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Newbie needs advice on credit card application
Hello all, I'd be grateful for some guidance here.................. I've been living abroad (in Spain) for some 12 years and have now moved back to Blighty. I'm renting at the moment and have sent the form off to get on the Electoral Register. I would find a credit card useful, but don't really know how to proceed. The…
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Santander 123 - Charged interest even though bill paid in full by DD
I received my Santander 123 CC statement today and discovered they had charged me interest even though I pay my bill in full by direct debit. :eek: The direct debit had been taken but had arrived a day late in the credit card account. It was due to arrive on a Sunday but actually arrived on the Monday. I called Santander…
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miffed at nationwide credit card application
My Oh applied on line 3 weeks ago for their 0% balance transfer credit card and he was accepted in principle with a credit limit of £4,500 and an APR of 9.9%. He's not received it so decided to give them a call, (worried that it had been intercepted in the post). They informed him that they had got his application on their…
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withdrawing money using a credit card
ok, firstly, I know I know, its the worst thing in the world and should never be done, im only going to do it for a week til i get paid and am going to pay it straight back, i know i have to pay a £3 fee to withdraw and im happy with that, but i was hoping someone might be able to help me work out what the interest rate…
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Need help with Aktiv Kapital UK Ltd
Hi All My Girl friend has just started getting letter for the above, so i sent up a email address and email them. The below i what i sent because i she told me the debt was form years and years ago. I do not acknowledge any debt to you or any other company or organisation that you claim to be representing. Dear Sir/Madam…
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Credit card direct debit....
:wave: Afternoon, We got through our new CC today and DH has phoned them to arrange the BT, all done, he also asked to set up the direct debit. They advised that the statement will be produced in Jan for payment on 1st Feb Does this sound right? No payment coming out in Jan? Also, they advised setting up a payment 'just in…
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Citibank Prepaid Card - Is there an Account Maintenance Fee?
I recently received a Citibank Prepaid Card through the Nikon cash back scheme, card was topped up with £35 which I have now spent. Checked the Terms and Conditions on the card and it appears that the card may be subject to an Account Maintenance Fee? Am I right in my assumption? If so Nikon have been very naughty in not…
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Transfer balance and then back again?
I currently have two credit cards: - A Halifax card with a balance of zero - A Virgin card with a balance of £3500 Virgin are currently offering 0% on balance transfers made before 31/1/2013, so my question is: Can I transfer some/all of the £3500 from the Virgin card to the Halifax card, and then transfer it straight back…
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promotion code
Does anybody have a promotion code for ELC? Thank you.
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combined purchase and balancer transfer cards
The golden rule used to be to never ever purchase on a balance transfer card and vice versa as that was a sure way to get suckered in to paying hefty interest rates. Has that advice changed now because I can't find this anywhere? thanks
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Credit card part payment
I'm having a bit of a problem with my HSBC credit card at the moment. Basically, my bill is almost due, and I'm awaiting a refund. I know from experience that refunds cannot be processed if my credit card balance is not at least equal to the refund amount. So, could I make a part payment to my credit card balance, which…
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re-cashback
Hi Guys. Can anyone tell me if I get 5 % cashback on M&S gift vouchers, et.al, using my new Capital 1 Aspire Credit Card.?
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How to figure out whats owed on credit card
Hi I have a credit card with two different rates, so its hard for me to see how much I owe on the one rate, as the laws changed midway though the term: used to be that payments would go to lower interest rate first, now they are going to the higher APR amount first. What I do know is: The starting amount of the card, ie…
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Do I need a credit card?
Hello, I promise this post isn't here to wind people up, it's a genuine question! I have switched my spending onto a Halifax/BoS cashback credit card, of course paying back in full each month. I'm finding it hard to easily see how much disposable income that I have each month as the payments are always a month in arrears.…
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Tesco credit card fraud
I have a Tesco credit card, I went online yesterday to check the account on line and noticed a suspicious transaction. It was for £1,700 and was a money transfer. Tescos were rung immediately, have stopped the card and their fraud dept is investigating. Does anyone know how long this will take? My statement date is on the…
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HSBC Credit Card
Some help if possible, my mother in law received a call from the bank wanting to know why she hadn't paid her minimum payment, she indicated that she hadn't used her card and therefore had nothing to pay, they preceded to inform her that £4000 in cash had been withdrawn from an ATM over the last thirty days. She had no…
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Help! Advice to best negotiate interest rates down for £20k debt
Can you hep! I have a dear friend who is has a £20,000 debt on a few cards and missed a few payments. I have advised then ensure they create a standing order to meet minimum payments. I said they could negotiate the interest rates down or have the interest frozen so they can pay it off. Are they any web links to article on…
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How 'holding a balance' effects your score?
I'm 20, and I've got a BC Initial (£800) and a Cap One Classic (£500). I hold a balance of around £700 total over both cards, and I am paying just over the minimum every month. Just wondering, how holding a balance for so long will effect my credit rating? -- For context; Had BC for between 12-18 months. Was paid off every…
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Can I transfer money from my Tesco 0% on purchases card to my current account?
Hi I'm a newbie to credit cards in fact this is my first one and don't wanna make any mistakes I can't afford to. I got it to make some purchases over the xmas period having started a new stable job after uni I am yet to amount any savings. Things are starting to get tight and I've arranged a £500 OD with my current…
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A quick question about interest free periods
How many people out there have taken advantage of the 0% interest free period on a new credit card on either balance transfer or purchases for a nominated length of time? But assumed that there would be no payments due until the interest free period came to an end as well? I work in the collections department of a credit…
