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Card usage abroad
just wondering, i'm sure i'v got this wrong? But were due to go abroad soon and i'm going to take my halifax card abroad with me as a back up, obviously whatever is spent on the card will be paid in full when we return! say i spend £300, with the "Load" fee of 2.95% would this cost me £8.85? we are going to be taking a…
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Barclaycard - Additional cardholder
Hi all, Just successfully applied for a Barclaycard to do a balance transfer. We will also use it for a few old purchases and abroad. The missus was thinking of applying for a CC because she's organising a hen do and needs to book hotels and flights and things... on the Barclaycard you can add close relatives as additional…
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Credit search for cards & loans
If you have a good run bank account,cheque book, etc does your bank still do credit searches for credit cards loans, etc, or does your customer service count for anything, Thanks
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So bloody furious with myself - Very Catalogue
Hi all, Don't think anyone can help as I'm bang to rights, but thought I'd asl nonetheless. I purchased a pair of shoes for my partner from the very.co.uk website. They came, I paid, problem solved. What I didn't realise, because I didn't bother to look hard enough obviously, was that they'd charged me delivery seperately…
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Best way to borrow?
Hi there, I'm not really up on how to use credit cards properly, I just purchase on mine then pay off in full when the bill comes in to avoid interest. Basically i'm looking to borrow around £2000 for a new car, and i'm not sure what the best way to do this is. I've heard about 0% credit cards and what not but i'm still…
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Visa Debit Card
I recently used my visa debit card and the payment was taken from my bank account fine - but the exact same amount was also not available for me to draw out of my account. On checking with the bank they say it is visa who are holding this money and can do so for upto 10 days - surely this is illegal. I asked for them to…
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Arrears Fee - Store Card
Hopefully I have posted this on the correct board. I have a N*ew L*ook store card which I use only occasionally if I am purchasing online. As soon as I receive my statement I will pay the full amount that is due. I made an online purchase around 4 weeks ago and just last week I was thinking that I should have received a…
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Making the credit card work for me?
Short story, limit on card approx £1500 and after months of being out of work now have an income. Various other outgoings and once they are all done have £200 to throw at getting it down to zero. As cards don't acrue the interest for 56 days or so should I when I get paid throw 500 at the credit card, pay £300 off the…
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Paying off credit card - Interest
So i finally saved enough to pay off 90% of my Master Card with TSB, but i'm hesitant...will they sting me for the interest they would get over the coming months/years (centuries) or not? I'm really not sure how this works. Thank you for any advice.
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Aqua 3% (but low credit limit). Can you overpay?
I want to purchase something worth £900, on my Aqua card which pays 3% cashback. Unfortunately, my credit limit is only £500. Can I over pay my credit card by £400 before the purchase (meaning Aqua would owe me, and my balance would be positive), and then put a purchase through of £900? Has anyone ever tried purchasing a…
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Capital One down?
Anyone else able to send a payment?
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Closing a credit card account - Need some advice please.
Yesterday I phoned one of my credit card company to say I would like to close my account. I have zero balance on this account and I am trying to reduce my available credit limit in the hope that this will improve my credit report score. After few minutes of conversation this nice lady from the card company offered to…
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intrest free ending !!!
Hello all – In December I will be running to the end of my Interest free Period on my M&S card. I will have approx 1000 left. The interest 15.9% APR variable. Just wondering how much interest this will mean per month approx ?
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suggest for Credit Cards
I want to buy a Credit Cards,who can tell me what bank should i check is the best.
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Stupid mistakes but jsut need to know now
Now I have made several stupid mistakes so please atm i do not need to get told that i made them. I am fully aware :( I was a uni student and I had a student credit card from barclays I had a limit of 750. While i was at uni I paid money when I could. I had difficulties to pay and over the phone (i am sure this is what…
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Who is CEO for Aquacard?
Anyone knows who is CEO for Aquacard and/or knows his email, as I need to make an executive complaint. Many Thanks
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Post Office Credit Card - 0% comm abroad
I didn't have a credit card, but am taking a trip to the USA and the hotel must must must see a credit card, no debit cards or cash deposit allowed - so I got the Post Office credit card. One of the features is 0% commission on foreign purchases. That is all well and good, but what sort of exchange rate should I expect?…
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Anyone had a letter from Tescos about a credit card they don't have?
Just come in from work to find a letter from Tesco Bank saying I owe £1900 in 2 missed payments for a credit card I don't have:mad:! Phoned them up and they told me not to worry as it's some sort of error and other people have got these letters - just wondering if anyone else has got one of these letters - and what sort of…
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Card Charges
Be very careful when buying currency on line - made a mistake and ordered via credit card and today was charged £75 for the mistake. The problem was the drop down box was for credit cards and not debit cards - no mention of any charges but of course it was stated in the terms and conditions (unfortunately I did not read)…
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Credit card improve credit rating?
I've read on the site that getting a credit card and paying off in full each month can improve credit ratings. I've never had a credit card though, and have a minimal student loan (on the scottish system) that I'll only have to start paying off once I graduate and am earning over £15,000. In the interest of getting a…
