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V Confused - Help!
Hi, can anyone please offer advice? I have a vanquis credit card which i have had for a few years, Stopped using it June 2008 and have always paid the minimum payment by direct debit. I was silly for getting one but it did repair my credit rating and i was offered a 6k HSBC one after a year of having the vanquis one. I…
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Interest on late fee
Hello members, I was charged a late payment fee of £12 on 01/03/11 on my credit card since my min. payment was due on 28/02/11. However, on seeing the late payment charge, I immediately called up my CC bank and explained them the issue. After not so much of fuss they happily said they would refund me the late payment which…
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Visa Credit Card Debt
I took out a co-op credit card about 10 yrs ago, after about Two years the co-op banks closed leaving me know where to pay the debt. As i was leaving the country I tried to pay the account off over the phone and was told that I could not pay it. I waited several months for a Visa bill to land on the mat, which never…
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Puting Car Finance on to a interest free CC.
Guys, I have car finance which runs out in about 17 months and I worked out if I payed it off now I could save myself £300, its not much but £300 is £300. So I was thinking is there a way to transfer the balance of my loan on to an interest free credit card? I know you can balance transfer from a credit card to another…
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(Probably stupid) question about 0% credit cards
I am planning to use a 0% credit card to pay some of the balance when buying a car from a dealer. When looking at the terms of both the Tesco and M&S cards they both say something along the lines of: Purchases - 0% for 13 months from account opening but then further down it says Interest free period - Maximum 51 days for…
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MBNA American Exp Cashback Credit Card
Hi there, just wanted to know if anyone is tempted to apply for the above card as mentioned in Martin's tips webpage. is this lucrative offer? i don't see any annual fee for this card. thnx
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Paypal payment on card
Dear All, I have a credit card with Cooperative, which I have had for about three years. Late last year, I paid off the remaining money outstanding on there (around £1300) and forgot about it. I was going to close it all together, but thought I might be better off leaving it open but not using it. In December I got a…
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Training whilst on Jobseekers Allowance
I currently work part time on a fixed term contract. My employer has told me that I either increase my hours to full time or leave. I'm gutted and feel they have treated me pretty unfairly for one reason and another but I just want to move on. I had been hoping to return to college part time in September and this job was…
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santander credit cards
i have been having trouble with my asda credit card since santander took over from ge money the latest problem has been in feb 2011 my account closes on the 24 on each month in feb they moved this to 02.march 2011 i have spoken to them on the phone and they say it was an IT problem on many accounts in that month and that…
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0% Purchases into current account
Hi, Is there a method of converting 0% purchases available on a credit card into money I can transfer to my current account? I know I can do a money transfer at a 1.5% rate but looking to utilise the 0% for 13months offer I have. Any help will be appreciated. Thanks
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Section 75
Hi all, Can anyone advise whether I am covered by Section 75 with this problem. I have ordered two tyres with an M&S credit card online there was a delivery charge for the tyres that was also paid with the credit card. Total paid inc. delivery £108. While waiting for delivery of my tyres, a courier arrived at my door with…
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Smile / Coop Online Service
Does anyone know if they are due to get an update to the online service anytime soon. Its the worst online service i use by far, really irritating to use compared with some others. When you look at what over card providers do like PIN online and the really good interfaces and then you look at Smile or Coop its like…
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Post Office card for Student?
Hi I am currently a student whom wanted to do a balance transfer. I have found that the post office currently have a good offer. I just wanted to know if I am eligible for one. What I mean is that can a student get one?(reason i ask, is that barclaycard is not for students, hence will be an automatic decline ever since…
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Amex "Basic Card"
I see Amex (http://www.americanexpress.com/uk/basic-card/) are doing a Basic Card chargecard with no annual fee. Is this just like a credit card, that you have to pay off in full each month, or are them some super-duper reasons to have one? What's the appeal over, say, a bog standard credit card?
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Help
Can anyone help? I lost my debit card on satuarday and then got it cancelled sunday morning, l was sent a new one today but it was swollowed by the ATM. I'm with barclays bank and l phoned them today but they were unhelpful, they just said go to your nearest branch, it's upsetting because l don't know how long a new card…
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Visa for Olympics Tickets
Recommendations, please, for a Visa card to buy Olympic tickets with. I have Mastercards and Amex, but no Visa. Would prefer cashback or freebies to 0%.
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Basic Credit card advice for newbie?
Ok So i'm considering getting a credit card. The main reason is because I want extra protection, e.g. Buying online etc. My questions are... 1. I don't want any interest charges on my purchases.... EVER! If I pay back the amount I spend almost straight away will I avoid paying any interest or is this only available for a…
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Problems getting Halifax Clarity Card
I have had a Halifax credit card for many years and on the 24th Feb I decided to change it over to a Clarity card as we are going the USA on the 1st April. My application was done on the phone and I was advised I would get the new terms and cond through in a few days of which I had to sign and return. After many phone…
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deceased persons debts and child benefit
Sadly my sister passd away last week, she was 66 disabled living in rented accomodation and no will,no savings. She has 5 children - 16 - 30 years old, and she divorced many years ago. Who if anyone is responsible for her debts, credit card, loans, etc? The 16 year old is at college - so child benefit continues till 18 -…
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Student Overdraft - Could someone please explain to me exactly what EAR means?
Hello everyone, I have a student overdraft of £1500, £1250 of this is interest free, the other £250 is an 'Unauthorised Overdraft' that has an EAR of 3.5%. I need to increase my overdraft to £2000 which will be added to the EAR overdraft and will bring my EAR overdraft to £750. I am having trouble understanding EAR. If the…
