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0% balance transfer to Barclaycard Platinum
Hi, I saw in this week's MSE mail that Barclaycard Platinum has a good extended 0% term for balance transfers. I currently have a Barclaycard that I haven't ever used (it "changed" into a Barclaycard from another card (Egg I think?) a few years ago. In the meantime, however, I'd got a Co-op Members Credit Card. I'd now…
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18% Interest charged for nine months!
Hi all, I transferred my credit card balance onto a MBNA 12 month 0% card, and set up a direct debit. I found out today that MBNA have been charging me 18% since January because of a late payment. Should MBNA have sent me a letter to inform me of the interest percentage change? Thanks Dan
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Student Credit Card, how best to manage it?
So currently I pay around £26 a month which is the minimum fee on my credit card just to stay under the max, everytime I pay this amount around about the same is added on in interest, so its obviously an ongoing cycle. I am currently considering my options on how best to tackle it in my current situation, I'm looking for…
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Halifax Clarity Credit Card
Hello everyone, I have some questions regarding the Halifax Clarity Credit Card. I have never had a credit card before so some questions may seem stupid to some of you. 1. If I were to goto Thailand and withdraw as much as I could, lets say £500 from an ATM at 12.9% APR and then pay it off the next day using my bank…
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Credit card direct debit - wrong amount taken
When I first had a credit card, I have set up a direct debit to pay my credit card in full every month. I haven't changed the method direct debit payments, such as minimum or set payments each month (not even once). It is the first time, the direct debit debited the wrong amount. It debited a random amount mentioned in…
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Chargeback from Capital One.
On the 9th September I bought an item online and payment was taken from my credit card. Company emailed me the next day stating they did not deliver to Scotland and that a refund would be given. After waiting a few days I contacted Capital One to put in a claim for refund. I filled in all the necessary forms giving them…
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Capital One Notice of Sums in Arrears
Can anyone give me any advice or enlighten me to how Cap1 process their payments. I've just rec'd a letter as above notice of arrears, saying you have missed or failed to pay in full the last 2 caontractual payments to your account Details - The amount payable for the first of the missed or partly paid payments: £84.95 The…
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Credit Card & Credit Rating
Hi, I have been reading other threads and guides but cannot seem to find a clear answer elsewhere. I wonder if someone can help clarify this. Looking at my Experian Credit File it say: Using a large percentage of your total credit each month, even if you make all your repayments on time may have a negative impact on how…
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Beware - dodgy Halifax CC practice - lowering limit without notice.
I wanted to make you all aware of a potentially cavalier practice that Halifax have just pulled on me. I have had the Halifax Clarity card for several months now, paid my statement balance on-time and in full every month, never went over my limit. My credit limit was £1600 and I had about £600 in transactions on the card…
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Balance Transfer... which card?
Hi there I have a credit card that I got with BOS a few years ago and just use it for booking travel, concert tickets etc. that I pay off. It's currently at a balance of £1379. I have had a look and the apr is like 20% so when I'm paying off a chunk each month so much just gets soaked up in interest. I'm looking to move…
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How strict are MBNA with 'late' payments
I'm looking for a bit of moral support right now as I'm kicking myself in the teeth. I closed an MBNA Amazon credit card account in September, paid the balance in full and was told nothing was outstanding on the phone. The direct debit disappeared off my current account, so I didn't think anything more of it. About 30…
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HSBC credit cards, that fall under the HSBC group?
As many sub credit cards are names/companies just under bigger credit card company. (ie, like littlewoods credit card is under barclays/barclaycard) Which credit cards fall under the HSBC Group ?
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Vanquis CC, Capital one CC, which credit cards are they under ?
As many sub credit cards are names/companiess just under bigger credit card company. (ie, like littlewoods credit card is under barclays/barclaycard) Which group (bank) is Vanquis credit card under? and which group (bank) is a Capital one credit card under?
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Fraud!!!
:mad::mad::mad: Couple of hours ago I checked my Barclaycard account to find a pending transaction for nearly a thousand pound. Phoned Barclaycard, apparently it was first used yesterday on very.co.uk for near three hundred then again today for six hundred an odd. It's now been passed to the fraud department, card…
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Section 75 question
When making a claim under Section 75, do I have to exhaust all options directly with the retailer, or can I go straight to using Martin's Section 75 template letter and make it the credit card company's problem? My initial conversation with the retailer suggested that he won't make it easy for me to get any money back.…
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charged interest even though payment made in time!
I paid off (by transferring the balances) two creation credit cards. The transfer showed on the statement as going through on the 17th Sept. Then underneath this a couple of weeks later they charged me about £35 interest on one and another £20 interest on the other. Am I being a bit dopey here? I presumed that if the…
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Tesco Credit Card online management now impossible
For years I've received notification that my credit card statement is ready to view/manage online but the last few months I've tried to log on and gain access to the Tesco site in order to pay the outstanding balance in full I have been denied. Message comes up that it doesn't recognise my computer. I believe this is…
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Credit card pre-application eligibility checker
Folks, I apologise if there is a simple answer for this, but everytime my son tries to use the "pre-application eligibility checker", it ends with the message: Unfortunately, we have not been able to find your details at the Credit Bureau. Please check and try again. Would this message come up if you've never had credit…
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How much balance to transfer?
I have a 0%credit card with a £4500 limit that is currently pretty much maxed out. The 0% period ends at the end of this year,and as such I’ll never be able to pay off the balance before they startcharging interest. The obvious option isto switch to a 0% balance transfer card. I’ve used the MSE balance transfer checker to…
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Is there a Pre Paid cash card that.
I First came accross the prepaid cash cards when o2 brought one out .so I signed up for one to use online. then o2 decided to get rid of their cash cards. So I got a cash plus one. cost me £4.99 to activate it & each transaction 99p but I thought ok thats better than nothing I suppose. the card expired & they Automatically…
