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Likelihood on new mbna card and when to apply
Just closed mbna card as card had nil balance and no offers available when I rang to ask. How long should I wait before applying for a new card. Closed had limit of £12k.
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PayPal access card abroad
Anyone know the overseas fees (if any) for this card? I assume it automatically takes from the correct currency balance too?
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Capital one PPI
I took out a capital one card last year along with their PPI. I am currently claiming (not reclaiming) on the PPI. I'm curious though, should the monthly PPI charge still be applied to my CC account, even though I've made a claim?
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virgin card services
Is it just me or are virgin card services unavailable for everyone? I've been trying for 3 days and getting server unavailable.
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Recent Graduate Job Seeker
Hi! I am a recent graduate who is currently signed up to an agency that is finding me job interviews in London. Although that I am fairly confident that I should secure a job within the next month or so, I am in the position where I require a 0% interest credit card to be able to afford a new suit, transfers to and from…
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Topping up phone at cashpoint
You can top up phones at ATMs. If I use my credit card will it count as a purchase or as me taking out cash from the ATM and using that to top up the phone (and hence incur interest) I want to top up someone elses phone thats why I am not just dialling the topup number from my phone and doing it that way.
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Scam ? (where is it)
strange.. father stays in a hotel. Leaves his Barclaycard in room, goes ot dinner. Receptionist comes up to him. She has a phone call for him, caller asked for him by name and room No. Caller says they are from Barclaycard ad that his card has been stolen and used (in his home town) to purchase goods on Amazon. £600. Was…
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Credit building card - declined Aqua
Hi, I was just wondering if I could get some advice on how I might build my credit history. Currently I am a student with a part time job (earn around £4000) a year, most of which is saved, and no student loans (although I know this doesn't come into it when applying). I have 2 overdrafts with NatWest and Santander student…
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Changing credit card number
Hi, I'm soon going to be at (or nearly at) my credit card limit of £6,700. But I don't have to pay any interest on it for almost another year (1 July 2013 I think) so it's in my interest not to pay it off now. The only thing I am a little worried about is accidentally making a payment with it and thus going over my limit.…
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£3600 on cards - Best BT for me?
Hello, I am trying to sort out my finances, not very organised you see, so needing some advice. Had a wee problem with my credit history last year and dont want to screw it up, now that is says it is at 999 - whatever that means. Anyway, I have £1688 outstanding on a MBNA card (.9451%) and £1933 on a Barclay card (19.99%),…
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Equifax suddenly re-showing 7 year old late payment
Hi, Just been trying to get my electoral role registration ironed out. To my dismay, some 1 month late payments on a student credit card have re-appeared on my Equifax report, having not been there a few months ago the last time I searched. The account was closed 5 years ago, and the late payments are for more than 7 years…
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Working out how long to pay
Could some explain to me please how you work out how long it will take to pay off a credit card. I have 3 cards which I am paying off due to an ex (long story) anyway my bank have said I have a pre-approved loan and can consolidate them all together to pay them off, I've looked at the monthly charges of the loan over,…
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Advice please/best credit building cards
Hi, First time poster (though frequent reader/lurker) on MSE in need of some general advice & guidance. I bank with HSBC and was invited to apply for a credit card which I duly did and was provisionally accepted with a £2k credit limit. To date I haven't really wanted to go down the credit route however as my salary (and…
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Anyone else having trouble logging in to M&S credit card?
Have had this problem for some time now - can't log in to view my account. Is it just me or are others here having issue?
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protection against fraud with credit card
I recently was the victim of credit card fraud, somehow someone in US used my credit card details to pay for something in america (I've not even been there, neither has my credit card). It was flagged up by my credit card company (Barclaycard) and they cancelled my card and issued me a new one. I'd always thought that…
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Cash advance question
I am wondering, if I ever needed to get a cash advance off my cc in an emergency, how would the interest be calculated if I had 0% on purchases ? I obviously know the 0% wouldnt apply to the cash advance, but I'm wondering how the two different rates of interest would be calculated ? Ie £500 purchases at 0% £200 cash…
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Capital One Classic Credit Card Questions
Hi, im a new credit card owner and i need some info, ive tryed phoning the company but i dont understand what there saying. :( When i purchase an item say at the beginning of a month for example and after a week say i clear off my balance, would it go back to 26 days again before i get intrest added on when i purchase…
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Bank of Scotland Credit card limit problems
Hey all, I was wondering if there is any help available for this. I am currently doing my own research, but didn't think it would hurt to ask for opinions here. Currently I am a part-time student and will be returning to full time shortly. However, throughout the last year I was in a significant amount of debt. I then took…
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Halifax credit card does not show closing balance online
I've had a Halifax credit card for 10 years. Used to receive a monthly email showing Statement Date, Minimum Amount Payable, and Closing Balance, as well as other stuff. So when I was away I didn't need the Statement delivered by the postman, I could go online, see what I owed, and pay up. A year or two back Halifax…
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Interest
I currently have a Capital One credit card, which i am trying to pay off, but i keep getting charged interest each month. what is the best way to get round this?
