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swapping virgin red for virgin black
Hi I have a Virgin red card. I want to have a Virgin Black for airmiles now. I do not have a balance. is this possible or do I have to apply for a new card? thanks
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Tesco Credit Card payment allocation problem.
First time poster long time reader. I am hoping to get some opinions on a problem I'm having. I have a Tesco Credit card that I used until recently for all my spending paying it off in full at the end of every month. A couple of months ago I was offered a 0% balance transfer deal. I knew that if I was to take this and then…
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Firstdirect Existing Customer BT Offer - 0% for 9 months
Hello, Has anyone else received a BT offer from firstdirect through online banking 'secure message' today? Both me and my partner got the same BT offer - 0% for 9 months, 2.9% fee, 31 May deadline for making the transfer. I think they have sent this offer to all their CC customers, so do check your secure message in online…
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egg cards
I had an egg card and it was taken over by barclaycard - I have written to both companies but neither have replied about my ppi claim its nearly 4 months since i wrote to egg and nothing so i conatcted the ombudsman - but who is responsible egg or barclaycard? HELP!
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Credit search permission
We're told that if you apply for credit, and you've been linked financially with somebody else, they will search the other party's file. But the other party won't have given permission for that. Doesn't this blow the myth that you have to give permission for a credit search?
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Are Halifax CCs beginning with 525303 different?
I've just got a Halifax credit card and have noticed that there is a different customer services number for cards that begin with 525303: "To set up a Direct Debit today, call us on 08457 28 38 48 (+44 113 242 8223 from outside the UK). Or, if your card number begins with 525303, call us on 0845 944 4555 (+44 1733 573189…
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Credit Card Abroad
I am going to Lanzarote in June. I watched the Martin Lewis show last night - he advised the best way to spend money abroad is with a credit card and he suggested the Post Office. I already have all the spending money in savings. My question is - is it possible to load credit onto the credit card so you don't have to pay…
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Balance transfer fee - dummy questions
Hi - I'm in the process of arranging balance transfer (to barclaycard) who request a 3.5% balance transfer fee. Does this get taken once application is approved and card is activated? Also, I assume I have to contact my previous credit card peeps to ask them to close account once Barclaycard have opened new credit card…
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Claiming off a credit card
Hi. Never had to do this before but beginning to think a holiday company I booked with has gone 'iffy'. I paid the deposit a couple of weeks ago on a visa card. I haven't even had the statement yet. The company are not answering the phone or responding to voice mail or email. When should I act and what should I do? How can…
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LLoyds TSB Credit Card
Hello everybody! I have just applied for a lloyds tsb credit card online through my internet banking and i've had an email saying that my application was successful. However, it does not show me my limit or anything. How long does this normally take to take affect? Kind Regards, Will:j
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Fuming with Nationwide
Hi Bloody furious with Nationwide c/c, went to use my card last night to pay for a holiday, it wouldn't work so I used another card, went to pay for my Tesco shopping wouldn't work. I did however notice that it was due to be renewed!!!! or so I thought!!! in May, so tonight I called them to be told they had decided not to…
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Approved for a card but now don't need it, yet
I got approved for a Natwest Platinum card a few days ago and it's on its way in the post. It has 2 years 0% on balance transfers made within 3 months of issue. I got this card with the intention of making a large purchase on a different card and then transfering it. The problem is I've now put my plans on hold - I won't…
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Charged for missing direct debit
Hi, i have paid my minimum payment by debit card as i have done before, but this time they have charged me for missing a direct debit and then again for going over the credit limit. On the statement there is the option for paying by card online. Can anyone help as i'm not sure i have been rightly charged. I have rang up…
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Paypal wrongly debiting CC
Not sure if this is right place to post this warning. I paid for 4 items between 4th April and 15th April and used my normal Debit card to pay for these items and when I logged onto my credit card with Tesco's bank discovered to my horror that they also charged the same amounts to them as well. So if you have used or…
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Closing M&S Credit Card account
Any advice on this... I telephoned M&S Bank on Monday of this week to close my credit card account. There was a small balance and one pending so I did an immediate debit card deposit to clear it. I've just checked and it's a zero balance. I phoned them and I've been told that I cannot close the account until they have…
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AAdvantage MBNA Card Approved
Just need a quick answer. I applied for a MBNA AAdvantage Reward Card 2 days ago and was accepted and told that my credit limit would be £1200. But I haven't had any emails or nothing from them. What could this mean?
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MSE News: Card protection and ID protection mis-selling: now banks will have to refun
"Customers mis-sold ID protection and card protection policies from a bank or credit card firm could get refunds..." Read the full story: Card protection and ID protection mis-selling: now banks will have to refund victims Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how…
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How to remove someone from credit report?
Hopefully this is the right place: I looked at my credit report with Equifax this morning and under people I am financially associated with it lists my ex boyfriend (split in 2009) It lists the product we had together, a joint savings account, with a date of 2006 It says on there that when applying for new credit companies…
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Decrease In Credit Limit
Can I decrease my credit limit lower than the balance?
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Building My CC Knowledge/Comfort
I know all about ISAs, savings and some basic investment and protection products but one thing I know absolutely nothing about is credit cards and I was hoping you guys could help in answering a few questions. The reason I ask is that in a year or so I'll be looking at purchasing my first property if all goes to plan and a…
