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I thought card handling fees were banned?
Hi Just booked a two cinema tickets at odeon. Paid with visa debit. Cost £25ish + £1.50 card handling fee. Accepted as I wanted to keep the seats I'd selected, but it crossed my mind weren't these profiteering fees supposed to be banned by now? I thought from 2012? Appreciate any light anyone can shed on this! Thanks
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Credit cards and Credit Ratings - a request for help!
Hi there, (it's my first post so please be kind!) My husband and I are saving for our first house, we have paid off a large loan and outstanding credit balance from my husband's side all by the end of last year yet my husband's credit rating is still quite low (low 600s). So I'm not sure what we are doing wrong here :( as…
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Halifax drop my limit
I got a text message last night from Halifax telling me they were dropping my credit limit from £8900 to £1900! I pay the card off each month usually around £1500, I then had my card refused today, because last months payment is not due until 30th of the month, last months bill was £1600 which it seems only left me with…
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Creation Credit Cards WARNING
I've been carrying out a check on all my debt and have noticed, what i consider to be, a real problem with the way Creations monthly statement calculations work. This to me presents a real problem but unfortunately no one over at creation wants to hear my complaint. For those of you out there who use BT's offers and still…
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Total Cost of Credit (£) - What does this mean?
I'm just applying for a tesco credit card 0% and right at the end I get to a screen where it tells me it's been accepted and then it says "Total Cost of Credit (£) 102.41". It says to refer to credit agreement for more info but I can't see it in there either. Its a new card with no balance transfers or anything, no fee. Am…
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Getting refund on HMV vouchers bought through Amex 20% Promo
Hi All, This is a thread for those who bought HMV vouchers through the Amex promo that ran in Nov and Dec 2012 (you can still see it here http://www.cardmemberoffers.co.uk/ba/) Now that HMV have gone into administration, a lot of us have been left with vouchers we cannot use, bought with our American Express cards. I…
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2nd Thread as didnt really get enough info first time round
I am asking this question again purely because I need a few more answers and maybe try and word it abit better for a better explanation. I am currently a self employed brickie and have my own home. I am finding it hard to cope with this weather especially just after xmas. I am quite for into my overdraft (£1400) and am…
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NW balance transfer offer also with money transfer
Hi, I had an letter from Nat West for a 12 month balance transfer offer for 12 months on my NW credit card. It also said there was an offer for 0% money transfer to any bank account for the same 12 months up to the cash limit (which is £2000). Let's call this card NW1. I also have another NW credit card which has a similar…
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Best Packages
I planned to go Kerala tour could you plz suggest best packages from chennai.
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Using credit card to get foreign currency?
I have a Tesco credit card (tescobank.com/personal/finance/creditcards/ the top card) and was just wondering if I could use it to get foreign currency and it be treated as a purchase? I would usually withdraw money from my current account, find out which shops have the best exchange rate and go in with a wad of cash and…
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837 credit score - "You have no successfully settled non-mail order accounts."
Hello, I've just recently signed up to Experian CreditExpert and received my PIN in the post today. My score is 837 ('Fair') and I've been able to see now that I have 1 negative factor: "You have no successfully settled non-mail order accounts." What does this mean in reality? Many thanks
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How long should I wait before re-applying for a credit card after rejection?
About a month ago i tried to apply for a credit card balance transfer so I could transfer debt from one cc at 26.9% to 0% to save interest cost however I was rejected. I assume this is because I probably had a high enough limit and balance as all my other credit scores are probably OK (i have checked my file). I always pay…
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Transfer Credit Card Debt to Friend
Apologies if this is covered elsewhere. I searched as much as I could! I have an ex girlfriends debt on a card in my name. She currently pays me an amount per month to cover the repayments but I would rather she just had the debt on a card of her own. Do you know any 0% cards that accept a transfer to a different person?…
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The credit card company would not cancel PPI
Hi everyone In 2001 I took out a credit card. I presumed PPI would be useful at the time. However I became self employed just after. I tried to cancel it when I realised it was useless to me over the phone but the operator told me I couldn't cancel it because I had 'credit' from the card. Even though I told her about my…
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Credit Card Consolidation
I have just consolidated 3 credit cards I have onto 1 new card, so in total now have 4 credit cards. on the three empty ones, which I dont intend to spend on; my question is, is it better to keep these 3 additional cards open or close them, from the point of view of how a credit agency read. eg I have £650 trasnferred onto…
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£200 refund onto Tesco CC with zero balance?
Hi all, Just thinking about the quickest way to access money from a credit card that will be £200 in credit when a refund is processed? If I took the money out of a cash point or did a money transfer, for example, I gather I would be charged my 3% cash advance fee and it would go on my credit report as a cash advance of…
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How does Tesco CC work out interest?
My Dec balance due to be paid was £1163.84, I paid £1000 leaving £163.84. My December statement said - if I made the min payment of £23 - estimated interest would be £26.71 So Jan statement now has £30.75 interest on it! on a balance of £163.84?? Tried to get through on the phone to them for the past half hour....
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Incomplete name on credi card
My son has a new credit card account. The name embossed on his credit card is truncated - it misses the last 2 letters of his surname off. The correspondence from the bank appears to be in the correct name, so I assume that the account name is correct, and this may be an issue that his name is too long for the card. What…
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Barclaycard advice needed ASAP
Good morning Earlier this month I reached an agreement with Barclaycard that I would pay a token amount for two months, January & February, on my account. Namely £50. This was so to ease our current financial situation. I agreed I would pay any arrears, and a large lump sum of the account, in March when I'm due to get a…
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Company Credit Card & Credit Rating...
Hello!! Not sure if this is the right place to post this and it may be a bit of a daft question.... I want to have a company credit card for my expenses - mainly because I'm fed up with having to pay for my expenses out of my own account and wait up to 8 weeks to receive my money back from work! I'm still waiting for £150…
