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Non Sterling Transactions
Hi, The last couple of months or so I have been getting charged by RBS for non sterling transactions in the US. is this charge across the board with all credit cards or is there cards that do not charge for non sterling transactions. the transactions I am talking about would be purchases and subscriptions. I look forward…
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Credit Reports, effects of late payment markers
After looking online into the FICO credit scoring model, it would appear that being more than 2 months behind with payments is the critical point at which you will do serious longer term harm to your credit rating. If this is correct, does anyone know if this also applies to credit scoring models used by lenders in this…
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last payment cleared date before christmas?
So I use my cc as my spending money and pay it off each month, if I pay it tomorrow will it be cleared say Friday? Are payment processed over christmas?
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Argos card and intrest free periods
Hi Looking for some advise on my Argos card. I have a laptop on 12 months interest free which I dont need to clear until next October so isnt a worry, However I am looking at using it to buy just under £100 worth of stuff tomorrow. This can go on 3 months interest free but I plan to pay this off in a week or so. Am I right…
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2012 Credit Card Resolution Achievement!
Hi, not really sure if this is the right forum to post on so please don't lynch me! But one of my resolutions for 2012 was to clear my credit card debt and as of yesterday, I have done it! :T I've been with my husband for nearly 14 years now and I have credit cards as far back as I remember, in fact I even remember having…
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balance transfer query
Good afternoon all! My husband has just applied and been accepted for a Barclaycard platinum card...14mths 0% interest on balance transfers AND purchases :j then APR 19.9% He has 2 credit cards already...the credit building ones... Cap 1 and Vanquis...used regularly, no late payments or maxed out ;) When he applied he…
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Any point in "appealing" declined card?
Hi guys. Ive just been declined a 0% balance transfer card through Capital one. Wanted to transfer my existing Barclaycard Initial (who have just increased my limit to £1200) balance of £800 as the 0% period has ended. Now I have been "pre-approved" their Cap One Classic Visa card yet didn't get their 0% card. There is no…
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Extra payments to Barclaycard - confusing
I have been paying minimum payments to my Barclaycard (was Egg) for quite a while via their direct debit facility. Last month I decided to manually pay an extra amount of 25 pounds a while before the due date. I've just looked at recent transactions online and was surprised to see that the amount taken by direct debit had…
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Will specsavers let me change debit cards?
My mum pays for my contact lenses. Can I change it so that I can use my debit card instead of hers?
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Barclaycard Platinum 0% interest free question
I've successfully applied for and received my card that comes with 2 offers. 0% for 20 months on balance transfers and 0% on purchases for 3 months. My question, which their CS were unable to confidently answer, is how are my repayments distributed ? In other words, after 3 months, will I be stuck with any purchases…
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Redundant Ryanair Card - unloading!
Hi all, As a frequent flyer I've always tried to keep a step ahead of the travelling circus of the sky that is Ryanair with their arrogant card charges but am now stuck with money on my cash passport card as they've now declared that it too incurs a fee. There is no point me topping it up again (minimum top-up of £150) so…
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Lloyds Premier Duo £50 fee help needed !
I have a Lloyds Premier Current account which I will be downgrading to a Classic account as I don't get all the benefits of paying them £25 per month !, and I know I should have done it years ago !. Anyway the Premier Duo credit cards that came with it cost £50 per year, which is waived if you have a Premier Bank account,…
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Help on BT card :)
Hello all, I have not had to apply for a 0% card for a while so looking for some advice. I currently owe- £1550 virgin 0% til march £1300 on tesco 0% just ended £2300 for my holiday which will go on my Halifax card at the end of the month I have just moved the tesco balance last week to my Halifax clarity card and closed…
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MSE News: New Amex cashback deal targets Tesco, Harvey Nichols and more
"American Express holders can get 50% or even 100% of the value of their purchase back on two offers this month..." Read the full story: New Amex cashback deal targets Tesco, Harvey Nichols and more
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£500 Limit Fees
I have £500 available on a credit card and might need to pay for some stuff for my job after Xmas. (It has to be in cash) It says the cash withdrawal fee is 3% of the withdrawal or £3 minimum, so £480/100 x3 = £14.40 which would eat up £494.40 of my balance is this how it would work? Cheers. Edit - I plan to pay most of it…
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MBNA credit cards - reviews?
What are your thoughts on MBNA credit cards? https://www.mbna.co.uk/choose-credit-card/ Seems to be owned by Bank of America. But what about their offering? (Have you seen any good reviews floating about?)
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advice needed, what to do
I have 2 credit cards, £4500 and £2500 The 0% has finished so we are now paying interest on the above amounts, and it aint cheap. I am looking for the best advice on a new 0% card. or any other way, looked at a loan but they are 7% or so
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Post Office Credit Card Application
1 week ago I made an application for a Post Office credit card on-line, today I received a letter via post, which states I have previously applied for a Post Office credit card, to which I assume my application has been rejected. I have telephoned the Post Office, who have advised me that there has only been 1 application…
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Dormant Amex Charges
Don't know if everyone is aware of this, but it came as a shock to me. Maybe this will save a few other people some money. I recently received a letter from Amex with a "Dormancy Fee" charge on it. Almost slipped through as I know I haven't used that card in a while (clearly!) so don't pay much attention to their letters.…
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Transferring money to the UK from abroad
Hello Money Experts! I live in Canada, but I'm paying off my student loan in the UK. My question - what is the most cost effective way to transfer money from Canada to the UK (i.e. avoiding money transfer fees, exchange rate fees etc), either directly to the student loans company or into my UK bank account, for me to then…
