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0% transfers and proof of income.
I have a barclaycard which I have for about 25 years, have a large credit limit from when I used to earn a lot more. I have quite a large amount owing (about £10000). I have a good credit rating, but earn very little these days. My question is, in order to take advantage of one of the 0% balance transfer cards on offer…
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Does S75 apply on overseas purchases?
Hi all, I'm not sure if this is even in the right thread but I couldn't find any information on it anywhere else so here goes. I'm thinking about making a purchase from Miccostumes.com, a company that is based in Hong Kong. Now this company has lots and lots of glowing reviews but I recently discovered that it is a…
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Tesco and Residual Interest on their Credit Card
Are Tesco the most underhand and deceitful customer facing entity in the UK. Today I received my credit card statement, and I paid the balance due (over 5K), last month, and this month I have to pay them residual interest according to their terms and conditions. No where on their last statement was there any mention of…
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Buying online from UK to USA
Hi Guys Is there any advice on buying products online from the UK in the USA? I know about what card to use in the USA when you are there to avoid large charges. But I recently have bought a few items only to see Barclaycard adding a 267.20 U.S. DOLLAR USA Transaction Fee £ 5.16 So is there a card that does not charge…
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faulty goods bought abroad on creditcard
I bought a camcorder abroad with a credit card. It quickly developed a fault. I took it back within 2 days and asked for a refund and was refused. I contacted the credit card company who advised me to bring it home and make a claim. Now the credit card company want me to pay for an independent assessment of the camera. Can…
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Would i be eligible for a credit card?
With no credit rating? I have a current account which i use to pay for everything so would like a credit card. Ive never been in debt or gone into my overdraft, and the only loan i have had was a student loan which i paid back. I have a PAYG phone and no morgage. I do have some DD on my account but these are for services i…
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Do Tesco Credit cardholders ever get balance transfer deals?
Hi, I've had a Tesco card for about 4 years, got it originally for a balance transfer. When I paid off the outstanding amount at the end of the low interest period, I overpaid slightly, so the card has been sitting in the drawer for several months with a £20 credit balance on it. Looking to transfer a balance again, so…
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Irresponsible lending
Hi, Has anyone taken Credit card companies to task for irresponsible lending? I refer to card companies increasing the limit of an account without it being requested? This happened to me in the past as I approached a card limits they simply increased them without me requesting. This is a big contributory factor as to how I…
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Strange situation paying Very account
Just to check if anyone else has had the same issue. Was paying my final take 3 payment to my very account, typed in my barclaycard number, had enough available funds, address matched etc, but I got an error message saying "Merchant does not accept payments initiated from your location." I live in Glasgow so not exactly…
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How long should it take for Santander to get back to me ?
On the 20th July I applied for the Santander 123 Cash Back credit card, and at the end of the application, it said "save this reference number as we will need it when we get back to you". Its now the 26th and I've heard nothing since, no phone calls, emails or letters. Surly even if I was declined, they'd let me know…
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Halifax CC - No balance showing in My Accounts
Moving banks from Lloyds to Halifax and the online banking is very similar. However my credit card won't show the Balance or Credit Limit in my online banking home page, i have to physically go into the account to see the balance. Anyone else noticed this?
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Advice required on a £3000 purchase
So I want to but some electrical goods totalling 3k. At the moment I have an M&S card with a £4k limit and has £1500 to be paid off. Now I could just buy the equipment on my current card, once I pay of some more of it, which I could do now. But that seems silly! I am after some advice on what the best way to do this would…
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Need credit card statement for MBNA card now with Barclaycard Commercial
I know this might sound daft but I need a number of statements from an MBA business credit card, whcih was sold over to Barclaycard not so long ago. Would Barclaycard have the details or do i contact MBNA despite them not having a business section anymore?
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Is VERY classed as a store card account
Hi, I have recently received a barclays credit card as i wanted to transfer debts from another credit card and Very to this but im not sure if very is classed as a store card or just a catalogue. I have phoned them but they dont seem to have a clue and i havent received an email back from them yet. If i transfer the…
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Will I get a credit card without being on the ER
Everything else being equal, will I get a santander credit card without being on the Electoral register? Does being on the register then make you liable for paying council tax?
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Vanquis credit card...need to speak to me??
Hi, I have really bad credit rating from a few years back but most now paid off bar I think £200 in hubby's name and the mortgage which is paid in full every month! I've just applied for a vanquis card, 2 reasons really . Mainly to get my credit rating up and also to get a better deal on car hire when we go to Florida…
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Credit limit lowered. Why?
My Husband and I have a joint Lloyds credit card which is in his name and he has had for 15+ years. We do rarely use it and have always paid the balance off in full when we get the bill. He also has 2 other credit cards, again used only occasionally and paid off in full. He had a letter yesterday from Lloyds saying "we…
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Card Conundrum
Hi all, Just wanted to see if anyone could give me a little help. I have a debt on a Barclaycard, currently 19.9%. It's around £6700 at present. I have another Barclaycard with nothing on it but a £5k limit. I've just been given an Asda money card with a £950 limit and 0% for 12 months on BT's with 3% fee. I'm trying to…
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Halifax Clarity Vs Aqua - Application to doormat?
Hi all, Left probably too late, but off on holiday a week Monday. What chance do I have if I apply for an Aqua or Halifax Clarity of getting the card in a week? Any holders of these cards, can you give an idea of timescales? Off to Cuba, so can't be an American backed card. Thanks
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Nationwide Debit Card Duplicate Transaction
Hi Just checked my online banking this morning and found that i have been charged twice for two different transactions, One is a Paypal payment and the other was for petrol at a garage It has put me in an unauthorized overdraft Anyone got this problem
