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Communal Mailbox causing problems
I am trying to apply for a credit card, and I constantly run into a problem with my address...We are 10 flats, and everytime someone searches the address, the system comes up with "1-10, Example Street". My flat is 4. So if I put "flat 4, example street", they can never find it and I fail ID check Has anyone else had this…
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Cashplus Credit Card
Just had an email from Cashplus telling me I have been pre approved for their new credit card (I have a prepaid card from them which I use for my daughters itunes account). It says that they dont charge interest as such but rather they charge 50p per day for every day your balance owing is greater than £5. If I am reading…
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credit card for abroad
Up until August I had a credit card with Halifax but it is now closed and paid in full. I'm going on holiday in the next couple of months and was thinking about applying for the Halifax clarity card. Will it count against me that I closed a Halifax card recently? Thanks in advance.
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double booked edinburgh fringe tickets - no refund or exchanges
went on the edfringe.com website to purchase 2 tickets. I had bought 2 tickets numerous times in the previous 4 days without any problems. however on this particular occasion after entering all the card details - when i clicked on the final payment button - rather than getting a successful payment confirmation screen with…
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Interest on MBNA/Vrign Atlantic AMEX
I've discovered something interesting this morning (at least I think it's interesting...) about the way MBNA charge interest on credit cards, and it flies completely in the face of everything I thought I understood about this. In my naivety, I thought it was a golden rule of credit cards that if you paid off the full…
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Barclaycard to santander in different names
Hi, Can i transfer a balance form a Barcleycard to santander credit card in different names?
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Credit card for overseas cash
Hey, I am going to Japan soon for a ski season and am looking for a credit card that is best for cash withdrawals. Japan has a cash culture so I need something with (hopefully) no withdrawal or % fees as I will be visiting ATM's big and often! I already have the Halifax Clarity and when I spent 3 months abroad recently I…
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Refused Card???
I've had a capital one card for quite a few years with a high APR because of a poor credit history in the past. I recently checked on the experian website as I''ve been debt free and made all payments on time for the last 5 or 6 years. The experian website said my credit score was excelant so I applied to Halifax, who I…
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Credit limit
Quick question, apologies if this is deemed a bit dumb but anyway.... I have an Aqua card, I have had for 6 months and pay off in full each month. This month I was desperate for cash and broke the rule withdrawing most of what was left on my card. I was then charged, as i am aware happens when taking cash from CC's. This…
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Lost / duplicate credit card repayment via debit card woes....
New to the forum long time viewer! And unfortunately need help! Short story made a payment to my credit card (aqua)of £200 from my debit card (first direct). Then check balance and it shows two payments of £200 made Instead of one. Bank says it's not duplicate as it shows 2 transactions 30 seconds apart although I only…
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Vanquis balance
Hi all, I have recently got my vanquis credit card and i was wondering about the repayment and interest. So lets say for example i make a cash withdrawal of £100, what would be the minimum monthly payment? Could i pay £20 a month for 5 months + what would the interest amount be on this ... My monthly purchase rate is:…
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What fees will Mastercard charge me on a £850
Hi, I need some help. I need to fund a small Forex trading account with an Australian Broker with £850 (sterling). They allow me to do this either via my MasterCard or via a local bank transfer to their UK account at Barclays UK. I'm with Danske in N Ireland and they have told be the transfer would cost me £10. So I went…
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Is Aqua having a laugh?
I've got a direct debit set up to pay my statement balance in full every month. The first month, the direct debit wasn't set up properly and I had to pay them manually. They took the payment fine in August. Now, I've just had a letter from them saying that due to an administrative issue they will not be able to collect the…
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Missed a credit card payment - recieved a fine - can I claim it back?
Firstly let me be clear that I fully accept that I'm the one who screwed up here and missed the payment which I normally send by bank transfer. I'm sure I haven't recieved last month's statement and it slipped my mind - I suddenly realised on the 18th Sep that I hadn't made a payment this month so I sent one by bank…
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Big Purchase Coming Up...
Just retired so we're going on a once-in-a-lifetime holiday and need to settle the travel agent's (big) invoice soon. How should we pay the bill so as to to maximise returns from Rewards programmes? Currently hold Amex Platinum (Charge card), British Airways Premium Plus Card (another Amex but a credit card) and an M&S…
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s75 CCA compensation
Ordered stuff from a supplier (who is now being made bankrupt) for total of £7k, deposit paid of £4k by credit card. No goods supplied. In fairness card co have accepted liability for refunding the £4k but is this the limit of their liability? I suspect it is but we all know never to accept the first offer Advice welcomed
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Misleading Sainsburys Credit Card
I try to collect as many Nectar points as I can so thought I'd switch to a Sainsbury's Credit Card - their promo being: Introductory Reward 10 Nectar points per £1 spent onSainsbury's shopping for the first 3 months from account opening (capped at£1,000 spend per month) and 1 Nectar point for every £5 spent on your…
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Whats best for credit rating?
Hi. We have a few credit cards with varying amounts on them that have now mostly come to the end of the 0% period, or are due to soon. So what looks best for credit scoring purposes: Keeping cards as they are and paying them off over the next year or taking out a loan to cover them all and just having the 1 borrowing…
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Virgin Credit Cards
Hi, Just applied online for the above card but it has asked me to call them to discuss, it went on to say that if they dont hear from me they will make a decision based on info they have. Ive always just had a decision with the credit amount straight away on scree. Is this standard now?
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Balance transfer
Hi, Just a basic question. Can I transfer balance from more then 1 credit card at the same time? A mean - lets say - I have -£1000 on card A and -£1500 on card B and I'd like to transfer both balance to card C on the same time. Possible? Thanks for the answers.
