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Card details stolen -How does it work?
Hi all I have a Barclaycard that I fully cleared the balance on a few weeks back. I just phoned up to double check it was all cleared and theres 4 transactions on my account that add up to nearly £1200!! Ive called them and stopped my card but the dispute team tell me I have to wait untill they hit my account as they are…
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Payment hold ppi reclaim despite fos ruling
I disagree with Martin Lewis' article in NotW yesterday. My daughter has had a PPI claim for £8500 which was upheld by the Ombudsman put on hold waiting for the Judicial Review which has now been concluded subject to review; we feel absolutely badly treated and unable now to obtain our rightful legally-ruled payment.…
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Halifax One credit card
My wife and I have just checked the last three statements from the above card and curiously as the balance has reduced, so the interests added have increased. How can this be? Here are the figures: 2 Feb 11 Bal. £5,164.45 / Min pay. £87.89 / Paid £105.44 from last statement Interests £3.25 / £7.47 / £72.17 3 Mar 11 Bal.…
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Quick question
I have a Tesco credit card which I openned last November. The card had 9 months interesr free on transfers and 13 months free on new purchases. I transfered £600 at the time and so far have added another 1000 in new spending. In the meantime I have continued to make the minimum payments. What I want to know is, which debt…
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Three digit code question please?
Hello. Could anyone please offer some clarification on the following question? On the back of a credit or debit card, there is a three digit code to be used on " card holder not present " situations. When presenting the card at a restaurant or petrol station ( assuming it is not being skimmed anyway ) there appears to be…
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Best Credit Card for bad rating?
Hi All, I am a little confused. :( When I was a student I got some debts, as you do, but mainly they appeared when my moms divorce meant she had to use all my cards to pay for stuff, meaning they soon became maxed.:mad: Anyways fast forward to now and I have £4,500 of debt which I pay back once a month on a debt management…
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Section 75
Last May, my wife and I placed an order for a shower at an exhibition, having explained to the salesman that we were planning a loft conversion and, at that time, didn't even have planning permission and did not know whether the shower would fit. Due to those issues, we asked whether we could use our deposit for anything…
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Would you u, or wouldnt you?
If you were desperately trying to get rid of debt and felt you didnt want cc any more would you cancel a lloyds cc that was about to go up to 24.9% from 19.9% with only an available balance of £324??? before you all shout yes yes yes, remember the early lbm days when your back felt up against the wall, there was no…
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Lloyds TSB and MBNA cards - advice please
Hi, I'm posting this message for advice for my lovely sister in law who got ripped off by her husband when they divorced and basically got saddled with all his debt. She has been paying it off ever since. She is left now with debts of approx £8000 to Lloyds TSB (credit card) and around £8500 to MBNA. She is thinking of…
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should i keep American express card?
Hi Just wondered what peoples thoughts were, I have an Amex cashback card but I'm not spending the £3500 pa on it to actually get the cash back. Also got a virgin money for 0% deal, barclaycard for purchases 9.9% and Halifax clarity to use abroad. Thinking of closing the barclaycard and Amex, I'm reluctant to close the…
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Capital One Card
Hi I have recently applied for a capital one credit card and I received a letter yesterday asking for me to provide them with 3 forms of identification. I'm just wondering if this usually means you will get accepted for a card. I have just moved into the premises but provided my details of my previous address's. Also is…
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Credit Card Application - My 1st "Declined"
Been declined by M&S. I have checked my credit history with Equifax and seems reasonably accurate at first glance - the only glaring blemish is a missed payment on my current card for this month.(out by a day or something ridiculous). I have 3 credit cards total. My total debt between them is roughly £7k. One is not used…
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Which balance availability looks better on mortgage application?
Have 2 c/c s, Virgin which has a £12,100 limit and Post office which has a £6k limit, Virgin has nil balance and PO has £250-which will clear next month . Will be applying for mortgage in next year. Had intended closing Virgin card and reducing limit on PO to £1k-to use for hire cars/emergencies. However, if we have a…
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0% card instead of pet insurance
My Tesco pet insurance is now £41:eek: I was wondering about getting a % credit card so that if the dogs get illl i could manage to pay for any treatment in an emergency and then pay it back. As it stands my excess is £100 and i end up paying for all the visits anyway!
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Egg registered default without my knowledge
HI New here and hope someone can offer some advice. Appied for Egg Credit card October 2010 and was accepted with £3500 CL. (I also had a Co Op members credilt card). I took advantage of there 0% transfer offer in order to clear my Co Op card and work to a 12month plan to clear the debt. The Egg card has been paid each and…
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Brain failure or go-slow
I should know this but .. I'm tired and so is my brain cell. I havn't used a credit card for ages (70/30 my choice/their choice) although getting one is quite possible. Part of my own battle to get healthier was to avoid them. PS It's worked !! Normally, in the past, with 6 days to pay day I am struggling but this month I…
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Natwest Visa - do all cards work this way with regards paying the balance?
I have a natwest vise which to be honest, I never usually use. I got it a few years back to make a small monthly payment to a company that at the time didn't take debit cards. Anyway, for protection I used it to buy something off the net the other week. However, after a couple of weeks had passed, I still couldn't pay off…
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Co-op Members Credit Card
Hello I've just applied and been sent the credit agreement for this card - however there is no information on the leaflet about how to pay, as I intend to pay it off in full every month to use it for cashback. Usually there is a Direct Debit form with these things but not this time. Interestingly, there is a clause on the…
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Does Paying Off A Charge Card With A New Credit Card Count As A 0% Purchase???
Hey Everyone, This is my first post to the website so looking forward to some feedback. I use a AMEX Charge Card for most major purchases as the reward points mount up nicely for flight upgrades etc. I have also recently applied for a new 0% interest for 12 months credit card. My question is if I make a purchase on my AMEX…
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Paying interest on Credit Cards
Hi folks, just a quick question regarding credit cards. I've got a couple of credit cards at the moment. I've not got a great credit rating so I've had to use a couple of the bad credit rating cards. I'm with Aqua and Vanquis. Both cards were maxed out a couple of years ago, but I've been paying £25 per month to them for…
