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Marbles card - why isn't my interest reducing?
Hi Guys, Firstly I am sorry if this is a really basic question but interest rates and how they work leave me dumbfounded. I have an outstanding balance on a marbles credit card ( card destroyed and not used at all over 4 years ago as I got into debt and have been paying it off as much as possible). My current balance is…
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Barclaycard - Less than 20k income?
Hi, I was thinking about applying for a barclaycard simplicity credit card but noticed that it states you should have a regular income of at least 20k. Does that mean if I earn say 15k a year I shouldn't apply at all as its a waste of a search? My credit status is very good no late payments etc. My brother who lives at the…
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Urgent! New Barclaycard Platinum Error!
Hello Wondering if you could help me again please? This month I opened up a Barclaycard Platinum credit card online. 0% Balance Transfer and 0% on spending, both for 12 months. Did a Balance Transfer from my Virigin credit card for a few hundred pounds last week and used the card yesterday to book a hotel which was a…
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Nectar/ sainsburys credit cards
Hi I was looking to apply for a nectar credit card, but I now realise that there is a sainsburys mastercard credit card and a nectar american express credit card. Is there any benefits to either? I'll always pay off the balance at the end of each month, it's just another way to earn nectar points. Thanks Gemma
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HELP: Santander -v- Financial Ombudsman
Santander have been overcharging me for over 2 and a half years now on my credit card. I complained to the Financial Ombudsman and the Adjuciator upheld my case, they didn't accept, so I went higher to the Ombudsman and they agreed in my favour :j My question is: Does the money they owe me HAVE to go back onto my credit…
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Who to blame??
In November i paid my my high interest Capital One account of £1200 off with 0% interest Barclays card deal,i did this over the phone when i started the card off,but 10 days later when the money had not arrived at Cap one, i contacted Barclaycard and when they read out the number of the Cap one account that they had paid…
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Sending credit card (and other) details
Hi all, I wasn't sure which forum to post this in. I had tried the holiday forum, but hadn't heard much back. I figured that perhaps it's not really aimed at what I'm asking. As a main part of what I'm asking is about a credit card, I wondered if it was worthwhile asking here. Please accept my apologies if it's not. Could…
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unused credit card question
Hi Im new so don't flame! I was offered a new credit card by natwest when i was a student about 2/3 years ago, so i took one out but never activated or used it. I only just found it not long ago and obviously its dis-activated now. Upon checking experian it has on there that i had a credit card and it says satisfactory on…
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Advice urgently needed
Hi all am new to this site, I have just tried to surf my card with barclays, was accepted although with a different card to which I applied for. I have been instructed to sign the contract and send it to them. When I checked the contract it did not state the limit I was allowed to have, I telephoned Barclays, and they…
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car purchase
I'm thinking of buying a used car newer than the one I have now. Obviously I'd part exchange it with the one I have now but I don't have any spare money to put towards it. I was thinking of getting a credit card to pay the excess, (around £5500) can anyone advise me on which card would be best? Obviously I DON'T want to…
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Applying for a balance transfer credit card?
Hi all, Bit of advice if poss. Situation is as follows: - I'm 22, a joint home owner at my address for 18 months. Rented previous address, 1 yr and before that 2 yrs. I have a full time job 16k/annum for 4 years same place + company director and take 10k in dividends. In summer 2010 partner lost his job and set up the ltd…
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MSE News: Tesco moves to fairer foreign exchange credit card fees
This is the discussion thread for the following MSE News Story: "The supermarket giant will stop levying its own, expensive exchange rate, which can add close to 2% to costs ..." Read the full story: Tesco moves to fairer foreign exchange credit card fees
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Amazon Credit Card - Spend + Balance Transfer
Hi, I recently applied for, and received, an Amazon credit card which offers 0% on spending until Sept 2011 and 0% on balance transfers (3% fee) until Dec 2011. I do use the card for spending on, but I have another balance on a Tesco CC I want to transfer in, the 0% period of which ends quite soon. My concern is that…
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Balance Transfer query
I'm looking to apply for a credit card with a view to using it for a BT. Can it make any difference to the amount of credit I get whether I fill in the BT details on the CC application or leave it until after I have been accepted? Hope this makes sense, any info appreciated.
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Defaults gone, still not mainstream?
Hi all, Was hoping the wise heads here could shed some light, and offer some advice. After some back and forth I managed to have two bank defaults (2006) removed from my credit file. Checking EQ and EX and seeing they had gone made me very excited! I immediately applied for an Amex....declined. I then checked the…
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Overseas spending credit card / new BT 0% card
I thought I posted this the other day - but I can't find it when I do a search. Apologies if it's alread on here. I'm visiting the USA in about a months time - for a holiday. I note that applying for a Halifax Clarity card is recommended if I want to avoid foreign currency exchange fees when spending abroad. I also want to…
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Section 75 chargeback help!
Hi, I am thinking of ordering items from another country, but I want to make sure if it possible to claim if somethings go wrong. Basically if I want to order memory cards from a suppliers website and they only sell in lots of say 500 each time and the price of payment is over £100 am i covered of would the single item…
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Queries about SOA
Hi all. I've just filled the SOA on the 'make sense of cards' site and I'm a bit baffled. It shows I have surplus money each month after calculating everything but I seriously don't see how it comes to so much! I've double checked all my out-goings, which I suppose is the easy bit as pretty much everything (bills) is paid…
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Barclaycard lowering my credit limit...
I'm not sure why, they've said due to a bad credit rating, however I don't have a mortgage, owe no money to anybody and the second I need to use my Barclaycard for an emergency the transaction is declined. I call them, "bad credit rating so your limit has been lowered." I don't know what to do, I've been in hospital and…
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Pay off ALL c/card debt or keep small balance
Hi, Sorry if this is a semi duplicated post from DFW thread but I was hoping someone could help with my query. I am in a position to pay off my credit cards,there has been a couple of missed payments lately that DO show on my credit file. Am I better off repaying the cards in full or leaving a small balance to pay of…
