limit is, and has anyone signed an agreement online but got an higher apr when recieveing the card.:D thank you
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What should I do? - AN UPDATE FROM BARCLAYS!!!
Hello hope someone can help. I have had a credit card for 10 years the limit on it is always going up. I never miss a payment. when I got married and tried to open a basic joint account with my husband we were declined based on my bad credit score. I was shocked so I signed up to experian and found the one and only credit…
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Who do I Blame? Amex or First Direct?
I think I've been caught out by this more than once in recent months and just thought it was me, but now I'm getting to the bottom of this... I like both of these companies in almost every other respect, but now I've been charged and I don't know who to blame... When I go to make a payment to American Express from my First…
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0% credit cards for self employed
Hi I wonder if anyone on here can tell me of any 0% credit cards for self employed people. I've just had my brother on the phone who runs his own business and his current 0% runs out in August and he is getting stone walled searching for another. Any help would be appreciated. Thanks Shrewdalx
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Amazon free £15
Has anyone else picked up on the latest from Amazon - well news to me anyway - when you buy goods worht more than £25 @ present they ask you to take their credit card and give you a £15 refund on purchase. We like this!
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I'm looking for a first credit card
I'm looking to build up my credit file by getting a card which i'll buy the odd thing on and pay off in full every month. So far I've tried applying to HSBC who i have a student account with because they said this meant i was exempt from the salary restrictions. i got 'We cannot agree to your request as your credit score…
