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Virgin Credit Card - £12 default charges
Hi All, Really need some advise with where I stand with Virgin. In March I took out their 0% on balance transfers in Feb I transfered around £2000 on to it. I was well under the impression that I had set up a direct debit at this time. However turns out i didnt and the following statement showed i had missed a payment, and…
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Joint Uni Credit Card?
Hi, I hope someone can help, I've been looking at the credit card best buys but I wondered if there was a credit card that my son could use at uni but is a 'joint' one (my husband would be paying it off and keeping an eye on what is spent on it!) It would be an 'emergency only' one and NOT for general spending! Thanks very…
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switching my overdraft to a credit card?
i am always in my overdraft by the end of the month, overdraft limit is £1500 and by payday i'm probably £600/£800 into it, total interest charges last year was £65. I have a fresh credit card now after a recent balance transfer, so my thinking is to use this card for everyday spending, but pay it off in full, this will…
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Natwest YourPoints
Bought 600 euros and 69000 HUF on my Natwest Your Points. Didn't read T&C's regarding cash advance, have been stung for £20 on top of the initial £700. How will the interest on this be calculated? Is £20 for the month?
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Confused about Halifax Clarity
We used to always use our Nationwide card abroad as you could pre-load it or charge meals and purchases to it. Now that card has been done away with we are looking for a new one but can't see one that does both functions like our old card. I applied for a Halifax Clarity card, but on reading the threads I'm worried I'll…
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Uni student credit card questions! Please help!
Hi everyone, I am going to uni this september, and although I do not have a part time job now I am going to try to get one to support myself financially. Currently, my dad is helping me and I have a student loan all approved and a maintanance loan too. I've been with my bank (Santander UK) for possibly two years now. I…
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Credit rating repair
I paid off an IVA March 2011 and I need to repair my score. It's gone from very poor to poor so far. I've tried for a capital one high interest card just to build the rating but i was refused. This means I can't apply for any cards or loans. I am paying my mobile phone and Mtg on time every month. What else can I do. Any…
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Amex & uca?
I received a letter on the 24th August explaining that AMEX were referring me to an external debt collection agency called "UCA". I received an SMS this morning from 07537404573 who were claiming to be UCA, and advised me to call them on 01772765283. I've looked up both numbers on whocallsme.com and found that the 075…
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American Express don't accept Balance Transfers?
Hi all, Have had a quick search and can't see anyone who has had the same experience. Just called Halifax to make a Balance Transfer from my AmEx. Was told that AmEx do not accept BTs (when questioned he accepted it may be just from the Lloyds group, not all banks) but I did confirm that it was an AmEx policy, not a…
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fuel deposit/debit card
May I apologise if this is in the wrong thread but I wasn't sure where to put it. On Monday 20yh august my car broke down and through the breakdown company was able to hire a car ( I only did this as my brother was returning from Cyprus and needed to be picked up from his RAF station) I had to give my debit card for a fuel…
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credit card newbie- advice please,which one for travelling?
Hi everyone, I have never had a credit card (which I am quite proud of..) and have always used my barclays visa debit for purchases, holidays abroad, etc. but now the time has come.. we are planning on going to the US in march, for 2 weeks and want to hire a car. I have already asked in the holiday forum and most people…
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MSE News: Card surcharge ban moves closer
"The Government has today launched a consultation on implementing an end to unfair credit and debit card fees ..." Read the full story: Card surcharge ban moves closer
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£3000 to spend - what card?
Hi guys, I am looking to spend £3000 in the next month and am looking for a card that gives me a reward/cash back. I have the money to clear the balance straightaway and it can't be Amex. Any ideas??? Thanks:j
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credit card charges
I have had the credit card since 1996, I have asked them for a full list of charges they charged me, they have sent me a list for only the last 6 years, is that right or should they have gone back to 1996 ? any one help ?
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Transfering money from a CC to bank acct
Hi all Im after abit of your advice. We are currently purchasing a car from a dealer. After paying the £250 deposit on CC (extra protection) and trading in our car we have £3000 left to pay. We want to use our Barclaycard as our purchase rate is 6.9% which is lower than a loan we could get. The dealer is not thrilled about…
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PingIt & Visa - Will I get charged?
Hi, I want to pay off a credit account with one of my Visa cards. The reason for this is that the APR on my Visa is lower than on the credit account by quite an amount. I can't do a balance transfer and the credit account won't accept credit card for payments. I have the space on my credit card, it's just getting the cash…
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capital one over limit
hi all, i have a capital one classic card and i went overlimit for a period of 1 week and have since cleared half my balance (only £500 limit) i was wondering what the consequence of this would be, i know about the charge and i have paid that i am just worried that i will not be able to use the card for some reason or…
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Can you apply for Aqua Cashback if you already have the regular Aqua?
I have a regular Aqua with £1,600 limit. Have had it 3 or 4 years and never missed a payment; started at £1k and they've kept putting up the limit. Can I also apply for the new CashBack card?
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Barclaycard query
Hiya everyone I'm still trying to get my head around credit cards. Just when I thought I had it sussed, something weird happened again! So I have a Barclaycard. my 0% offer has run out and my interest is due to go on. about 3 months ago i applied for a few cards to balance transfer and got rejected. so be it, i'll just…
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Pre-apllication checks
With which companies can you carry out on-line pre application checks that don't show up/affect your credit ratings? Dunree :) ps, appart from B/Card
