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New credit card user
Hello i am Jorge Robertson, i have a credit card but i do not know how can use it... so please some advice... :j
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Non Sterling Transaction Fee
I paid a deposit over the phone by credit card (the hotel was in France) and I see on my statement that Capital One have charged me a "non sterling transaction fee". I've not heard of that before. Is this standard practice or a new thing?
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Tesco Credit Card interest trick
Tesco it appears charge you interest from the statement issue date until the pay by date. This means even if you pay your balance in full by the pay by date, typically two weeks after your statement you will still incur an interest charge the following month! I've formally complained about this trick to Tesco bank today…
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Lost Credit Card Agreement
I wonder if anyone can advise me on this? I have just received a letter from my credit card company stating that they are unable to locate a copy of my signed agreement, they are requesting me to sign a new one. Does this mean that I legally don't have a contract with them and if so what are the implications (do I have to…
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Diners Club Card - No Free Airport Lounge Access!
One of the benefits of having a Diners Club charge card was that it provided free access to a number of airport lounges worldwide - this was included as one of the benefits of the card for the £50 annual fee. I received a letter yesterday giving a week's notice that this will no longer be provided and that each visit to a…
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Warning: Capital One credit card charges £20 annual fee after the first year
They charged me £20 after my first year. I asked why they were charging for a free card, and they claimed that the small print shows they will charge fees after the first year. Martin please update your guide! http://www.moneysavingexpert.com/credit-cards/cashback-credit-cards#caponeclassic
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Barclaycard cash transfer to current account
Transfer money to your current account Interest rate 4.9% Until October 2015 Transfer fee 0.00% or a minimum of £0.00 The last offer for cash transfer was 12.9 with a 2.9 percent about two years ago.
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Close Card or Keep?
Was a bit bored today and decided just for fun to apply for the American Express Platinum Cashback. Was pretty gobsmacked to say the least that I was accepted, considering I only got my first credit card last July. I have these cards: Lloyds Credit Card - 19.9 (£1000) Aqua Reward (3% cashback) - 34.9 (250) Capital One…
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Online Debit Card Fraud - Where do I stand
Hi Guys, I have been a victim of some online fraud. 3 weeks ago I attempted to purchase a Barbour jacket for £104 online. The website looked good until I tried completing payment it gave some strange error message. I then became suspicious and called Barclays straight away to report what I had done and to ensure no money…
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Section 75
We had a wood burner stove fitted and paid cash to the installer but used a cc for parts he ordered, collected and installed. The installation has been condemned and although Trading Standards are involved, the installer won't refund monies. We've enough evidence to support a legal case and TS agree installer did not work…
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trying to cancel an old credit card..
I'm trying to clean out my credit file and I've noticed a credit card I paid of years ago is still on there, it's an MBNA card.. I've been on the website and I cant find a telephone number or a email address to cancel a card! I cut the card up when I paid it off so I don't have the number and its not on my file.. not sure…
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More chance with existing bank?
Hi, I'm about to try for a new 0% credit card but my credit rating is probably not great. With which bank would I have most chance of getting it? a) Santander - with whom I hold a current account. (I have overdraft but stay within approved limit) or b) someone new, e.g, Fluid or Barclaycard? Many thanks in advance, Wayne.
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Halifax Clarity - safer to apply by phone
I applied a month ago online, heard nothing from them. Wondered if there's been a glitch sp reapplied online and on the last page it said I can't apply as I already have an application pending. Waited another week and phoned up and was told my application was 'incomplete'. I said in what way (as the system didn't allow you…
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Prepaid Credit cards and credit report question.
Good afternoon all, My credit history is so bad that I can't even repair my credit standing with the conventional methods, so I have taken out a prepaid card with credit-builder at £5 per month. I understand that these cards are designed to last one year, by at which point the credit card company will mark down on my…
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Default and charges notification
Hi I am going through a battle with Natwest credit cards. This has gone on for a year now. I have filed a claim with the courts. It is at the last 2 stages. Mediation and then in court. I was defaulted in October 2009 for being over limit. I never received the 2 letters. One sent 5-Oct-2009 and the second sent 5-Nov-2009.…
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Barclaycard v Lloyds (TSB)
hi all, i recently moved house, and sold my flat for less than what was owed on the mortgage. as part of this sale, i had to owe the mortgage company £3000 the mortgage company passed this on to a debt collection agency - who offered me the chance to pay a full and final settlement of £1600 - bonus i thought!! so i…
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How to keep debt without losing interest...
Ok, appreciate your help with this one guysm its slightly complicated, its a sort of stoozing question. I have the following credit card debt: Lender0% expiry Credit Debt credit limit % max First Direct Jan-15 £ 8,661 £ 10,000 87% Santander Jan-14 £ 3,107 £ 3,700 84% Tesco Feb-14 £ 2,822 £ 3,100 91% Halifax Feb-14 £ 4,508…
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Credit card for improving rating?
I was going to post this on the DRO and IVA forum but it seems to be seldom used so thought I would try here first. So I'm 9 months into my DRO, will be discharged in January. I have been told that, in order to improve my credit rating (I like to see it as starting afresh) I should apply for a high interest, bad credit,…
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Credit Card Application Details - homeowner?
Hi All Bit of background first - I'm paying off a fair bit of credit card debt across a few cards. Getting there, but following various balance transfers I've two cards I'm now paying interest on so I'm looking to move the debt from at least one onto a new card. About 5mths ago I moved house - now renting a property, and…
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Santander Rate Jack
Just got a letter informing me of a rate increase on this card from 1st December from 17.9% pa to 21.9% pa for purchases/bal transfers. Fairly irrelevant as I never withdraw cash from this card, but curious as to why the cash transactions rate has been cut from 27.9% to 25.9%. This is my first rate jack so no experience of…
