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Is This How It Works?
How pathetic of me. I've owned credit cards for years and still haven't understood the basics, but I think I got it and want to confirm if it is the way it works. (pathetic... don't abuse me. lol.) EXAMPLE: I use my credit card between the 1st of January to the 31st of January and run up say £450. On the 1st of February my…
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is this anything to worry about?
Hi On Friday I received a notification from Halifax about a change in the Ts&Cs it is as follows:- "HOW WE DEAL WITH MONEY YOU OWE US" We're adding a new clause to Condition 11 of your terms and conditions. It means we'll be able to make payments owed to us under your existing agreement from current or savings accounts you…
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Applying for credit card - why do they want your account details
Hello I am looking at getting as Asda credit card but in order to apply for one they want my bank account details. is this normal? I am always reluctant to give out my bank details especially when it is an online application
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Next query
Hello. I recently bought some items in an online next VIP sale. I had them delivered to an address other than my billing address. Due to this i had to pay for the items on my cc instead of them going onto my next account bill. However I returned some of the items and others have been refunded as they were never delivered…
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Egg Money Manager Alternatives
Despite no longer being an Egg (or rather YBS) customer I was happily using Eggs Money Manager up until this weekend without any issues. The site has now been revamped and it seems Money Manager is no more! Does anyone know of any account aggriation websites that work? I did find a link on here once to a website by the…
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Should have known better :(
Hi guys, I'm a very savvy CC tart and have been for many years with balance transfers, or so I thought! But not so savvy now. I missed the first payment on my balance transfer by 2 days and it's cost me £12 late payment fee and £65 in interest charges and they've taken away my promotional rate. (all in black and white on…
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How can I find details about my Credit Card debt
I have an outstanding loan and credit card debt with Lloyds bank from back in 2005 amounting to I thought about £4,000 each, I have no other debts. I have been ill over a number of years and let things overwhelm me but in 2007 with the help of CAB I at least managed to set up minimal monthly repayment arrangements to stop…
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late paying CC
I stupidly missed a payment on my Santander CC. It was due on the 20th. For whatever reason I've completely forgot. I've paid it today so 4 days late. My query is that as of today my account is still showing as up to date even though I know it's not. I'm guessing there's a bit of a delay on their computers. So I paid what…
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Paying off credit cards re: credit rating
Hi All, Hope you are well and not too soggy! I currently have quite a bit of credit card debt (£1700, £1500, £1000, £500). I am about to start looking to buy my first house/flat with my girlfriend and am having sleepless nights about being refused a mortgage because of my credit history/rating :( . I am due a lump sum of…
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Applying for 2 Credit Cards at once
Is it ill-advised to apply online for two credit cards on the same day, within couple of minutes? According to Noddle.co.uk, I have 8/10 chances to get either of them. One is Bank of Scotland, the other is Hallifax. Also, as a separate matter - should I close a credit card account which is on 0 balance since a year, with…
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Payzone Pre-paid Debit Card
I have been sent a free Payzone Pre-paid Debit card. As I am soon going overseas I am unsure about the value of this card - or whether one of the cards that Martin recommends is better. Does anyone have experience of this card? Thank you.
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Fluid credit card rejection
Hi guys, I applied for a fluid card on friday, it got referred and I was subsequently rejected this morning via email, standard credit scoring letter. I took out a loan 6 months ago for a car and owe 2500 on it, the apr is like 14% on the loan as it was my first loan could only get one with my bank from soft searches I…
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Cards
Having a credit card is a good thing in my life cause if I dontr have yet a money still I can avail an item.. But what do you think are the dis-advantages of having a credit card?
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turned down
Hi we have just been turned down when applying for an mbna credit card we were hoping to transfer a balance to get 0% for 20mths, now it's not a major deal, would have just been better, got £2k on our barclaycard with a limit of £5k paying double the minimum payment and extra per week, however, i am now worried that i have…
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First credit card... worth it??
Just thought I'd ask on here if anyone could tell me what my best options would be in my situation... I'm currently 19 and have been in and out of employment (full/part time and seasonal work as well as apprenticeship) since I was 16. Unfortunately due to unforeseen circumstances I am now unemployed (I have a small income…
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Repayment plan & charges reclaim
Does anyone know if I can reclaim my charges back from Capital One & Barclaycard if I'm currently on a repayment plan with them? Thanks
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CREDIT CARD for use in USA
Hi just looking for a little assistance, We are looking to go to new York and florida this year and I am looking at getting a card for those impulse luxury item purchases... I am looking at cards available with 0% on Overseas transaction etc but I wanted to know if it is possible to also get 0% on purchases for 12months ,…
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Credit when returning from abroad
Hi, I've returned to the UK having worked in mainland Europe for 6 years. As a teacher I have a "safe" regular salary,but was turned down by HSBC for a personal loan to pay off credit cards held in the UK as I don't have a recent credit history here. I'd like to apply for a 0% balance transfer on a credit card but am…
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pre paid cards
hi first time posting not sure exactly how to ask this but im sure somebody will be able to point me in the right direction i am recently divorced and im looking for a pre paid card to give to my son that i can just go to a pay point or bank transfare some cash onto it i would prefere the cash route with the pay point so…
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Sect 75 or charge back?
Is there a difference and can the bank choose which to pursue. We bought a car on a Bank mastercard after a few days the vehicle threw up some serious faults firstly the front wheel bearings both were replaced under a " warranty" the dealer told us to pay first and would be refunded ( we stay over 100 miles from him) 6…
