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Can't get rid of my damned credit cards
Well, this is probably a familiar story to some of you, maybe you can help me get free of my money leashes! Like many, I tarted around a bit to keep my repayments low, but one year, I found that I had to spend some money I didn't have, so I used one my cards - lo and behold, I can no longer tart around as my applications…
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Santander cashback card v Tesco Clubcard credit card for buying fuel
I've been buying petrol with my Santander credit card giving me 3% cashback, and I also buy it from Sainsburys so I get the Nectar points on top, but now I've got a Tesco Clubcard credit card which gives 5 points for every £4 of fuel. Can anyone tell me which one is better? I'm thinking the Santander credit card is better…
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Credit card insurance for stolen goods
Hi, Can anyone help please? I purchased a motocross bike on two credit cards 6 days ago and unfortunatly i have had it stolen today. Is there any chance that it will be insured? HSBC mastercard £3000 Santander mastercard £2800 I paid over the phone and then collected it later. Thanks, Rich.
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Barcalycard
I have had a credit card with barcalys since june of this year and had a letter saying they are putting my limit up from 800 to 1200. I just wanted to know how often they look at the credit limit I have a inital visa. I just wanted wanted to know how quick over peoples limits have been put up to and how much is the total…
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Overseas credit card debt
Hi Don't know if anyone can help; we moved back to the UK 5 years ago from the UAE.this week we received a letter from a UK solicitor telling us we owe money from a credit card we had there. My husband asked for proof and they sent us a scanned credit card application form but no other information/proof which we had asked…
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Snag in pre-pay cards
I have a FairFX pre-pay card and have recently discovered a snag. Merchants can charge both an "Authorised" and a "Financial" charge for the same transaction, and this blocks money twice for the same purchase: the Financial charge should cancel the first, but that can take up to 21 days during which time your money is…
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Accepted for Nationwide 0%, is it worth applying for others?
I've just been accepted for Nationwide at 0% but the credit is about half of what I need to balance transfer all my debt. Do you think it's worth apply for another card at another provider using this same credit agency as Nationwide, to see if I will be accepted there? Or should I wait?
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Help me understand how interest works, please?
Ok well I hope someone can help me, it's a really easy question, but I just don't know the answer. I have a santander 0 credit card, I spent 250.00 the month before last and didn't pay it off, so I paid it off on the 1st November. My balance is now 0, if I spend today and repay on the next statement will I pay interest on…
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rules of credit cards
Hi, I have just been a bit dim. I have a credit card from Metro bank. They tell you about a month in advance how much your full bill is. Mine is on "automatic full pay off" from a Metro bank account. One of the big payments (about £900) went out on 21/9/12 before the bill date end of Sept and was refunded 9/10/12 well…
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Balance transfers
Hi, I'm 20 years old and have a balance of £1900 on a credit card. I'm just been accepted for another credit card (barclaycard) with interest free on balance transfers for 9months. My credit limit on this new card is £1000. Question is like, if I transfer as much as I can onto my barclaycard and focus on paying off my…
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Way round paying by credit card charge
I looking to pay for a big holiday using my credit card however the charges would amount to over £100! I want to be covered in all aspects in case anything should go wrong (the travel is ABTA bonded), is there any ways round this? Thanks
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Bad situation... tempted by irresponsibility
I've done a fair bit of trawling the internet for information on whether UK credit card debt can follow you abroad, and the general consensus seems to be that if the amount is low enough, it's unlikely that the CC companies will send their collectors on a global hunt to recover the debt. This info is almost always…
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How much more does Amex charge to retailers compared with other cards
Hi all Just got an Amex charge card and am looking at buying a car, I have the cash but if I can get the Amex points then I'm going to do it that way. My concern is that the difference in the fee charged by amex versus say Visa or Mastercard will be substantial and would be passed onto me and that I would then effectively…
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Credit card application - does income matter?
Hi, I was wondering to what extent income plays a role in credit card applications... Are there any "unofficial" thresholds for each type of credit card? I just applied for two credit cards - Barclays Simplicity and Lloyds Platinum - and both were declined by the automated system. No explanation, no "we will contact you…
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New condition 15.8 LTSB
New Condition 15.8 Hi everyone like many i have received a letter from lloyds TSB, Now from the past 2 years or so i have had a D.M.P and there had been a lot of charges before this and during, the letter sates. From the 1st of January 2013 were changing your credit card agreement with us and adding a new condition to your…
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What is the REAL cost to a CC company
Dear all This is a question that has always been on my mind to ask someone but never knew who to ask or where! My apologies if the answer lies on the site somewhere but I can't get the search terms correct to find the answer. What is the *REAL* cost to a credit card company of a user debt, especially since the BofE base…
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Credit report not showing credit cards properly?
I did experian trial a yr ago & that report showed all cc cards & current accounts. Activated today and a lot of them missing? Iv now updated experian with new address, will this mean the info will be generated by experian & appear correct in few days? Equifax report showing all relevant cards so only reason I can think…
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Advice on settling credit cards please.
I have been involved in a car crash which resulted in me breaking my neck in two places. Luckily I have been told I should make a full recovery. I have two credit cards which are up to their limits, £1500 and £1750. Both with Barclaycard, although the £1750 was originally with Egg but I think they merged with Barclaycard?…
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Section 75 Claim
Hi all A little help if anybody could help me, i recently puchased a car for 13K abd on the second day i notice a noise i duly returned the car and it was diagnosed as a failing gearbox also the brakes squeeled and the radio was intermittent. The garage took it in alledgedly repaired the faults, but all the faults…
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FYI, Ryanair Cash Passport to no longer waive admin fees
For those of you using the Ryanair Cash Passport to avoid their £6 per leg admin fees, starting Dec 2012, the Cash Passport card will no longer be able to do that. From an email I received today: ::sigh::! edit: ah, found this already posted in the travel forum
