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Advice please on BT Card
i have been on this website but mainly on the motoring and Insurance boards. in the last couple weeks i have going through the paper work on my Credit cards and wanted to put the outstanding balance on a BT card (preferably barclaycard because of the 24month 0% BT). I currently have Halifax CC with a balance of £510 which…
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Creation 'plus' cashback??
Just had a call from Creation offering me an upgrade to the account (£1 per month) that gives 1% cashback on purchases, up to a max of £10 per month. Anyone know anything about this? Any catches? I've got a Flybe card with them at the moment. Cheers, FB
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Tesco Club Credit Card
Hi, Was hoping someone could clarify something with regards to my Tesco Clubcard Credit Card (the one with 16 months interest free on purchases). What is the minimum payment? I understand it to be £25 each month. But if I were to spend the maximum amount on the card, £4000, would it still be £25 a month during that 16…
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How do obtain another credit card
Hi All, can someone please tell me how to obtain an additional credit card (I know, I know but........) I only have one and it's in my name my hubby isn't down as an additional user either. Can I apply for another one in my name but not sure I would get one (no late payments or anything but went £3 over my overdraft limit)…
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Vanquis Credit Card Reporting
Hi there, just got accepted with a Vanquis card, however when they phoned i asked them which credit buerus do they report to. They said Experian and Equifax, however to my knowledge aren't there 3 beaurus? I have heard somewhere if a credit card doesn't report to all 3 then that credit card is worthless. Is this the case…
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New first time credit card
Hi Friend of mine, 22 stable job, banks with nationwide, not currently on electoral register, no known adverse credit history, wants to apply for new first credit card to use to build up credit history prior to mortgage application. Should she get on ER first? Where should she apply that may look favourably on her and may…
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Having problems with "tarting" credit cards!
Hi, I currently have 2 cards, Barclaycard (approx 2k balance) and MBNA (approx 5k balance). In the past ive always been able to balance transfer before the 0% periods ended. the MBNA deal ended on 17th October but when i applied for a new card im getting turned down. So far ive tried Halifax, Nationwode & Santander (who i…
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Post Office Travel Money Card
Has anyone ever had the displeasure of using this 'service'? I'm experiencing problems galore, which are mainly due to the diabolical level of customer service they offer. I don't know how the Post Office can put their name to such a service!
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section 75 and debit cards
Hi There, I know that debit cards have a different claim structure to credit cards under the consumer credit act. I would like to know the time limits to which i can make a claim on both types of card. I have made a claim to both credit card and debit card and both have told me they cant do anything becuase of the time…
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Applied for cards
Well I have just spent the last few days making 3 applications on my credit account. The last time I used searches on there was for my current credit card that is due to run out in jan. I have applied for and been accepted for the M&S card. I have had the forms sent out to me today, so i signed them and spent them back. I…
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Marks & Spencer Travel Club - card use.
I've heard that bookings made through the Marks & Spencer Travel Club will ditch the nil % booking fee benefit which only applied when payment was by an M&S credit card - this change effective 1st December 2012. The normal 2.5% (?) will be added. So if you have a holiday booking in mind with them, best get it actioned…
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First credit card
Evening MSE'ers! I'm looking at getting my first credit card for a one off payment (bike license). I would normally save up, but the rules are changing in January, and I would have to wait until I'm 24 to get my full license. My plan is, get a credit card with a limit of £1k, pay for it, and then pay it back at a minium of…
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Natwest YP
I went over my limit by £11, will Natwest revoke my interest free period? Are Natwest likely to re-instate it if I cry over the phone? Thanks.
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Current credit cards...
Hi all, I've posted here once before when I had 2 credit cards, now that's down to 1 with £200 left come the 30th November. Capital one - £879 paid off in one go. October Barclays - £200 left on 30th THIS month. So with only £200 left on a credit card my question is this... as I paid off my Capital one card in one go, I…
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Section 75 claim letter assistance needed.
I paid a tailor to alter 2 jackets. He did the jobs so badly, and failed to follow my instructions about what I wanted done, that both jackets cannot be corrected, even by another skilled tailor. Thus not only do I want the cost of the alterations refunded, I also want compensation for two ruined jackets. The following…
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Barclaycard Balance Transfer help
Ok, so I fear this may get me nowhere, but hey, I can ask huh? Basically, my local credit union just went into liquidation, and so I am no longer tied into having to keep my savings balance with them at the same time as my loan. The FSA paid out savings without any offsetting against loans. While I would have accepted…
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I feel like such an idiot
Hi everyone i'm hoping this is the right place. I have a barclaycard, and my credit limit is £1000 which i have already reached. I'm doing my best to pay off what i can, and have a direct debit set up for £15 each month. It feels like it will never end, i have severe depression and it just makes me feel like i'll but stuck…
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Tesco Credit Cards
Hey all I have a Tesco credit card which is paid in full each month by DD. Tesco usually collect around the 10th and my payment was due by the 15th but the haven't collected. I checked the DD with my bank and everything looks OK so I tried to call the Tesco helpdesk but the number just rings out for minutes on end then…
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Annoying.
What gets to me about credit cards, for example mine is a Mint, is that they impose a Credit Limit - which is fair enough, but they allow you to exceed it then charge you £12. I was a little lax on my payments and a transaction went through taking me over the limit and this happened to me. The next thing I get a letter…
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Help....Dorothy Perkins card.
Hi there, I need some help... I have phoned customer services to close this card as i havent used it for a long time. I wanted the chap to close the account and send me a letter to confirm this. He told me they dont do this, he will leave it open for a few weeks and then close it. He wont send me a letter of confirmation.…
