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MBNA not sending replacement card?
My husband has a credit card with MBNA which he has had for a number of years. In August he contacted them to increase his credit limit in order to partly fund some home improvements. They duly increased the limit. His old card expired at the end of September and we haven't been sent a new one. This has happened before, so…
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will rejecting virgin credit card interest rate increase affect credit rating?
Hi Am new to all this but am trying to get on top of our debt and make life easier for the future :) My husband has received a letter from Virgin advising the interest rate on his credit card is going up from by around 10% apr from the beginning of December. On the letter there is an option to reject this increase, in…
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MBNA Recent Transactions
I noticed yesterday that the recent transactions on my account have disappeared even though my balance is correct. Just called MBNA to find out what happening. They did an upgrade over the weekend to give more benefits to the customer and this is not finished yet. Was advised to give it 24 hours and all should be sorted…
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Shocking level of credit limit increase
Hi all I have had a barclaycard initial for a couple of years always with a credit limit of £750....Never asked for a limit increase. Just used it for internet food shopping and petrol etc... Normally pay the whole lot off monthly but last couple of months have paid a couple of pounds interest as xmas presents build up.…
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Tesco 0% on New Purchases Previous Customer
Quick question if anyone knows the answer. I previously had a Tesco cred card and enjoyed the 0% interest free period then closed the account. How long do you think I could leave it before applying for a new 0% account? Would be handy if MSE had a list of Credit cards / Bank accounts and how long after the account is…
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Credit Card to improve Credit Rating?
Hi, my friend was elling me at the weekend that you can now get a credit card which helps with your credit rating if you use it. Is this true? He seemed to think it was a credit card where you put cash on it? If this is right what card would do this? thanks!
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Visa debit card protection?
Not a strictly 100% credit card question but here goes anyway. I have a visa HSBC debit card and am about to purchase some flight tickets. I read somewhere that visa debit cards give you the same protection as visa credit cards in terms of airlines going bust. Is this true?
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Is anyone on a long term low rate APR?
I was speaking to someone today who claims he is paying about 4% APR for life of the balance. It will take him about 15 years to pay all the debt back he says. If true it is hardly worth it in my opinion since inflation will reduce his debt faster than the interest! I vaguelly recall some of these deals, but it sounds to…
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Can I use my card to put a deposit down for my parents?
Hi could anyone tell me if I can use my credit card to put a deposit down on behalf of my parents they will be paying the rest on interest free, they have recently had trouble with a purchase ie going to court, they do not have a credit card and i thought next time round it would be better to have the credit card back up.…
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Using credit card for online purchase
Hey guys, I want to make a purchase online (using paypal) and it's quite a bit of money. I was wondering if there's really advantage on using the credit card rather than the debit card. The seller seems genuine but still I'm a bit concerned on things like if I'm not happy with the product or it's not what he was claiming…
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Young lad, credit card yay or nay?
Hey, i'm 22 and have been in steady job for 3 years now since leaving college, I earn ok money (15,000 yearly) and over recent months been working on curbing my spending and trying to rid the few debts I have ie my argos card balance of £100 and tv £400, with christmas coming up will find it hard to buy presents and having…
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Barclaycard question
Last week I got my Barclaycard platinum with 0% for 16 months. Would I be able to transfer my Hsbc credit card debt to this new Barclaycard and get no interest charged for the 16 months even though I used my Hsbc card as cash advance ? thanks for help.
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Which bank allow more than one CC with them?
As title, just wondering which CC provider allows one person to hold different CC for different perks. I tried applying for Capital One click card while holding the world card and was rejected as I can't have 2 capital one card. They did not state that in the Click website though. So just curious which bank allow such…
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Better CC for CCJ
I have a year old Satisfied CCJ. I have 2 credit cards: 1) Capital One - 10 months Full payments on time 2) Vancuis - 3 months Full payments on time. I have ZERO debt, never overdrawn. My credit cards and Mobile contracts get paid all in time! What other credit cards (Better ones) are avilable for someone like myself with…
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2 credit cards or 3? for credit score?
Hi guys, I am trying to improve my credit score due to an old satisfied CCJ. I have 2 credit cards, vanquis and Capital One. I spend only £2-3 on each card and pay it off all in full at the end of the month, all in aid of improving my record. I have another offer from AQUA mastercard. I am thinking of signing up. So I can…
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MBNA Amex cashback
Hi Does anyone know when MBNA Amex pay their cashback please? Do I have to wait a year or is it a fixed date? Thankyou:)
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New to Credit Cards - Totally confused!
I'm new to credit cards, so am totally confused as to which one is best for what I need. I have no balance transfer but have been advised that I could benefit from airmiles. I'm also recently a single mum so need to manage my finances very carefully. What I'm looking for... (I might have to get two cards for this but am…
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Halifax Clarity - do I need to inform them of usage abroad?
I usually carry cash, but this time am planning to use my new Clarity card while I'm away next week. Am I safe to assume I can just use it, or should I inform them to expect the usage somehow? Can't find anything definitive online and their 'help' implies I shouldn't worry, but I don't want to be caught short :)
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Credit Score - HELP!!!!
Hi, Long story unfortunately, get a cup of tea and a biscuit and read on :) In January my Orange 18-month phone contract was at an end, and would go on a 1-month rolling contract starting February 21st as per the Terms and Conditions. I was already using a different phone so I called Orange and cancelled the contract as of…
