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MBNA Direct Debit change
Am I the only person who seemed to miss clear notification from MBNA that they were changing the amount they take in direct dedits to 1% of the outstanding balance with effect from next month???
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BT charging for using Debit Card to pay bill
I have just been charged £5.40 by British Telecom as a payment processing fee for paying my telephone bill in full using my Lloyds TSB Debit Card. Anyone know if this is legal? I always understood that paying by debit card was the same as paying cash as the recipient gets the money deposited into their bank account…
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Help!! I cant transfer my card balance
Hello, I'm just wondering if any one can offer me some advice, I have have credit cards with a high balance totalling around 10k for the last 18 months I have been paying the minimum payments which just covers the interest I pay approx £320 a month and can not afford any more. I have tried applying to the bank they are…
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Credit card for work expenses
I've just started a new job and will be training at lots of different places around the country doing lots of mileage, parking, hotels (HR can book and pay for in advance if needed), trains, tube etc. I can reclaim my expenses each month and will receive the reimbursement in that period's paycheck. In the meantime, it will…
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Barclaycard warning..
Just went to the trouble of applying for a Barclaycard after being offered 12months 0% on balance transfers... so I could then clear my £500 balance from my Thomas Cook Credit card.. Then the website would not allow the transfer.. after 8 calls to an Indian call centre trying to find someone who could actually understand…
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Transferring O/D and Credit Card to MBNA
Having found myself now without much of an income, I am considering transferring my overdraft to my MBNA card who are currently offering 0% to April next year for cash transfers and credit card transfers. The percentage charges are 4% for cash transfer and 2.9% for credit card transfers. I won't be able to clear the approx…
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Credit card with zero balance - keep it or close it?
Hello again experts - I've a credit card with a surprisingly large credit limit (and large interest rate too!) which I never, ever use, and do not plan too. In fact I think I've forgotten the PIN. It seems like the polite thing to do is close it and forget about it, but someone mentioned that keeping it open might be good…
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LloydsTSB Credit card services attempt to push interest up by 5%. Check your account
About a week ago I received 60 days notice on my LloydsTSB credit card service. They WERE putting my interest up by 5% from 19.4% to 24.4%. Now I'm not adverse to companies changing their borrowing terms, that's fine (as long as they give you notice). However, this also covers money previously spent rather than money you…
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Balance Transfer Warning
In January, I took the opportunity of an interest free offer from Hilton HHonors card run by Barclaycard. I had already made a purchase of a product of just over £3,300 on another card, and decided to make the transfer so I could pay off the amount interest-free over 9 months. There was a small arrangement fee, but that…
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MSE News: Halifax credit card holders urged to act ahead of rate hikes
This is the discussion thread for the following MSE News Story: "Hbos is revamping interest charges which will initially see cuts for many but with the likelihood they will soar later ..." Read the full story: Halifax credit card holders urged to act ahead of rate hikes
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Interest and Charges Questions
Hi all, I have 2 CCs.. a Vanquis and Cap one Wondering what the interest-free or no charge durations from when I purchase something? I.e. the time from when I spend to when I get charged interest? Also how do the charges work for withdrawing cash? Thanks, Z
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Card not charged for purchase? Help as i'd like to give the money to charity
I purchased an iPad 2 and 'smart cover' from a large online retailer on 25th march and it was delivered on 28th March. The order value was for £514 I have recevied and email "Invoice Receipt" and it says "PAID" and "Following the despatch of the items shown below, we would like to confirm that we have now billed you via…
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Available credit??
Hello I just got my new Clarity Halifax CC , activated it last night and changed the PIN this morning. I juut placed an Ocado delivery for this Thursday and used this CC to pay for it. The money will not be taken until the delivery is completed, but I just checked my online banking and saw that my available credit is…
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Credit card switching dilemma
OK, so hubby and I both have credit cards, which we've had for aaaaages. His is a Natwest standard credit card, mine is a Marks and Spencer credit card. We each spend about £1000 to £1500 a month, so fairly well used and we pay off the balance each month so don't have any debt. Hubby gets a piddling amount of airmiles on…
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Prepaid Card For Online Shopping
Hiya I need a disposable prepaid card if that's possible to shop online at a particular store because they don't have the option of paypal. Also people have complained of fradualent transcations on their bank account. Loads of people advised to use either a credit card or a prepaid card. I don't have a credit card and…
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Credit expert - free mnth ????
Took advice from moneysavingsexpert re finding out my credit worthiness and not paying anything for a month. Well they have rumbled us chaps and £14.99 was taken from my account within the first 3working days. I joined creditexpert last Thursday or Friday and made a note to myself to cancel just before Easter but lo and…
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Capital One, Classic/Progress
I have a capital one classic card with a balance on it of around £450 and a credit limit of £1,200. I applied for the progress card last week, they accepted me and sent me a pin number. I called them and asked if they would allow me to transfer the balance and is it ok for me to keep the classic card on the go - he went a…
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What's the best way to pay off "petty debt"?
I have credit with 3 different companies all around £400 each. It's petty money I know, but as I'm no longer working (temporary) I'm finding it difficult to pay off any significant amount and I don't want to damage my credit rating by trying to negotiate with them, I just want to pay it. I have around £20 a week free to…
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Have I made a boo boo????
I didn't think much of it at the time but now i'm a bit :huh: Basically i'm currently in a trust deed. I'm due to make my last payment on 1st July so my thoughts now are to clean up my file and start to rebuild my credit as i'd like to get a mortgage in the future. So I did a bit of research and got myself a Cashplus…
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Halifax - One flat interest rate......be afraid
Using similar language to their 'simple overdraft charges' HBOS are evening out their interest rates for Credit Cards - ala the Clarity Card. Now given that cash withdrawals tend to be a good 10 percentage points higher than purchases it's entirely feasible to assume that Halifax is going to put the APR up a couple of…
