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Barclaycard automated fraud prevention
I got a automated call from Barclaycard the other day just going through some of my recent transactions, fair enough. But they rang both my landline and my mobile. And all I had to put in to hear about my recent transactions was my date of birth?! Now the concern I have here is I'm living at home with my parents and sister…
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New Credit Cards While Unemployed
I've just been refused a credit card from Bank of Scotland. I currently have a card with MBNA, their tie-in with Newcastle United has now ended and my new card which replaces the current one which expires at the end of this month is a plain, bog standard MBNA card. I originally got the MBNA card because of the link up with…
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Overusing my card
Over the last few months I've got into the habit of putting most of my everyday expenses on my credit card and then paying it off in full at the end of the month. I am now begining to think about applying for a mortgage soon and was wondering if this type of thing would affect their decision? or is it completly fine.
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Next best card after "starter" card for wife
My wife has a Capital One Visa which she has had for over a year. She has never missed a payment and has a clean credit record. She works part-time however and only has an income of just over £6k. The Capital One care charge over 30% interest. I've advised her to transfer her balance from it onto a card with a lower…
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Next best credit card - thoughts please.
Hi, Just wondering what the next best credit card is. My first one was an HBOS One Card and when the 0% rate ended, I switched my balance to a credit card with Virgin (I cancelled my One card) and when that 0% rate ended, I switched to Barclaycard Platinum and did a balance transfer, which is the card I currently have. I…
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Credit card fraud
Dh has had several transactions go from his card that aren't his. Its all being looked into, account has been stopped etc. The credit card company picked up in it intially and rang him. Someone has somehow added themselves to dh's account and has been using his card number with their name. I'm worried about how they have…
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I have just applied for a capital one progress card and Barcleycard Initial
Both applications have not come back with instant decisions, they have come back with "we need to make additional checks, we will be in touch within 5 days" Is that normaly a good thing or a bad thing? whenever I have applied for credit in the past and have been refused I have always had an instant decision.
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Partner applying to same credit card company??
Hi all, Real quick question which I'm sure many will know the answer and can advise. I have a Virgin card and am looking for the best balance transfer deal. My credit rating is good but not excellent. I applied last week for sainsbury card for a balance transfer but got rejected. Is it worth my wife applying for another…
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Is there age discrimination in balance transfers?
Just registered - new poster Last year Virgin increased the interest rate on my credit card by 50% in one month - from 16.6% to 24.9%. I've never missed a payment, reached or exceeded my limit (£10,500) and have a good credit rating. However this was a month before I reached 66. (noticed that HSBC had increased their card…
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Credit card payment showing on statement but not balance?
I have a credit card with Capital One with a £1000 limit, i paid £950 to the credit card last week, it's showing on my online statement as £950 credit, but the balance doesnt reflect this, it still says i owe £950 (i.e my current balance is £950 and amount of credit available £50) - i dont understand, if they have received…
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AA Spend & Earn Prepay Card-Missing Points
I advise anyone with one of these cards to check that they have been credited with the correct Reward points for late April. Having complained I have just had my account corrected. However, as I was awarded no points for 4 transactions with 3 retailers over 2 days I cannot believe that it was a problem affecting only me.
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Credit Card Fraud
My partner reported a fraud on his credit card to his bank at the beginning of May, transactions to Ebay India totalling a lot of money. His bank were not even suspicious even though he had not advised he had left the country, no goods were to be sent to us in UK and he was buying petrol in this country on the same card on…
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Best Credit Card for using abroad
i am going to be going to america and canada and the end of the month for a few weeks and was wondering which is the best credit card to use abroad and not get silly charges every time i use it?
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lloyds tsb business credit card
lloyds have just issued notice to terminate my bus credit card and haven't said why. How can i find out?
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Virgin card minimum payment
My interest free period has just ended on a percentage of my virgin balance. I have received my new statement today and my interest is MORE than my minimm payment. I don't spend on the card, it is my balance transer card. I have just transferred another balance onto it will this have caused the odd payment? I thought now…
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Premier League Season Ticket
Hi all, I wish to renew my season ticket this season - but the issue is I currently don't have the money until around Christmas. I remember reading before that Barclay's offer 0% interest for 12 months on all season ticket purchases. Is that true? Will it be for new customers? And if not would it be possible to do it on my…
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Any advice?
I have got myself into a bit of a mess. Halifax reduced my overdraft limit from 2,500 to 600 from one day to the next without notifying me. Since then my mortgage tried to collect and was obviously refused. My 0% interest barclaycard also tried to collect and was also refused. I usually hover around 0-500 pounds into my…
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Playing the Upto 56 interest rate game.
I am sorry for this - I am sure it has been answered a numerous times but i could not find any specific to my case. My scenario I recently received a cc statement balance of £738 with a mininum payment due by 14th July. My Question as of today and possilbly the 14th of July my balance would have increased to about £1000…
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Reduce 4 credit cards to 1?
Hi I just wondered: I've transferred the balance owed on 3 credit cards (HSBC, Santander, Virgin) (not a whole lot: c£2,000 total) to one credit card (Lloyds TSB), so is there any reason for keeping 1 or more of the zero balance credit cards now or is it advisable to close these accounts? Thanks Bertie
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Lowering Credit Limit on Cards
As mentioned on another thread I am in the proccess of battling my CC debt. I am going to keep one of the cards once I have cleared the debt, for emergancy, if possible I will get a lower %APR card for the same reason. I was thinking, would it be worthwhile when I pay off an amount to lower my credit limit? I.e would I…
