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Credit Cart Spam with Direct Bargains on Ipad Mini
Please be careful if you receive an email coming from Australian discount online store DirectBargains.com.au, you should verify the link before clicking on it, since it may actually be a fake email to trap you designed by cybercriminals. Lula Snidger has been through one variant that offers ipad mini for only $40…
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AMEX Nectar Credit Card. Fee or no Fee?
Hi, I checked the AMEX website and in my search criteria I clicked - Credit Cards w/ no annual fee. The Nectar Credit Card apparently matched this criteria, however clicking on it - it has shown me that there is a £25 fee... Which one is it?
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should I try a chargeback?
Hi first post here, apologies if this post should not belong to this forum. Situation: 3 months ago, my girlfriend bought a return flight tickets to China. On the return trip, she missed her flight... she arrived exactly 30 minutes before the flight was bound to depart - she has a parking receipt from the airport to prove.…
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ATM Fraud
Hello all, First time posting on here and I could really do with some help. 2 weeks ago I applied for and got a Barclaycard as it was offering a cracking balance transfer deal. Everything was going smoothly with no issues at all until I logged on to view my statement. I received my card approx a week ago but not yet…
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Credit Card Consumer- are you still covered if you terminate your credit card?
Just wondering if anyone knows the answer to this. I purchased a future holiday on a Nationwide 0% credit card- the 0% period is now up and i have cleared the card. Normally i would now terminate the credit card and leave it a month or two and apply for a new 0% deal card. However i'd like to ensure i still have the…
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Santander 123 credit card - not free for ever?
A year ago I opened a 123 current account with Santander. They asked whether I would like a 123 cashback credit card as well, and told me that although there was a £24 fee for this credit card, the fee would be waived for 123 current account holders. Ignore the paperwork, said the Santander person - it mentions a £24 fee,…
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Debenhams credit card!
Hi, I took out a debenhams credit card less than a couple of weeks ago, as I was offered 10% off. Its been a right pain, I've activated it 3 times and no luck with it working! The thing thats really irritating is I want to register for online banking, but the forms don't do anything when I click submit. Have tried using…
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Credit advice
Hi all, I was being refused credit due to having a default on my credit score from 2008. Last April I applied for and was accepted for the Vanquis 39.9APR credit card which Martin advised to use to improve credit by clearing the balance every month which i have done so, in turn having my original credit of £500 increased…
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equity release fraud
Hi all, A big glossy brochure from a "retirement specialist" company has just landed on our doormat. I've opened the envelope and noticed that it was addressed to the bloke whom I bought my house off 5 years ago. He has since left the UK to live abroad. He has made enquiries with said company to release equity from MY…
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Mixing life-of-balance and 0% transfers on same card?
Hi everyone, I have a barclaycard and transferred £800 to it at 6.9% for life-of-balance. I logged on just now to transfer more money to the same deal, but instead they're offering me 0% until November 2013. Is it wise to transfer circa £600 to the card at 0% (from 34.0%) when there is already the LOB on it? What are the…
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Amex application and household income
Hi, I cohabit with my partner but we don't have joint finances. When it comes to declaring the household income in the application form for a new card, what should we declare?
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Credit card, loan or something else?
Hello, I'm sorry if this is on the wrong board, I'm not sure where it should be. I'm basically just looking for some help on buying a car, as I'm getting very confused trying to research myself. I've currently got a graduate overdraft, a student credit card, and have always lived within these limits. I don't know much…
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Vanquis (Granite)
Ive had my vanquis card now for nearly two years, it was my first step to rebuilding and is therefore my oldest account on my credit file (which is now quite healthy) I would like to keep the card and so was wondering if anyone had had any joy or know of anyone who has had any luck in getting them to reduce the APR on the…
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Fake Goods
Oh dear:mad: Stupidly bought a Ralph Lauren Hoodie on line off what appeared to be a genuine website. Duly arrived from China looking more like a elephant than a pony. I've raised the issue with the credit card provider but they need confirmation from Ralph Lauren that it is actually fake. Ralph Lauren will not do that. I…
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Barclaycard balance transfer
I did a balance transfer at the beginning of the month to Barclaycard as they were offering 0% for up to 12 months: I transferred 4 little ones online; BUT today on my statement only 2 have gone through and not only have I been charged the balance transfer fee as expected, they have also charged me a purchase fee of 17.9%.…
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PayPal Mastercard
This is NOT their prepaid card or anything you use on e-bay...it's a straight credit card owned by Santander. We don't use it anymore, do not get paper statements and it is not registered on-line. I phone an automated number every month, hear the balance and make a payment. No problem. Now the number to ring has changed…
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when to change cards
i have the barclaycard intial that i opened about july last year when would you think it is best to try to get a better card
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hard to get 0% purchase cards?
I've always been quite against borrowing money you dont have, but I'm tempted to pay my car insurance with a card this year so I can save on the premium of paying them monthly, and get a 0% card so i get no interest while I'm paying it off. I'm quite new to cards, but I thought 0% on purchases seems a pretty good deal, so…
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Best credit card for money transfers
Hi, What's the best credit card for money transfers to a current account? I have recently had a Virgin and MBNA card (so off limits) but need some immediate flexible finance now rather than just stoozing. Thanks John
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Can I pay money into a bank account using a credit card?
I'm in the process of buying a new car. The garage will only take up to £4000 on a credit card, so I am paying 11,000 from a bank account. How do I transfer this debt onto a credit card so I can take advantage of 0% and put the money back in my account? I'm reluctant to pay the whole lot from my bank account as it'll put…
