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Cancelling credit cards, which ones?
Hi all, I am am in the process of paying off my credit cards - I currently have 4 credit cards, which will be paid off shortly thanks to some inheritance money. I still will have two overdrafts, but will be paying those off in the next year. From what I have read on the site/forum, the best thing is to keep maybe 1 or two…
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Cash back on credit card
This iS a what if situation and hopefully will never happen. I have quite a lot of cashback on a Thomas Cook credit card. If the company goes into administration how does that affect cash back as it can only be used on Tc holidays etc ?
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Credit score and credit card advice
Hi all, looking for some help please. I found out a few weeks ago that my fiance was in quite a lot of debt, mortgage arrears, bills, credit cards and worst of all payday loans!! I have now paid the majority off out of my savings, the rest will be paid off next month. I have done an experian credit check on myself and my…
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Balance tansferring
I have 3 credit cards: One with my bank account - nil balance, never used Another with Tesco - paid of in full each month Another 0% until July 2012 with about £3300 I doubt I will be able to pay of all the third one before the interest starts being charged so I plan to balance transfer whatever will still be left on it.…
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NatWest Visa Debit Cards Payment Protection
Does anyone know if A NatWest debit Card offers the same payment protection as a Credit Card. Our particular concern is when booking a holiday costing more than £100 and the there is a problem or company goes into Administration will be protected. As usual many travel companies charge over 2% charge on all payment made…
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Which credit card?
Hi All I left BarclayCard 6 or 7 years ago after getting tired of their 'service'. My Egg World card then got moved to them barely a few weeks ago and I am already sick of them again. I have the one with cash back, a rare thing these days so I thought I would just stick with them. I can't do it though I have decided after…
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Silver Mastercard
Just had a chat with Creation about my Silver Mastercard. Had been sat in a drawer for ages with them steadily increasing the limit... £2190 now. Had to call them as I had an unexpected refund back to the card so had to arrange for that to go in to my current account. Whilst I was on the phone I asked them to close the…
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How much will $1299 USD cost me in GBP if I put it on my AMEX Credit Card?
Girlfriend going to the States for ten days and I want her to bring back a new Macbook. It's always difficult but I think I need to pay an extra 2.9% on top of the $1299 - So can I assume that I will need to pay about £840+ £25 = £875 in total? Anyone know what's the best way to work it out or buy a laptop there? I have an…
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Virgin Money - Suspended Account Advice
Some time ago I agreed with Virgin for my account to be frozen and to opt out of the rate rise; I was advised at the time that once my card was paid off I could always contact them and ask for it to be reactivated if that's what I wanted. My card is now clear (yeahh!!) but after a telephone call with an agent I was told…
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Can't get a credit card
I have recently graduated and have had a full time job for the past 4 months, and I want to start building my credit rating so I can get a mortgage in the future. Trouble is, no bank will offer me one, and I don't understand why. I was with Barclays bank for about 5 years, but switched around a year ago to Lloyds TSB to…
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EcoVision...can they do this?
All, Was after a little advice and it may help if you know basic contract law (been ten years since i studied a module in that so very cloudy). I signed up to one of the Ecovision free solar panels, and went through all the legals, been sat here now for the last month phoning up every week for an update and told...'waiting…
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Credit Cards - Cancelling & Re-application
I love my Tesco Clubcard Credit Card however my 0% on purchases expired a while ago and I could do with having this over the Xmas months. My question is, can I close the credit card account and re-apply for a new one and be entitled to the 0% on purchases for 15 months?? Or is there a certain time period before I can…
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Seeking advice on high-interest credit card trap
In the last two years I've made much progress on my efforts to eliminate my debt. I'm earning more, spending less and have paid off one credit card in full. But I'm still somewhat stuck in the high-interest credit card trap on two cards, both of which are charging me astronomical interest. I pay by direct debit but because…
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Thread as gone! :-(
Has the thread about the chargeback and visa rules for a particular good that is legal in 'my' country that was 'faulty' (as the op said) been removed? I was loving that story.
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balance transfer- how long
last week i applied for a barclaycard with 0% on balance transfers, got the card and having logged on the balance is there. but when logging on to my original card the balance is still there too. now i feel like i have 2 debts, how long will it take for the original card to clear?
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Balance Transfer and Credit Card? HELP!!
Hello, Would be really grateful of any help. I currently have a M&S card, interest rate is now ridiculous. I have £2,100 on the card at the moment, but want to transfer to a 0% balance card, but also the ability to spend with this card? One should I have two seperate cards one for balance and two for credit card? Also been…
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Mbna update
After sending MBNA a section 78 request in October, they have ignored all requests for the credit agreement. I even sent them a £1.00 postal order that they requested, and still nothing. I telephoned the Financial Ombudsman Service on Monday 21st November to complain direct to them. They have said that MBNA are clearly at…
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would like help on cards/overdraft
I'm currently a 23 year old with university debts and ave graduate natwest card with 500 pound limit which i'm 20 pound off. i'm looking into transferring to another card so i can get just a few christmas christmas presents as i'm currently un-employed but can afford the minimum payments as the card will only get used for…
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Capital One World Cashback Card
Hi, just after some advice (sorry if it's a silly question :o ). I am thinking about applying for the Capital One Cashback card and read that the cashback is paid once a year in January. So, it is worth applying for the card after January, or does it not make a difference if I apply now? Also, for anyone who has this card,…
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Barclaycard/egg card
I have an original Barclaycard, and now a egg/Barclaycard. I recieve paper statements for my original Barclaycard, but online for egg/Barc. Is it possible to receive paper statements for egg/Barc? can't see anywhere on the website to do this.
