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Credit card ppi - nationwide
I wrote and asked Nationwide for a list of charges on my credit card which I took out with the in l998 and also sent them a copy of a statement with this date. However, when the info came back they only sent info on charges for the last six years, which did not have ppi on it, although I paid ppi from 1998 to about 2006.…
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Secured credit cards?
Hiya, I've never had any form of credit,no overdraft,catalogues etc and have found because of this I now find it difficult to even obtain a contract phone! The secure credit card offered by capital one,where you pay a security deposit before recieving your card, will using one of these this improve my credit rating? Thank…
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Payments and interest charges
Has anyone come across this one - specifically from Barclaycard: Statement in June reads - 'we will take your direct debit of £40 from you on or around 16 June'. Nothing else. no small print, no unless. The statement was for over £1000 so husband did calculation and paid £960 in to the account (amounts rounded for…
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Advice on paying of 2 high interest credit cards please.
Hello all, not sure if posted in the right place, but..... I was hoping for some advice on paying off my credit cards. I have had bad credit in the past so I took out a credit card to help rebuild which was going well to start off with. I had it paid off at the end of every month so that was great. Towards the end of last…
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Capital one purchase interest
Hi i ususally pay off my credit card every month but last month i didn't i just payed the minimum payment but then this month i did pay the entire balance off. on the latest statement i've been charged a purchase interest only 4 pounds but i'm not sure why its appeared as i payed the entire balance. Is this what people…
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Barclaycard retention team are hard work
I phoned Barclaycard at the weekend to close my account. It's all paid off and I've decided I don't want it sitting around when I don't need it. Also, I've read that having available credit can count against you when you apply for a mortgage. Anyway, they tried all sorts to get me to change my mind. First they said they…
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Section 75 or Chargeback?
Recently, I purchased 2 electrical items on line from a French supplier that I had used before. The cost of the 2 items is 126Euros which amounted to a charge of £103 on my MasterCard. Despite the Company's Ts and Cs stating that the goods would be despatched within 3 days, the goods have not been sent. When I queried the…
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Barclaycard Arrears
Has anyone ever known Barclaycard to put a charge against someones home for arrears, or turned it into a secured loan?
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0% Balance Transfer Offers on Current Cards
Hi All I'm wondering if someone can help me with a maths query. I have two credit cards, both of which are currently offering me a 0% on balance transfers for 6 & 9 months respectively with a fees of 3 & 3.5% Is a way to calculate the saving or otherwise by paying the fee and getting the 0% deal against how much interest…
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Is an extra credit card good or bad for my credit score?
Okay, so a few Weeks ago I apply for an orange credit card, my application was referred. I gave up hope, got a 0.5% cashback capital one card and use it for a bit, then yesterday out of the blue, I get a latter saying "your new orange credit card pin etc etc". Now I don't need both I already have a card with a no intrest…
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pre-authorisation?
a couple of days ago i placed an order for a lens i am renting for my upcoming holiday . when you place the order the company does a pre-authorisation on your debit card for the amount but doesnt charge it . as soon as the order was complete , my bank adjusted my balance by the according amount . am i right in thinking…
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Balance transfer or keep existing card - needing some help
Hello guys :) I hold a Lloyds TSB student mastercard, and the rate of interest is 19.9%, which seems quite high to a few cards I've seen around. My balance on the card is £647 with a £1200 credit limit I am not particularly financially minded, and would appreciate any advice on what my options are at this stage - would I…
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re. waiting time for John Lewis partner credit card
I recently applied online for one of these and was initially accepted. They sent me forms to complete which I did during last week. Can anyone tell me whether they usually take the full 2-3 weeks to supply the card? I am hoping to use it soon for some planned larger purchases.
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Best bang for your buck reward credit card
Hi guys, I currently have a Nectar Credit Card but I am looking to change cards to give me better value for money. I checked the MSE Reward Checker and I can see that BHS credit card gives you an equivalent of 1p per £1 spent. I compared the other cards and it looks like BHS card gives you more bang for your buck for the…
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Capital One
Good afternoon, I have got a letter in regard to capital one saying that I have been 'pre-selected' for the card. How true is this due to my DRO 2 years ago? I have been thinking about getting a card to try and rebuild my history. What are my chances of getting a card? Regards, Nut97
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What is the 'Best Credit Card Freebie'?
Hello everybody, What is the best/ Number 1 Credit Card Freebie out there?
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Transfer Money From Credit Card (Barcleycard) To Pay For Private Car Sale - options?
I have limited myself to £4500 on my nice new long term interest free Barclaycard credit card (thanks to MSE). After looking around many trade sellers I didn't find anything that really caught my eye. However, there are at least 3 private sellers offering what look to be very nice vehicles. My question to you guys is, what…
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MBNA timing query
If my memory serves me right any BT offer available on your account used to automatically extend for a month as each month passed. So for example if you logged in on say the 29th of july there might be an offer of a transfer until july of next year but if you waited a few days until the start of the next month and logged…
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What's the criteria/eligiblity for platinum barclaycard
I have been reading that the minimum income required for a platinum barclaycard is £20,000 yet I have got one and I have a total income of £9,400 tax free as I'm on benefits and working part time. When applying I said I had and income of 12,400 as I included the housing benefit and council tax benefit I get. Have they made…
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Play.com (MBNA) credit card application
Hi I recently applied for a Virgin and Play.com credit card with MBNA. I went through the application and agreed to the contracts etc but got the 7-10 day message. Well I have received an email declining me for the Virgin card. However, I received an email for the Play.com card asking me to click on a link to view and…
