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credit card cover on purchases
Hi I tried doing a search first but can't find the answer. I just found out my son has lost his ipod which I bought in Nov on a mastercard. Does anyone know how long the purchase cover is for is it 6 months or 90 days. Thanks
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Post office Credit Card
I applied and got a post card called today to do a balnce transfer for my wifes card said could not do but could transfer into my bank account, i asked her to confirm three times that it would still be 0% for the 14 months she said yes and the fee was the same as card transfer so did it. I have checked all the paperwork i…
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0% balance transfer rate. Should I act on it?
Thanks for any advice here. Nine months ago, I was sent a 0% balance transfer rate by one of my three CC providers who are inclined to make such offers. I was about £10K in debt so I accepted the deal. The deal was to run for 12 months. Nine months later (i.e., a week ago), one of my other CC providers sent me another 0%…
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New Credit Card can I buy without the card?
Following on from my thread here - https://forums.moneysavingexpert.com/discussion/3779373= I have successfully now got the M&S Credit Card I have signed the agreement and sent this back so just awaiting the password and card. I was hoping to have this by next week but is looking unlikely as I was hoping to pay for the car…
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Creditcard payment calculator
there used to be a program link to enable you to work out which credit card to pay off first etc. (not a good description). Anyone still got it? cheers
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isn't anybody doing balance transfers with 0% fee anymore??
what is wrong with these people. I have always managed to find one company doing it!! TWH
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Balance xfer problem
Hi all I have a problem with a balance transfer. i have a nationwide credit card with a balance that i am charged intrest on. I have opened a capital one o% card so i can xfer the baslance and clear it off. When i put the nationwide card details in on the capital one online banking it comes up as an invalid account number.…
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credit score for credit card
Hi can anybody please help?The Equifax report received today score 305 at what score should I be able to get a credit card to build credit rating.No adverse credit history i`m the on electoral role i have no ccj`s and no storecards only mobile credit agreement an current account from the bank.No late payments so don’t…
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Additional cards (Credit Card)
Hi Can anybody help? My husband I have booked to go on holiday to Spain in June to a destination where car use is necessary. I have just tried to book car hire and most hire companies are insisting on a credit card. We have a poor credit rating and can't get a credit card and wondered if a friend can apply for an…
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Second Credit Card question
I've had my Barclaycard Initial for 6 months now, all paid off every month. It's got a limit of £800 and I generally spend between £100-400 on it. Looking on Noddle (never used it before or heard too much, so not sure how reputable?), it suggests 3 different Virgin Credit Cards that I have an 8/10 chance of being accepted…
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Forex transaction on Credit : advise needed
Hi, I have a halifax platinum credit card, on which I bought a high value item for a gift to a relative which came to 495 GBP . Unfortunately the site could not deliver that item and refunded me the entire amount in local currency , which came to 445 GBP only 5 days after the original purchase ! Do I have any recourse to…
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Need help with Barclaycard issue!
Hi, I recently payed off my barclaycard using santander online banking. Just over a week later I recieved my next months report, and it said that I owed £270. There was no way I'd spent this much on my card, so i checked my online banking and 6 days later, it said that the payment for the month before had gone back into my…
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Transfering balance but credit only fair
Hi I have had a BarclayCard for years and the balance has mounted to over £4000. I have a decent job and can pay all my debts. Due to a past relationship my name is on a loan with an ex partner for £22,000. With this, my maxed out credit card and my overdraft (£1950) my credit is fair only, Experian say its due to the…
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Change of name incompetence
A story of incompetence. My sister got married last summer and decided to change everything into her new married name. Simple enough surely. Two credit card companies and her bank sent her new replacement cards as requested but without bothering to change the name on them. She had to send them back and ask for new…
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Credit rating apparently good...so why am I refused credit??
Hi, I am new to the forum so be gentle!! My husband and I both have good credit ratings, mine is 800+ and my husband is not far behind. Apart from paying some bills late(which haven't ever showed up on the credit score) we have a good joint income (£60,000 between us) but we have four loans between us and 3 credit cards. I…
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Credit card query paying for drinks
Went out for a pint and a drink at the weekend i used a credit card to buy the drinks only came to 6 pounds or so. The barman said he'll put it through as 10 pounds and gave me the change. I can understand why he did that as the pub might lose money on small purchases using a credit card but I've never actually had that…
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0% Money Transfers and Purchase interest
Hello, Hope someone can try and clarify an interest issue i currently have on my Virgin Atlantic Amex/Visa account. I have held my account for quite a while with all my balances being paid off in full everymonth. 4 months ago i was offered 0% balance/money transfers for 12 months. I decided to do a money transfer and pay…
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Does Virgin CC (MBNA) owe me money?
Hi, I've just checked my credit report via Noddle and was browsing through my settled accounts. All of these have the balance as £0, except my Virgin/MBNA CC, which was -£37 (i.e. MINUS £37). Does this mean I have overpaid and they actually owe me £37? As the account was settled in March 2011, I have not had a statement…
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Credit card taken over by another company, no new agreement signed.
In 2001 I took out a credit card with Morgan Stanley Dean and Witter. I signed a credit agreement with them but since then the card was taken over by Goldfish (Around 2006ish) and then Barclaycard (around 2008ish). The card is still with Barclycard however I have never ever signed a credit agreement with either Barclays or…
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Which Pre-Paid Card Should I get?
Hi, I need some advice on a pre-paid card, first of all and most importantly do they actually help you boost your credit rating? Mine's currently poor but I am working on paying off small debts I owe and am trying to fix my credit, I've already saved up some money so just wondering if I should put it into a pre-paid card,…
