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OPUS credit card
When the Citicard I held was transferred to OPUS I cancelled the card and sent it back with a letter explaining the account to be closed. They duly acknowledged my letter and confirmed the account would now be closed. However today received a letter from them advising my credit limit was being reduced. Are those idiots for…
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MBNA visa or amex cashback application?
Hi all, a friend of mine is considering this card, he has one credit card for the past 1 and half years with his bank, credit limit 3000, spends about 500 per month on it and pays it off in full each month, has a very clean history, hasnt made any new applications for the past 1 year. As a student he receives an income…
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Implications Of Company Car In A Redundancy Package
I was recently made redundant and received a tax free cash settlement of less than £30k As part of my severance package I also negotiated to keep my old company car, for the remaining 2 1/2 years of its lease I now have another job, paying a car-allowance, on which I pay tax at 40% Can anyone advise if there is a tax…
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MBNA Platinum Plus MasterCard
Just wondering what others thoughts are. I was thinking about applying for a 0% 16 mths credit card with MBNA Platinum but after reading their T&C's have changed my mind. In their small print they state that if they reject you they have the right to pass your application around to other lenders who will also do a credit…
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HSBC/Visa Debit card help please
Apologies if this is in the wrong thread but can someone clear something up for me? I've just been on the phone to HSBC to ask if there would be any charges if I bought something from a US website with my Visa Debit card. After keeping me on hold for ages, he came back and said there would be a £9 charge for making a…
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Card Transaction Authorisation Glitch
I bought some car insurance online this week. After completing the application form, I entered my Visa card details and was transferred through to the usual card transaction verification box where you need to enter a password for the transaction to be authorised by Visa. I had forgotten which (of all my passwords) was the…
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can credit card change credit limit for no reason?
New to these boards, hope someone can advise me. I am a freelance worker and 2 years ago had a bad year which meant I had to go into my tax account to survive. When tax payment time came I had no option but to put the payments on my Egg card with the idea I would pay it off gradually. However I only managed to pay a small…
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debt management plan
This is my new account. ============ James
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Help 26% !!!!
Hi, I have a Virgin CCard, had one before paid off no issues. Today I phoned Virgin to ask why my % had gone from 0% to 26%? I make payments every Friday on the dot of between £40.00 -£50.00 pounds, so always in excess of the min payment. Only to be told there is about a 2 week window from the statement issue and the min…
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Credit cards
Hi guys im thinking of purchasing a new car......and was thinking of going down the credit card route........as i was thinking it would be cheaper than the dealers financial options.......but i dont know much about credit cards and how they work...could i spend 17 grand on a credit card...........how long would i have to…
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Problems with ARC europe
HI... have a problem with ARC europe over a debt to EGG card... have asked ARC for copy of my original agreement using template from this site... they have replied to say that they are only debt collecting for Egg and that I should apply to egg .... they maintain that in the meantime they can still chase me for the debt...…
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how often is often?
I know that frequent credit application close to each other is not good for credit scoring. How far apart should the application be to not affect ones credit?
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transfer a loan to credit card... good idea?
we have just taken a bank loan to pay for a new car. My friend now thinks it would be a better idea to get a 0% interest credit card. Has anyone done this? Did it save you money? The total amount over the loan amount we will be paying is just over £700 over 3 years. If this is the best thing to do, can anyone recommend a…
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New mbna Amex cashback
Just applied for this card, having followed the link from the mse email. All went as expected, this little clock/timer thing went round at the end saying processing application, this could take 60 seconds, then I was accepted! The screen said what my credit limit would be, and that I'd get the card in 5-7 days. it also…
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New top cashback credit cards
I currently have the M&S card where you get the reward vouchers. Is the new cards in this weeks e-mail better than M&S reward card? Also i would probuably go for the Visa does it make a massive diff compared to Amex? Can you hold more than one MBNA card? Thanks
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American Express Platinum - being treated unfairly and what to do about it
Hi all, Many of you will be having your old Blue Cards transferred to the new Platinum cards at the moment. Seems Amex have put themselves in the ridiculous situation of not offering the 3 months 5% cashback on people getting these cards as replacements, but they do offer the 5% of you cancel the card you just got and…
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Credit card company offering final settlement-can i demand a cheque?
Further to writing to my credit card company to dispute charges, they have written back offering me a "in full and final settlement" of £360.00. They say they will credit my account and will show on my next bank statement. I want them to issue me with a cheque, is this possible to request? Afterall,this is money that I was…
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What's the best "money transfer" or "super balance transfer" card on the market?
Could you lovelys possibly help me? Ty N
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MSE News: Barclaycard launches 20-month 0% balance transfer
This is the discussion thread for the following MSE News Story: "The lender has launched the longest-ever interest-free balance transfer deal as it strikes back in the credit card war ..." Read the full story: Barclaycard launches 20-month 0% balance transfer
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quick question about credit cards...
Hi, I'm 26, never had a credit card until today. I was in the bank sorting out my ISA and thought it would be good to get one and start my credit rating. Also because I'm going away soon and I wont be charged commission using it abroad. The lady at the bank said that I could just have the card and continue using my debit…
