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Vanquis Mystery Charges
Just had my second statement from Vanquis and noticed two charges added the day the bill was produced - 10th October. One charge is called 'Billed Referred Finance Charges' for £4.68 and the second is 'Purchase Interest' at £3.05. This is only my second statement and the account was paid in full, so I do not understand…
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Interest free period - which balance is paid?
Hi. I've just transferred to a new Tesco credit card. I had been stoozing with my old nationwide card and thus rather than choosing the Tesco card with the long interest free period on balance transfers and short on purchases, I went with the one with long interest free on purchases and short interest free on balance…
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Postive payment hierarchy.
Hello everyone. I know that once upon a time, credit card companies always made you pay balances with the lowest interest first. Does this mean that you can now use a balance transfer card as a purchase card, without fear of erroding your interest free balance? Secondly (and most importantly for me), i have the following…
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Thailand - Declined cards because of PIN Bypass
Hi, I was wondering if anyone else has had this issue in Thailand or anyone else in Asia. You go to use a card and the merchant has a chip terminal (Doesn't apply to swipe/sign terminals) the merchant inserts it and then presses PIN Bypass straight away, causing the transaction to decline (After a bit of reading most UK…
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Reclaim Tax
Hi there, i need some advice and help on how to reclaim my tax which i had paid back in 1962 to 1972. Since i have left UK in 1972 and settled in my country Pakistan. can i claim my tax back, which i had paid when i was working here. i am now 80 Couple of friends got it back, but have no contact with them. I would be…
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Asda credit card mis leading interest charges
I purchased a £300 laptop from Asda direct which had a 6 months interest free period with it. I paid off the rest of my bill but not the £300. When I received my bill this month I have been charged interest on the rest of my purchases as I did not pay off the full amount. ie the £300 laptop. Asda will not refund the…
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Credit card debt spiraling out of control
Dear All I have a friend who has £36K in credit card debt. She was managing this debt by transferring it to new credit card providers offering zero or very low interest rates. However a few years ago her credit rating was downgraded to 'poor' so she no longer receives balance transfer offers. She also cannot apply for new…
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Credit limit for M&S Credit Card (15month 0% purchases)
Not sure if this has been asked before. Would anybody be able to indicate that credit limits are possible/common/likely when applying for this card? An indication of the applicant's general credit status and income would obviously help too (if anyone is happy to disclose this, of course!) Many thanks.
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Halifax Clarity problems in India
Hi, First of all, apologies if this has been mentioned before or I'm posting in the wrong section. I'm currently travelling for 6 months and signed up for the halifax clarity card due to the recommendation on this site. I have used the card without any problems for 4 weeks in croatia. However, I've now been in india for…
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Hi need a prepaid card that is possible to reload from any bank account via bank tran
uk uero gloab or otherwise this is possible can anyone recommend a product? thank you
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Best credit card
We have had a AMEX credit card for the avios and benefits, but struggling to get reward flights, during school holidays as we are both teachers. We put everything on our card and pay it off in full each month, our last years spend on the card was around 25k. Does anyone have any recommendations for the best card out there.…
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Can't get new card for transfer
Hi all, I have a problem that's getting very frustrating & not sure how to get out of it. My credit rating in "good" not excellent at the moment. I have a Capital one mastercard with a balance of approx 3K on it. The apr is a whopping 34%. have been trying to do a balance transfers over the last couple of years as I'm not…
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Seeking friendly advice regarding a balance transfer.
Hello again guys, So I'm trying to help my dad now, who has a £1000 debt on a credit card with Capital One. So far as I know he only has this credit card, but for some reason has been paying off the same debt for the last 10 years! He's paying roughly £600 a year, but nearly £400 in interest and I would gather has spent it…
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Confussed on balance transfers
I have a Tsb credit card with £700 left on it, I am paying off the min balance each month but the interest it not helping me. Is it easy to transfer to a different credit card provider and what is the best deal for me.
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Advice Needed on Negotiating Reduced Final Settlement Figure (Mint card)
Hi, Does anyone have experience of negotiating a reduced final settlement sum on an outstanding credit card debt, especially with Mint? It's been frozen for a few years and I'm paying back £20/month. This is the last card I've got to pay off now. All the others accepted between 40 and 60% of the total sum in full and final…
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Help! What should we do?
I made a mistake when writing my husband's barclaycard due date down on my calendar and in doing so made the payment 1 day late (from my own bank account). I notice from the new online statement that we have been charged a £12 late payment fee which I understand but it also states an expected interest payment for next…
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s75 redress claims help please
Hi there I have posted a new thread instead of commenting on another with my issue as I believe this is the way I meant to do it. Basically, a friend of mine paid Redress Claims £490 to investigate his PPI complaint (extremely stupidly I know). He never got any service from them obviously and they have now disappeared. I…
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Lasting Power of Attorney
Read Martin's advice re LPA, but am confused . Surely if everything ( property , bank accounts, savings and investments ) is in joint names there should be no reason to go down this path. Assuming we don't both diminish at the same time.:A Have wills and trustees for that eventuality. Can anyone give me a good reason to…
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New Card Acceptance Issue
I have just used MSE "soft" credit search to see the likelyhood of my acceptance for a new card to which I can transfer my other card balances. The search criteria seems only to be name, age, homeowner status and income. I am a 49 yr old married homeowner with a higher than average income and yet The search came back with…
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Quick question on due dates for credit cards
My barclaycard payment says its due on the 11th of October. I've just paid it. Does that mean that its ok to pay it on the day or should I have paid it yesterday? Might seem like a silly question but just for my piece of mind. Thanks ;)
