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Order of payments on Lloyds Credit cards
Can anyone tell me the order in which payments are made on a Lloyds credit card for a new balance transfer. Lloyds do not seem to know for sure! So thought I woudl ask here, as I thought the law had now changed. Bit concerned as they charge interest on the fee, which assume is at 19% or thereabouts!
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Closing credit card account help please
We are going to be paying off the balance of 3 credit cards this month and I was wondering how you go about closing the account? Do you ring them or do you send them a letter? And say when my bills come in cos I havent had them for this month yet, if I pay off the total amount showing on them, will there still be a little…
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Completely new right here, I just wanted to say hiya
I am excited to be one of the new members in your forums, and i hope I will find adequate time and energy to stay around.
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Credit Card Help - totally newbie!!
Please respond on the basis that I have no idea about credit cards! My issue is this - I need to pay off my holiday by 3rd February and don't have enough to do it and therefore am considering a credit card which I will pay off within the 12 months interest free. The only thing is, I have NO IDEA what credit card would be…
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Improving credit rating with card. Do I need to max it?
I got a credit card with Vanquis mainly to improve my credit hisory as I don't really have one at all. Since this is my aim my question is this, does it matter how much I spend on the card? or is it all the same? If I buy a coffee on it every month and then pay it off will this improve my credit history or will I need to…
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Looking to pay off loan with credit card
Hi all, Was wondering if this was a valid option? The Tesco card is currently 0% on purchases for 12 months and would cover the cost of my loan, but would paying a loan off with a credit card count as a balance transfer or not? This may change things. Debt is 5.5k and may not be possible on a BT? Help? Thanks.
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barclay card help
i recently applied for a barclay credit card an was accepted. When i whent to activate the card i was informed that my accout had been cancelled as i no longer fitted they requirments. now i have an entery on my credit report saying that i have an account with them and they wont remove it anyone have any ideas what can do…
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barclay card help
i recently applied for a barclay credit card an was accepted. When i whent to activate the card i was informed that my accout had been cancelled as i no longer fitted they requirments. Know i have an entery on my credit report saying that i have an account with them and they wont remove it anyone have any ideas what can do…
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Cannot get Mastercard Conversion site to work
I have tried this site on 3 different browsers and can't open the drop down to select the date and nothing is appearing in the currency box either. Can someone check if they can get this site to work and tell me what the euro rate was on 4 January please?…
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EGG Credit Card - ISSUES!!!!
Hello everyone, I'm new to all this so apologise in advance if I mess this up etc. But I have a query and I am really stuck so I thought I'd throw it to the collective. Story is this: I opened an EGG credit card in 2006, in 2008 EGG claimed that they contacted me about being taken over by Citi and they closed my account.…
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Barclaycard help!!!
after an offer from barclaycard , for unfair charges on my credit card account , iv had my first offer............ does anyone know how they repay this? iv heard they pay it to the balance of the account (which i dont want) i want a cheque for the full amount to go in my current account really need advice on this matter ,…
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HSBC reducing limit
I have had a HSBC credit card for around 30 years and a GM card for around 15 years. I have never had any problem with either. As GM is closing down, I gave in to Halifax and let them send me one of theirs to replace the GM. Halifax have been ringing me monthly and pestering me every time I go in a branch, saying I am…
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Refused 2 cards applications with perfect 999 score??
Hi Folks. I applied for the virgin card today to transfer a couple of balances and keep my interest at 0%. I didnt realise they were part of MBNA so when I was rejected I assumed, after finding this out, that it was the reason. So, I applied for the Tesco one and was rejected as well... I have a perfect credit score…
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Reclaimed Barclaycard Charges
hey all iv recently tried to reclaim my barclaycard charges and they have came back with an offer of £797.78p hooray you say and so do i problem being iv just been told they will credit back my barclaycard with this money if i accept , which i dont want? i have arreers on the account and i know they will take them away…
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Credit Accounts - Question
Hi, I'm new to these forums (although I have viewed for some time) and I'd like to ask a question which I couldn't seem to find an answer for. I'm not entirely sure this is the correct forum to post this but here we are: Which is "better" to have: A large gross total of credit, unused or A small gross total of credit, with…
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Holiday refunded, now they want it back
This may sound like a stupid question but we recently went on holiday and had a bad time with lots of issues. The lead group member wrote and complained and we were refunded the full amount. This was in November. Now the holiday company say they made a mistake and they want it ALL back. Is this acceptable?? Im not really…
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Halifax - 0% offer after closing account 9 months ago
Hi - I'm an existing halifax current account customer. I previously had a credit card with them but closed the account around Feb/March (10 months ago). On my online banking they appear to be offering me 0% for 9 months again if I take a card out. Had a look at the brief terms but cant see anything about old customers not…
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New rules on credit limit increases? When do they come into effect?
Back in 2009 + 2010, there were changes announced by the governement that would require credit card companies to notify the consumer of any unsolicited increase in their credit limit and to give the consumer 30 days to opt out of the increase. I did see an article (http://news.bbc.co.uk/1/hi/8567677.stm) that states the…
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Viking Airlines - April 2010 Ash Cloud
Hi, New here. I have been trying to get refund from Viking Airlines for accommodation/meals etc for my party of three stranded for 4 days in Malaga due to the ash cloud . As you may be aware, Viking is undergoing "financial restructuring" and has filed for bankruptcy protection in Sweden. I have been considering trying to…
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MSE News: Credit card payment trap ends
This is the discussion thread for the following MSE News Story: "A major credit card shake-up will be complete this month with all providers set to stop penalising those who spent on their plastic after making a balance transfer ..." Read the full story: Credit card payment trap ends
