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be careful if your CC bill due end of April :)
I have been checking my statements and can see that most are due 1st/2nd May. This isn't a problem for me as I have set up DD to cover the payment so I don't get caught out. However because Easter falls at the end of April and the added bonus of the Royal wedding bank holiday weekend, those paying by other methods may miss…
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Argos card
I have received a letter informing me that as my account has been passed to a debt collection agency, my accout cover will be cancelled in the next 30 days. Can I request a refund of all premiums paid?:mad:
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Refund question
I know this is probably a daft question but please can someone explain to me why when you buy something with a debit/credit card the money comes out imediately but money is going back it can take up to 10 working days?!!? (The retailers seem to blame the bank and the bank blames the retailer) I am just annoyed as a company…
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cash machine that are not Link
My OH is having problems unlocking his Capital One CC. He has been told to go to a machine that is not link and has tried all the main bank machines eg Barclays, HSBC, RBC etc with no avail. Capital One has said these are all link but do not give any information as to what one he should try. Can anyone help.
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Credit Card Direct Debit - Quick Question
Just a really quick question, i have direct debits set up to pay the full balance on two credit cards, last month i lent my parents some money and although they said they would give it back to me this month, they have now said they need another month. As a result I am a little short this month and could really do without…
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"cash" Interest payments on credit card fees - is this fair?
My card provider - who I have been with for nearly 20 years now - has started to charge me "cash interest" payments on fees that they charge. What makes this all the more strange is that every time I ring up to query, they immediately remove them without even talking about it. This strikes me as an opportunistic attempt to…
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Building a US credit history
Hiya, I am an american by birth but have been living abroad since I was 16, including the last 4 years in the UK. I work for a UK charity and within the next week or so will be moving long term to Uganda, where I will be working for at least the next 2 years while being paid into a UK bank account. I am hoping to return to…
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Barcleycard cancelled my card 2 days After I got it?
So i applied for a Barcleycard so i could transfer my balance from my Capital One card, and got approved. The card through the post the other day, so i activated it and stuck in my wallet. I couldn't transfer my balance online, but I figured I could call and do it tomorrow. I've come to use it on Amazon today and it…
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Another HFO Services harassment victim?
Hi Like so many other people in these forums I too had a suprising call just the other day from HFO Services Indian call centre claiming they had been assigned my old MBNA debt. First off this chap called me at work which was really odd as I have no idea where he would have got the number. I was caught quite off guard when…
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Vanquis Credit Card D/D - Pobbile Daft Question Alert!
Have just got a new Vanquis visa card -0 strictly for items where credit card protection is needed and emergencies ;) I've had to set up a direct debit to make the payments (Cue drum roll for the daft question :D ) Will the D/D just be the minimum payment or the full balance? I'm aiming to make sure i either pay off in…
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Virgin MasterCard minimum payment has increased by over £100, why?
Hi all, I have a Virgin MasterCard with around £8500 outstanding on it. I had been successfully reducing this debt as the minimum payment was around £150 and I was able to over-pay by £100 each month. I checked my latest April statement today and, to my horror, found that my minimum payment has increased to £260! I don't…
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Another vanquis nightmare
Hi. I have a £500 credit limit with this company but my balance is now £529. I pay as much off as I can but the balance seems to grow. I have credit cover on this account and was wondering is there a way I could claim back any charges or even have the card cancelled??
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1st CC applied for today, advice on DD
I'm pretty sure I need to go to New York in the not so distant future, so today I researched spending over there. At the moment I just have a NatWest Visa Debit, this is on Martin's list of evil cards. So, I read the article and went for the Halifax Clarity card. I've not had a credit card before (quite simply because I've…
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advice needed
hi everyone just want to know whether i can apply for dabenhams credit card issued by santander bcos i already hold asda credit card which is issued by santander as well. thanks
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Advice on credit cards and store credit
Ive recently moved house and applied for a store credit account and new credit card, both which have been declined. Ive never had a problem with credit and never been refused. My credit score and rating are perfectly acceptable on two reccomended sites (one being experian). Some one said to me that if im not registered at…
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Tesco clubcard credit card linkage.
Hi, I have a Tesco clubcard credit card which I want to link to my main account. I didn't have my clubcard to hand when I applied and when I rang clubcard to link them they said I can't. Does anyone know if I ring Tesco credit card they can link it for me?
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Advice on money transfers please
I have an offer from Virgin Money for 0% on money transfers to a current account until 10th may 2012. Sounds a good deal to me just over a year at 0%. Only done BT's before so questions are: Is there any hidden catches with money transfers? Is the money transfered instantly? Having seen a few posts on here about changes to…
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advice needed re halifax credit card
hi. i have a halifax credit card that i have had for several years. i am in the forces and a few years back made several late payments due to being out of the country. i have since resolved this matter by setting up a direct debit for the minimum payment each month and this has been ongoing for over a year. i had wanted to…
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Intrest charge rising dispite lowering balance
In January Barclaycard increased by interest rate by 5% (dispite my having the card for years and never missing a payment). I decieded to close the account and pay it back as quickly as I could. I am currently paying twice the minimum payment back each month and for the last for months the balance has dropped. The interest…
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Advice Required
I have 9 credit cards with a combined available credit of about £34,500, my salary is £21,000. Will this have a negative effect on my credit rating? I am wanting to get the AMEX or Visa cashback card. Out of the 10 I only use 3 cards, I have had one of the cards for over 10 years but dont really use it, am I better…
