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MBNA=Do
I think MBNA are great. I've had a number of credit cards from them over the years. Always had excellent service and a great online system. I had a card with a limit of £24,500 which was handy as a put a lot of business stuff through. Then they did a deal with BMI. So I applied for a new BMI Mastercard and got a load of…
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Best 0% balance transfer offer
Hi all Coming to the end of a 0% 12 month deal with Tesco and would ideally like to transfer the deal to another card. Anyone got any advice for me re the best deal? Thanks in advance.
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Halifax interest charging
Last month I cleared off my Halifax Clarity credit card (I paid off about £300 before the due date). I was happy as this meant it was a zero balance and I could cancel the card. However, today I received a statement through the post saying that I had interest of about £2.40. How can they charge me interest on a zero…
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overdraft and money transfer
Hi, I have an overdraft which I have been in for about a year. I generally end up around £2,000 in the red at the end of each month. Is it wise for me to get a new balance transfer credit card with a year or more 0% transfer interest. If so which card would anyone advise? Thanks in advance.
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MBNA=Don't
DO NOT TOUCH MBNA!!!!! I have an MBNA credit card, which they have put the interest rate up to 34%, when I wrote and asked why this interest rate had gone up 16% they could not give me a reason, but just said it is a variable rate card its gone up. After checking my credit score which was 950+ I basically could not get…
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Opus Card, is this legal?
I really wanted to see if anyone has had the same experience with this Opus Card. I had an Opus card arrive late November, to be honest I thought it was a spamming thing as I hadnt applied for one so cut it up. I have now just received my Citi bank statement and low and behold they have changed it to an Opus card and…
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Calculator?
Edit: this is now a moot point, but thank you for looking :) My lovely O/H put an engagement ring on his credit card this month :love: Now the card statement has arrived :p Not too much of a shocker but possibly worth putting on ice! We do have the money available which is currently earning 2.8%. (Not amazing) Does anyone…
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Barclaycard - Can anyone help with this wording?
Hi Did a quick search and could not see that anyone else has mentioned this. I noticed on my most recent statement that my estimated interest has gone up since last month. I do not spend on this card and my interest is still the same as I rejected an interest rate rise. So I have checked the wording on the back of the…
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section 75 What is covered?
Hi, we ordered a new 3 piece suite from a local retailer, this was delivered recently, on examination we found that the setee was poorly made, and have complained to the retailer, providing him with photos of the defects. We are awaiting a reply from the retailer. My query is, as we paid by Mastercard, do we inform them…
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Moral question
Here's a quandary for a Friday lunchtime: A colleague of mine has been on sick leave for a couple of months, and I have access to her emails so I can pick up any work that needs doing. However she has recieved a few emails from a credit card company saying she owes money, and it's increasing each month. It's not huge…
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If you dont pay by DD check your payment dates!
I have just received a credit card statement that was posted on 9 December and it's only just arrived. Clearly the post still has a backlog, at least in my area. Payment due date was yesterday. I pay by DD so it's not a problem, the payment went out yesterday, but for anyone who doesn't, I'd suggest you make sure when your…
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Homebase not accepting credit card payment
Hi there. I wanted to pay my outstanding balance to Homebase by using my credit card in order to avoid 29.9 APR. However, they state they only take payments via debit card. Is there any way around this? Thanks in adavnce.
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Promotional 0% rates for existing customers
Hi This is in similar vein to the 'unofficial balance transfer deal' thread already going but for 0% purchases Does anyone know of a company that will offer this to keep existing customers. I have 3 cards (Barclaycard/Halifax/HBOS) with no balance but huge rates. I am after 0% for 6months+ and instead of getting a new card…
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HBOS screwing us over or not?
Hi folks, first post here. Please be nice if I'm not posting in the right place! Just looking for a bit of advice on our credit card drama. I'll try to be brief.... Ok, so we took out a CC with HBOS just before last xmas to take advantage of the 9 month interest free offer as we needed to get some new furniture as the…
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Orange Credit card / BHS card?
Hi I wanted to know that as both of these cards are administered by Barclays bank PLC. do they allow applications from students? Whom state their income? As I know some lenders dont like student employment status and will decline immediatelt resulting in a wasted search. Does any other student on here have given either of…
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clearing an overdraft?
Hi, new as of this minute. Would apreciate any advice on how to clear, pay off or move an overdraft. Have no credit cards. Have no loans. Have 3 store type cards at builders merchants. Have a £5k overdraft which charges me approx £60/month interest. Question: Is it possible to move the overdraft to a 0% balance transfer…
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Nationwide/virgin cc
hi all - after ringing nationwide to see if they do zero % balance transfers for existing customers the answer was a no. Does anyone know if virgin do these promotions please for existing members or am I being a bit cheeky? currently I have a debt on the virgin which is due to expire with the zero % interest.
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Anyone have an address for Barclaycard?
hi, just wondered if anyone has an email address for Barclaycard? I used to have a set amount repayment agreement with a debt management company, but i have left them and want to propose a new repayment myself, does anyone have an email address? failing that an address to send a letter to. Many thanks
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additional card holder transfers?
I am the additional card holder on my husbands credit card, but it is me that handles the budget and bills (big mistake!)> We have over £3000 on a credit card and at moment are managing to pay back £100 a month. I want to transfer to a 0% credit card will I be able to to it as additional card holder or would my husband…
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What is the advantage to paying by Credit Card????
paid for my hoilday with my credit card in April. The holiday was then cancelled as the holiday company went bust. I have been told by Lloyds TSB, my credit card provider that they have no obligation to keep the payment on dispute until I get a refund and now, as the payment has come off dispute, I have to pay the interest…