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Lloyds TSB
I have just noticed today that my bank is charging me £2.50 each time I top up on my online bingo. I got in touch with the bank and it took the person nearly half an hour to come back with the answer, she then pointed out that this was stated on my credit card agreement and she stated that it was section no 20 my credit…
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First time Credit Card ??
Hi, What you your recommend. I want a Credit Card for the following:- 1). Use for monthly business fuel / travel expenses - alawys paid back on time. 2). Allow / Offer protection for that one off large purchase say a holiday - allow a few months to pay off -rare 3). Easy to use and not high running costs. I've never had a…
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Natwest student credit card - Went over limit
So I went over my credit card limit by about £5 due to a subscription I had automatically taking money from the card. (I did not know that the subscription did this). However, as soon as the money had left the card, I paid back the ammount that was over the limit immediatly. What I'm worried about it 1) Am I going to get a…
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Getting nowhere on RBS Visa balance - any tips??
Hi everyone, I'm relatively new to the site, posted in debt free wannabe board and got some good advice. Basically along with other debt, I'm also struggling with 4 small credit card debts from when I was younger and got caught in the student trap of taking out a few cards with low credit limits, and never paying them off…
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Chargeback for Hotel Booking?
Less than 24 hours ago I booked a hotel in Italy that I wasn't sure I would be able to make. The website states: ""You can cancel your reservation with no charge within our cancellation policies." Today I found out I won't need it, and I went through the automated cancellation procedure through the website. It seemed to go…
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Creation Card Application Line
Hi, Has anyone got a an alternative phone number for Creation card application dept? The only number on there website is 0871 number. Thanks MS
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Santander Zero : Cash cost
I am ordering around £ 1K worth of currency via the Internet and wondered what the cost would be using my new Santander Zero CC as I`m trying to keep it as low as possible. As I understand it , there is no charge for the withdrawal but presumably the interest charge starts straightaway. If so , can I preload my Zero card…
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Applying for a credit card after bankruptcy.
I was made bankrupt by the I.R in March 2003. Business failure. Since then I picked myself up got another job and am generally doing very well. I would like to apply for a credit card just for the conveniance really at the moment my partner pays with hers and I pay her back. But I feel too dependant and want freedom to do…
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How to cancel an order online from UGG fake site?
Hey there i am in need of anyones help, i didn't know where to post this thread, so i put it here My girlfriend has just ordered some UGG boots from a website, which turned out to be a fake UGG website. Shes paid by card (debit or credit, im unsure), and she has now found that she can not access the website to try and even…
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Advice on good first time Credit Card for travelling
Hi there My daughter is 22, and doing a gap year round the world tour. She has not had a credit card before (but has a bank account with a debit card) I was looking to see what would be a good back up credit card for her to take for emergency purposes. She has no outstanding debt, a good (if limited) credit history, and…
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Balance Transfer to pay foreign cc balance
Hi I've just been accepted for Barclaycard Balance Transfer which pays off one card and I was hoping would pay off another card (VISA card my wife has in the USA). Barclays say they only make transfers into the card being paid off, and AMEX is the only foreign card they pay into. Any creative ideas as to how I can use the…
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Amex cancellation query
Hi All, I am considering getting the amex card listed in this weeks newsletter. However I understand there will be a £20 charge if not used for 12 months. I was planning on getting the card and using it until Xmas to get the vouchers. I then wanted to stop using the card. Clearly if I just cut it up and don't use it 12…
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Halifax Cashback Card
I'm quite interested in getting the Halifax Cashback card that pays £5 every month you spend £300. However, i'm not sure if i'll regularly spend that much. Just thinking outside the box :) , I wondered i could pay money into a relative's account using the card to try and make the £300 per month target?
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Transaction Query
If you pay a bill via a credit card that has 0% interest on new purchases, does the bill payment count as a payment or as a money transfer? I'm just checking because the money transfers are exempt from the 0% offer.
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Default notice in error?
Hi, In 2008 we realised we would run into some problems and did the sensible thing and came to arrangements with FirstDirect, Barclaycard and Mint. At the time, Mint was owed £2923.32 and we made an offer of £23.50. They agreed to this but issued a default notice as the amount we agreed to pay was less than the 2.25% of…
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Oh no, what have I done...EGG
applied for and accepted for an EGG credit card (just to improve my credit score) I was going to use it now and then deliberately and pay off in full or near full. but i just stumbled upon this and now I am genuinely frightened that they might do something really nasty to me..…
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WARNING: Sainsbury's Sting for Double Interest
Having just received my Sainsbury's Visa statement today I was shocked to find that they had charged me 2 lots of interest! The second transaction was apparently for Interest Accrued in June 2010. Now here is where the fun begins, because I natually phoned up Sainsbury's Bank to query this and asked why we did not get any…
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Substantial increase in credit limit - should I decrease?
Hi, I have a Lloyds Platimum credit card and have just paid off a large amount of my outstanding balance. They have now informed me that they've increased my credit limit by 200%(!!) however I'm trying to improve my credit rating, and apply for another 0% balance card to pay the rest off. Should I decrease my credit limit…
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credit card charges
Hi i could really do with some help i won credit card charges back from capital one with a company that won them for me and i have had no refund but i have recieved a reciept of refund , the financial company have not recieved the refund and capital one keep telling me that they have sent me a cheque on two occasions but i…
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1880hotels
I paid for a hotel using my TSB credit card and the above company went bankrupt. TSB are refusing to refund and say that I must complete a complicated form and claim through the American courts. I understood that clause 75 mean't that the TSB should refund me?
