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CapitalOne........WHY!!!
On my account it states...... Access to your Online Account has been changed. To discuss your account, please call us on 0800 952 4966, if you are calling outside of the UK, please call us on +44 115 993 8002. Calls may be monitored/recorded for training purposes. I phoned up, call centre in India. She said "Do not worry…
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Credit report advice pls
hi all not sure if this is in the right place but am looking to pick someones brains - I have applied for a new bank account with the Halifax, been a customer for years on the easycash account and want to move on to a current account now as I do need the facility for writing cheques - no overdraft wanted tho I was refused…
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Is the Virgin / MBNA decision process the same?
In other words, if I am rejected for an MBNA-branded card, will I automatically be rejected for Virgin? Looking for an SBT card. Thanks, Mel.
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Re-mortgage for credit card debt
Does anyone else think it is a good idea to release some equity from a property to pay off a card. I'm looking at around 10k to borrow. Rates will no doubt be cheaper. Thanks
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refunds on a creit card
I have a LloydsTSB Airmiles Amex card and have recently been given a part refund from a transaction. I asked Lloyds Card Services if I could deduct the refund from my next payment (I pay in full each month) and was told that 'a refund is not considered to be a payment'(?), and if I deduct it I will be charged interest as…
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tickets bought online with VISA via a company that may no longer trade
Hi I am new so if this is the wrong location for this post, then please direct me in the proper direction. I have just bought tickets for a basketball game in the states in october as a gift for somebody. I bought them on my credit card just 2 days ago. However after doing some checking online, i have found a couple of…
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Difficulty Obtaining Credit
Hi all I'm looking for some advice in my first post on Moneysavingexpert. I've been trying to get a credit card for a while without success. I applied for 2 (tesco credit card & Post Office - I was going overseas) about 6 months ago and got declined, however I believe this was due to my electoral roll and bacnk account…
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Copy of Old Credit Card Statements
Hi there, I'd be grateful for a bit advice. I need to get copies of 17 months' worth of credit card statements between mid 2005 and end 2006, from 4 different card companies. I have phoned the companies concerned and found this could cost around £300. I have read on other threads here that I can get this information using…
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Paying off a Lloyds TSB Credit Card - the easiest way
Hi there, I have a Lloyds TSB Credit Card (well for the last five years, I've NOT had it, just the large bill!) Currently I owe £9,675, which I'm paying off at £75 a month under an agreed amount. Now I wish to pay that off and close the account FOR GOOD, and wonder the best way to go about it. Is it simply to ring up, pay…
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Paying off credit card for good
I have had a lloyds tsb platinum card for around 10 years, the bank talked me into it when I was 18 - I have always earnt good money and have enjoyed a good standard of living and therefore been fortunate enough to make strong regular payments off the card. Including owing a massive 15k and paying it off. The card has now…
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A little help with credit cards (super balance transaction?)
hi all first i would like to say thank you to people in the forum - you have saved me a small fortune over the years. i would like to buy a new car and i am currently saving 500 pounds per month, i was wondering if i could get a credit card with 0 per cent on balance transactions and borrow about 5000? but the balance…
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Amazon Credit Card
Today I had my statement for my Amazon credit card. I have never had a problem with them before. I spend a small amount on it and pay in full every month. Last months bill was £17.30 so I paid in full (by cheque) on the same day and posted it off. Today I had been credited with £14.30 and charged for not paying the minimum…
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Advice needed to help clear credit card and overdraft please.
Hi I'm just looking for some advice. After being made redundant i've run up a debt of £1500 on a virgin c/card and £1000 on an overdraft, i'm wondering if anyone out there can give me some advice of the best way to start clearing it, i've repaid over £500 off the c/card but the 0% interest free period has now ended, the…
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Best Bank Account for me (details inside...)
Hi all, sorry if this is in the wrong place, but I couldn't find anywhere more appropriate. I've finished my A Levels and am now on a Gap Year before going to Univeristy. I plan to work during my Gap Year (as opposed to back packing around third-world countries...spare me!) and at the moment have just a normal current…
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Does Barclay's still offer a student credit card?
I have the student account and when going to apply through online banking the apply button doesn't appear - it says it's below which it isn't. Anyone know?... Is it something you have to go into branch for now? Thanks
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Barclaycard Unwilling.........
Having been accepted online for a card last week, I activated it successfully this morning (the telephone message told me so). When I called this afternoon to make a balance transfer I was put on hold for 20 minutes, then the FRAUD DEPT answered. Took me through security and told me they had closed the account. I have not…
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Redeeming points from my Lloyds TSB Credit Card
Hi folks I have a Lloyds TSB credit card and every time I use it to make a purchase, a certain amount of points are added to my account. I can redeem those points (which give me a 10% discount) by making purchases from selected retailers. For example, if I buy an item for £50 then by using 50 points from my card, I only…
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Employment details for credit cards
Hello, I am looking to apply for the egg money card and a barclaycard in order to do the card trick to get a quick interest free loan of around £1500 to help pay my security deposit and first months rent on a house for a new job I am starting. My question is do I have to put my employment as my current, temporary job or…
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Barclaycard alledged debt by HFO services
I believed i had paid off my BC account in full way back in Mar 04. I have now received two letters from HFO, a debt collection company, I have told them that I am disputing the debt yet they have said that the interest on this debt will still be added. Question is: what course of action can I take as I believe that I had…
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M&S credit card reward vouchers
I was wondering... Those of you who have M&S credit card and collect M&S reward vouchers, do you always spend them in store? Have you ever bought anything with them and then had to return it to store? Did you get paper voucher or gift card back? Have you ever tried to sell it on Ebay or something?? I have some vouchers and…
