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Direct debit cancelled
I paid my Virgin CC (MBNA) bill in full before statement date and cancelled the DD that was set as back up for minimum payment. I was charged a failed DD fee of £12 for a card with a zero balance! One fairly complicated phone call got the charge reversed but I just thought it was odd.
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Vanquis Interest Rate Hike.....
Had a Vanquis card for about 18 months, no problems, always paid on time, interest rate was 34.8%, credit limit started at £250, now £1000. Just had this months statement and noticed that my rate is now 54.19%................:eek::eek::eek::eek: Phoned them up to enquire WHY, the guy I spoke to was baffled and could see no…
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Vanquis Card Application
Hello I applied for a vanquis card on the 28th of Feb and today received a phone call to confirm some information than he said he needs my bank account details to setup a direct debit without this my application may fail so i said ok. I gave my sort code and my account number and he said "incorrect account number" than…
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Egg cashback store is not the same as Quidco
Egg Card holders (not Egg Money) have access to a cashback store "powered by Quidco" which does not have any annual fee (unlike Quidco). However, I discovered on Saturday that some Quidco Offers are not available on the egg cashback store (eg: Aviva £50 cashback on car insurance). Quidco have confirmed that this is correct…
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Instant Prepaid credit cards
Over the weekend i have tried to book a flight with Ryanair and realised that they charge you for paying with anything except a prepaid mastercard. I have had a look through the comparison sites and through Mastercards site and there are so many that i find it very confusing, i thought they were just like mobile phone top…
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Which is the best low interest cost?
Hi - posting here as it seems to have more credit card relecance. I've got a loan, with £8400 to pay, 7.9% APR, over another 41 months with Tesco bank. I can overpay and save interest. Current monthly payment is £206 Or I can transfer the entire loan - settlement fee would be £7400 - to an MBNA card via my bank account,…
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UK Debt Management
I received a phone call this morning from someone purporting to be from UK Debt Management (but also said she was rining from Future Solutions Ltd). After confirming my name she said my name had come up as I had a credit card debt of over £1000 - when I asked her what debt and what credit card she became cagey. When I…
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my credit card doesnt appear on my credit check
I am on Barclaycard. I just got my "free" credit check thru equifax but everything appears except for my CC. Might not be a bad thing as last year there are a few times i had a few late payments but always settled so should be "green" on my check; but i also know that would boost my score (fair atm) if they knew i had a…
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Trying to improve credit score
Hello all im trying to improve my credit score at the moment, i tried getting a vanquis card about a year ago and got refused, i have recently tried again and got refused again, the only thing i can put it down to is that i have moved house several times in the last few years and changed jobs, i will be putting my self on…
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Post Office Travel Card
Hi, Not sure this is the correct place to post about this... Anyway I have a PO travel money card with a balance of 613Euros. 3 weeks ago PO arbitrarily closed all PO card accounts due to the imminient launch of a new card. As I am travelling in 2 weeks to Lanzarote I rang to see when I could expect my refund and check how…
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I never asked for £10 month to be taken from my account....
For the last 10 months £10 as been regulary taken from my debit card.... I knew nothing about this £100 disappeared into thin air... Beware these card tricks/cons....In my case 'My Time Rewards... Apparently an offer of £15 discount when I purchased something from Best Direct TV... I don't even remeber this. In fact it is…
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Earning Cash back and air miles
Hello, Any advice ont he following would be greatfully received. For background, I have an Amex Platinum cashback card. Every month I pay off the necessary balance to earn the cashback which is generally between £900-£1400. Instead of me paying this balance from my current account every month, I would like to pay this off…
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How many cards is bad?
How many credit cards is bad - and what percentage of used credit do they like to see? How far apart should you spread applications ? And how many per year do they expect you to make withou looking excessive . Do they know if you got rejected or not. -or just that a check was done by a credit company ?
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Paying just above minimum payment on credit card
Can toy set up a direct debit o pay £1 more than minimum payment ? Does this look better than having the minimum payment sign on your credit report?
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Nectar credit card vs quidco - use both together?
Which tends to pay more or does it depend? Is it possible to use both? Anyone got any tips an clever tricks for using these? Is the Amex or sainsbury nectar card better for points?
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2 credit card applications within 10 mins of each other?????
Hi, want a nectar card so applied for Amex and sainsbury cards. Amex say they couldn't give me an instant decision and need to do a few more checks. Sainsbury say we are processing you application and once approved we will send the paperwork for you to sign. Does this sound like a decline? The sainsbury card says the…
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Anyone any experience with sainsbury nectar credit card?
Applied last night, it said thank you for the application we are processing your card Bit brief anyone else had this? Got no email to confirm they had my application , is this common ? How hard/easy a lender are they? I have a Halifax card, since they are 50/50 with Halifax will this go against me? Anyone else have both?…
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Equifax and Experian free trials..?
This is a bit of a head scratcher. I just tried taking up the offer of a 30 day free trial to check my credit rating. Both these organisations offer 30 day free trials to NEW MEMBERS ONLY. Well it appears that I probably signed up for them both about 8 years ago or so as both still have me on record and told me to sign in…
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Wrong amount collected on DD
Hi Due to a banking mix up last month I missed a direct debit minimum payment towards a credit card last month. I paid it manually two days later when I realised. The following month's statement had been made up and sent out in the meantime which showed there was no payment and the next month's payment was adjusted…
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American Express 5% is this for real or a con
Hi Would be great if anyone could shed light on this. We have been with American Express for a while (pay off at each of end month). They wrote to us and told us that if we chose vouchers (e.g. Comet) rather than cash back (real money) then we would get 5% of our cash back as vouchers (as opposed to 1.5%). This sounded…
