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Barclaycard turned my student mastercard to
a gold mastercard , can they do that I received no letter stating that they are changing it
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Freezing interest on a credit card
Good afternoon, I am struggling with debt at the moment. I have started another thread with my statement of affairs and people have given me some advice. Does anybody know that if I spoke to my credit card company and explained that I was struggling if they could freeze the interest?? If so would this severly affect my…
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AMEX perks
Hi, As an AMEX RED card holder are their any perks I can get at Heathrow Terminal 1? I remember reading somewhere about some card holders getting access to certain lounge areas but I can't find any mention of it on the AMEX website. Has anyone had any experiences of getting any perks at Heathrow by flashing the AMEX card?…
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Credit cards and credit history
Hi guys. Sorry if this is in the wrong sub-forum but I can't find one solely for credit history. I currently have around £1000 on a Lloyds credit card that I am looking at balance transferring to save on interest. I went on a few well known comparison sites and I was told my credit report wasn't good enough. So I signed up…
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Tesco credit card, surprisingly high interest charge
I have a Tesco credit card, on which I do pretty much all my spending on, then pay the full balance every month. This system has meant me not paying any interest, but getting Tesco clubcard points (which become vouchers to spend in Tesco). On my early August statement, the total balance was £800.85, and I didn't quite have…
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BMI - MBNA credit card - interest!!!
Has anyone heard that a credit card still charges you interest even if you paid in full? They said they dont charge interest only if you paid in full 2 months in a roll. So for instance my balance in August was say £30, then i paid it off, before the next bill comes in, i use the card again, I get charged interest…
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Will this cause bad credit rating?
Hello All MSEs out there, I'm new here, and new to the situation I am currently in. Which leads me to my question & hopefully the answer I am seeking. It has been suggested to me that I contact my credit card company (HSBC visa) and suggest I make a good will payment each month, instead of paying the full monthly amount &…
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balance transfer question
hi have a quick question i have just applied for a Halifax 0% interest credit card for 14 months and was successful wish is brill but i didnt ask for a balance transfer as thought i wouldnt need it but as it happens i do need to transfer some from an exsisting card ,will they let me do this once i have card ? sorry if it…
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Credit Card Advice Please...
Hello there.. Im Steve and a new member.. I have a credit card with Halifax, Its limit is 6,000 and Im at 5,970.. The interest rate is 25.45%APR. I always used to pay of in full each month but over the last couple of years I have only been paying the minimum.. Whats the best way to reduce my monthly payments? Next months…
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Travelex Pre-paid card.... anygood??
We are about to travel to America at the end of the month for a short break and we are considering using the Travelex Prepaid card instead of cash. Some on-line reviews have been less than favorable and I'd like to be sure. At this stage we are only going to load around £500 on to the card with the option of adding funds…
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Upgrade from MBNA Platinum to MBNA More Rewards Amex
I've been offered an automatic upgrade from my current Platinum account to the More Rewards account(which comes with 2 cards - Amex & Visa) by MBNA without any credit checks. Did any one else get the same offer and is this a good card to 'upgrade to' from the Platinum one?…
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Vanquis
Hi All, I'm a posting virgin so be gentle :) So, I'm on a DMP following extreme f*ckuppery involving divorce and various other life-traumas. Result is I was left with around 15k of debt (which I wasn't solely responsible but, long story short, I'm paying off). I now have about 8.5K left and am looking to be debt free…
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£16 credit card 'debt' results in declined mortgage
Around 12 months ago I repaid my MBNA credit card just before moving home. Although I owed them nothing I advised them I was moving but they continued sending statements to my previous address. The first statement (to my previous address after I moved) included some spurious £16 commission charge despite me never having…
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credit cards
I frequently take out new credit cards with 0% interest on balance transfers. should i cancel any old ones i have? also if i do, can i apply to these companies for a new one at a later date?
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Should we cancel credit cards?
My husband and I are downsizing, moving to a smaller property and using some of our equity to pay off all our credit cards. Should we cancel our credit cards or keep the accounts open but cut them up? We have seven credit cards between us, I'd like to keep one each but would like the cancel the rest to make things simpler,…
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Nationwide Select CC
Hi, I had my gold cc changed to a select cc from nationwide and it says I get cashback if I put a certain amount in my nationwide current account each month. Now I have not put a monthly amount in my nationwide current account as I switched to santander. So it shows online that I seem to be getting a cashback but surely…
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Store card not on Credit Report?
I just got an Experian Credit report and having looked through it I've noticed that a store card I have which has a small balance on it does not show up on this. Anyone know why? I called them today re not receiving bills since I moved a few months back and was told they still have me down as my maiden name even tho I sent…
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Credit Card Paid Off - Still Owe Money
I've been away from home for a couple of weeks and come home to find a letter from MBNA Credit Card saying I owe £33.17. I was surprised as I thought I had paid off my Virgin Credit Card in June and I was certain I hadn't used it since. So I've been online to see where the amount has been charge from. I don't get paper…
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Mastercard Securecode causing balance queries
Everytime I use Mastercard Securecode during online purchases my credit card balance goes out by 60 odd pence for a few days. Between what I know I've spent on the card and my remaining available balance there's always about 60p missing. Although this is always rectified in the end it does always leave me thinking the…
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Prime v Sub Prime %
Hi All , just wondered at what point the interest rate on a CC is deemed to be a Prime card rate as opposed to a Sub Prime CC ? Regards
