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Credit card fraud
17th of this month £300 was taking at my account at 11:45 and then at 00.10 on the 18th of this month £100 was taking out. This was done at a cash point in my town useing my pin. I did not do this and did not give permission for any one eles to do this. I still have the card altho its now been canceled. Am I liabel for…
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How to calculate the APR on a credit card
I have a Virgin credit card and knowhere on the statement does it state the annual precentage rate. Does anyone know the formula for calculating? Currently the monthly interest rate is 2.2071% I am just trying to do a more accurate SOA but need the annual APR for my calculations. Many thanks in advance.
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Multiple 'Barclaycards'
I already have a Barclaycard and a Thomas Cook partner card underwritten by Barclaycard. Am I correct in thinking I can have multiple partner cards but only one Barclaycad branded one at a time? thanks
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Statute barred / default question
Sorry, prob in wrong place, but here goes.... Agreement taken out in Jan 2004, stopped paying it in July 2004 as suddenly realised I was pushed into an unaffordable consolidation loan from NatPest that was crippling me. Looking though my credit report, I see that it took them until August 2006 to default me! Now, as the…
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does being turned down for a card effect your credit rating?
I am trying to take control of my debts- All of it spread over 3 credit cards- one 0% recently applied for) one 6% (until March) and the other is a lot higher. I want to apply to do another 0% balance transfer but I am worried if I do apply for it and I get turned down it will affect my credit rating. The last time I had a…
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'Compromised' card
I've had an M & S card for years, use it a lot and always pay it off if I can, no lingering debts. Yesterday I wanted some stuff for my new house so went online and ordered from one website, just over £1000 - no problem. Then went to another for electrical items, £1279 but couldn't checkout, kept getting 'error'. While I…
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How to use 0% for purchases under £250/over £250 offer with different end dates?
So my MBNA card has a O% interest on purchases offer on purchases made before 28th February. For purchases under #3250 the 0% lasts until April, over £250 it lasts until June. So is it the case that the only way to access completely interest free balances until June I would have to only use the card for purchases over £250…
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Mistakely credited on cc account, what to do
I have been mistakenly credited £993.XX on a credit card on 24th November. What do I do?
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Halifax 0% offer - can I pay off balance and make another 0% transfer?
Merry Christmas everybody! I have a 0% existing customer balance transfer offer from Halifax (the previous 0% rate ended only last month). The offer expires on the 31st of December. Another credit card (Virgin) 0% period is about to come to an end. Would it be possible to pay-off the Halifax card (from my current account)…
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Barclaycard - dodgy website?
Just went to log into the Barclaycard Website, and it failed, twice. Thought it was weird, was putting my details in a third time and thinking maybe I'd changed the password and forgotten, when I noticed it was requesting a passcode of 6 digits. The last time I logged in, the passcode was 8 digits - has been for ages…
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Gift vouchers expired
Hi guys, My sister just found gift vouchers for House of Fraser that I gave her for Xmas 2 yrs ago. She went to shop in sale online today and apparently they expired?? It is month short of 2 years since I bought them.. House of Fraser doesn't want to know. I bought them on a credit card. Can we claim the money back or…
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Money transfers on Virgin CC
Hi all, just a quickie... I recently acquired the Virgin CC to carry on my CC tarting. I had let it go a bit so had been paying a bit of interest on my CCs - came about because when I applied for a new CC originally I didn't tick the box that said I would be balance transfering so it looked like I was looking for extra…
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Will the fast stooze return?
(sorry this thread should be in the stooze area) Hello all. I have a question for your consideration. Will the fast stooze (money in high interests savings being shuffled around via 0% balance transfer deals) one day make a comeback? Sure at the moment most believe it's not really worth the effort for the return (given the…
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Is having unused credit cards a "bad" thing?
Sorry but i'm aware this could possibly be a fummy question... i just don't know the answer. Way back when i was starting out i was told that to help build a credit rating/score, you could take out a credit card & pay it off in full. I did this with who i banked with at the time - Nationwide. I've since got into stoozing &…
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Mastercard - Transaction Dispute
I have recently made a purchase from a website online which I thought was legitimate. However a few days later when I was looking at my Bank Statement online, the description of the transaction lists a completly different company name and also has converted the amount to British Pounds from Chinese Yuan. The company which…
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Should i get a credit card to build a rating?
Hello all, im new to the forums. I've never really liked the idea of credit cards, however i've got my first job and wondering now and wondering if i should get a credit card and buy some things with it i have money saved for, and pay back before any interest in the hope that it will build my credit rating ? Im not to sure…
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Please help needed with credit cards
Hi people I have recently got a capital one credit card with a limit of 200 and a vanquis with a limit of 800 can i add more money then my credit limit for example on capital one its 200 can i add 1000 and if i can can i shop with the money are alll credit cards like that or credit cards dont allow to pay over the given…
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Cabot Financial help please
I know it's Christmas and i'm sure all of you have better things to do than to read this thread...Happy Christmas anyway.:) I owe Barlaycard £6000 since nearly six years. In 2004 i became permanently disabled and i agreed to a token payment of £1 per month. This increased to £10 in 2007 and i always paid it. Yesterday i…
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Where can I get a UK offshore secured credit card that reports to the credit agencies
I am currently in an EU country and in 18 months I plan to move back to the UK which I am a national but not a currently a resident of, and I expect to need loans for tuition fees, so I want to build a good credit rating so I can get them. Banks here do not report to the credit agencies so cards I get here wont help my…
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Vanquis direct debit screw up since switching to Santander
[FONT="]I had the Vanquis card for just under 2 years now which I used to pay off every time in full. I was tempted by the £100.00 offer to switch my current ac to Santander and I thought everything went fine. All my direct debits went through with out a hitch except for the one concerning Vanquis. This dispite my…
