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Have I defaulted?
I'm confused. :( Please help. I have missed payments on two of my credit cards in the last 6 months (Halifax 1 month; Barclaycard 2 months). I have now paid all arrears and am making regular monthly minimum payments. Both of the accounts are 'closed', meaning that I cannot use my cards. Does this mean that I have…
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Barclaycard Platinum Questions...
Hi there, I've just been accepted for a 'Barclaycard Platinum with Purchase' credit card, and I had a couple of quick questions to make sure that I get the best out of the card. On the details page, the 'Summary Box' states that there is an Introductary rate of: However the 'Interest Free Period' states: Am I right in…
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HELP! - Tesco credit card
unfortunately due to financial restrictions I am having to apply for a credit card. At the moment the best one that I have found is the Tesco Credit Card with 13 months 0% on purchases. So, what does this mean? and if i was unable to pay off a monthly payment in full will i receive a charge within those 13 months? any help…
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Lloyds refuse credit card but will give a loan???
Hi all, My wife and I went into Lloyds today to sort a joint account and I asked about a credit card for my wife to build her credit score for when we apply for a mortgage. They had just done a credit search for the account and the woman said they wouldn't be able to give my wife a credit card (no reason given) but a loan…
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Should I pay for a holiday by credit card or debit card?
I have to pay the balance on a holiday this week. The company will charge 2% for payment on a cc and as I have the money in the bank it would make more sense to pay it by debit card. Is there more protection in paying for it by cc though? i.e. if the company or airline went bust? Is it worth the 2% etc (its about £9000 to…
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citicards
hi have sent first letter to citicards for reclaiming charges, it has now been nearly 3 months they have cashed my cheque but still no response, have sent another letter after the forty days were up but still no response!!! please do anyone know the phone no for me to call them!!!
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Refund on to pre paid card ?
I bought a train ticket with my Kalixa pre payment card. The train company double booked the ticket and charged me twice. They have accepted the mistake and said they would refund the overpayment back on to my card. Should this be a problem with it being a Kalixa mastercard pre paymentcard or would it work just the same as…
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PayPal Credit Card online access blocked (Santander Cards)
I have had a PayPal credit card for a couple of years with no problems. I am now unable to access my account online as I get a message that "You have not activated your account with us. Your account must be active to register for Online Account Manager." I telephoned the so called help line and was told that my card was…
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Reducing credit limit every couple of months
I am currently paying back the min payment on my barclaycard cc every month and every time the balance reduces my £200 i reduce my limit. Does this help how much available credit is available to me? How soon does this show on my credit file?
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Barclaycard Contactless
Does anyone know if exiting barclaycard credit card holders can get contactless technology? I called them today twice to see if I could get a new card with the technology in it. The first person I spoke to didnt know what I meant and hadnt seen the adverts! The second person said that my card (which is 2 years old, as I…
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Best Credit Card for improving my credit score
hi just wondering what the best card is to get to improve my credit score. It is poor at the moment and want to improve it dramatically. If I am successful in obtaining one i will be paying it back in full each month. Thanks for looking MB
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can any one help
At present i have 2 Credit card, details below. Virgin Credit Card – 0% until Feb 2011 – Current balance £900 Halifax Plus Credit Card – 16.8%APR - £4,200 i have £1000 Premium Bonds which i purchased in 1975 (kind have forgotten about) and £4,500 in a savings account. Should i look to transfer credit cards, or should i pay…
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prepaid credit card with direct debit?
Hi, I need a prepaid credit card that also has direct debit facility. I know that you normally can't, but I would really appreciate if any of you could suggest one or two. Thank you! Karl
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no reply to CCA september 2009 - court action
Good Evening This is my first time making a post on here, but have used the site in the past to gain useful info. My problem is as follows; I sent a request to MBNA in September 2009 in line with the CCA requirements for them to disclose all info, signed papers etc on my account (after reading about it on this site) it was…
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New payment hierachy & Santander Zero - just pay cash balance only?
Hi, I have a Santander Zero that I will now use both for cash withdrawals + purchases abroad. Say I made a cash withdrawal of £16.20 and a purchase of £28.40 when abroad. I know cash withdrawals incur interest right from the day of withdrawal, so I would definitely pay off the cash withdrawal ASAP. Question is, do I need…
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Paying Mortgage on Credit Card....!
I was reading an article fairly recently regarding paying a mortgage on a credit card. I have plenty of funds to pay the mortgage out of my account but what about paying it on say a Tesco Clubcard to earn points? Has anyone done this?
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Transfering over drafts?
Hi, Hope someone can help... I am looking into transfering my over draft depts onto a 0% credit card transfer. Can I pay the overdraft off with a credit card and still get 0% balance transfer, or would that be classed as something else? Please help, this is all alittle confusing to me? Thanx
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Help! Transferring balace v consolidation
I have nearly £4000 in credit card debt and live in my overdraft. I think despite this i have a good credit rating as I always pay on time. Hence why I live in my overdraft I imagine. I have been paying the minimum on these cards for years, but not going anywhere due to lowish paid job and living in London etc. Want to…
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Visa Versus Mastercard
Hi, Can anyone tell me does mastercard have the same purchase protection as visa? For instance paying for holidays when company goes bust Visa covers the cost when the holiday is paid for with card, does the same apply to Mastercard? I cant find any info. on that.
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Lloyds Credit Cards Balance Transfer Amount...
Just applied for an card through online banking, and when it asked if I wished to balance transfer, it said you may balance transfer up to £6500 (in bold). Is this the maximum allowed via balance transfer or is this some sort of limit that has been calculated for me??
