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Santander "acceptance guaranteed" letter, what's the limit?
Today I received a letter from Santander offering me guaranteed acceptance for their 18 month 0% purchases credit card (offer at http://www.santander-products.co.uk/novpurchase ) Can anyone help me decode what would be the credit limit if I apply for the card? The codes next to my details are: 7785 6201****/02P6/05GM…
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MasterCard SecureCode problem
Hope someone can help. Just got a new M&S 0% purchase card with a nice enough credit limit. Trying to buy something online from Germany and it seems to get to the stage where it would ask for a SecureCode if i had one set up then crashes back to dealers website. I know you normally get the chance to setup the SecureCode…
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Natwest have asked me to name a figure for compensation, what should I ask for?
I recently (2 months ago) took out a new credit card with less interest and payed off my current credit on the advice of my bank. Once the first credit card had been payed off, it disappeared from my online banking list. A few months later I received a late payment fee notice and assumed it was for my latest credit card,…
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Paying an overdraft off with credit card?
Hi, I have an overdraft of 1500, i have been paying some off every mont but all i'm touching is the interest. So I had the bright idea of taking out a credit card so i could pay it off and do a balance transfer to 0% card. However the balance they gave me was only £1000. I do have another card with £500 that i could…
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Tesco Credit Card Balance Transfer Application Problem
Hi, I've just tried to apply for a Tesco 0% balance transfer card to pay off the balance on another card. Tesco accepted my application without any issues and I got to the point in the application where I needed to add in the card details I wanted to transfer the balance from. However when I entered the details it said it…
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Capital One Classic Extra Credit Card Foreign Transaction Fee
I thought I would post this in case someone else was considering applying for this card and using it while they are abroad. I applied for the Capital One Classic Extra credit card after reading Martins article on Travel credit cards: the best credit cards to use abroad which states that there is no charge for overseas…
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Refund being processed back to a Credit Card that has been cancelled?
What will happen and Harveys Furniture Store attempt the refund a payment to a credit card that has been cancelled/closed? Harveys are about to refund me for a manufacturing fault on a dining room table and Chairs. This table and chairs was originally purchased using a mastercard credit card some 2 years ago. This account…
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Barclaycard - data protection
Hi Sorry if this is the wrong board for this - but it could be of interest. Just rang Barclaycard on the 0333 number to get a replacement card as mine is damaged. Entered my card number and passcode when prompted. It says it finds my account and then I get through to an operator. Her: Thankyou for calling Barclaycard, my…
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0% Balance transfer?
Hi I have received a letter from Lloyds Credit cards offering a 0% balance transfer offer for cards from other providers transferred in, however this is the only credit card I have an outstanding balance on. Does anyone know am I allowed to use my RBS card to pay this balance off and then transfer my RBS balance back onto…
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Help with Nationwide charges
My statement is produced on the 22nd of every month. My statement for 22nd October had a balance of £1982.97 which if paid by 16th November would clear the balance. I cleared this off in full ; * Incorrectly applied Overlimit Fee Refund ; £12 - 22nd October * Payment of £62 ; 31st October * Payment of £1908.97 ; 15th…
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Help with Virgin/Mbna Card Charges
Hi All, I took out a balance tranfer card from Virgin about 7 Months ago and called my other cards in order to keep just the virgin one until the balance is paid off, I setup standing order top make sure I didnt miss any payment, however during the first couple of months I made payments manually but my second payment got…
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Karl Marx
Something to cheer people up a bit. So NPR launched an online competition to find a good advertising slogan. My favourites: A spectre is haunting Europe - the spectre of cash back and low, low interest rates. #marxcard There are some things money can't buy. Especially if you abolish all private property. #marxcard When…
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Barclaycard balance transfer time limit
Hey guys, Probably a silly questions but I'm not sure on this. My other half opened a 33 month 0% balance transfer card last year, he made a balance transfer of £500, now; would he be able to make another balance transfer?, of course, limit allowing on the Barclaycard of course. Or is he only allowed to do this within a…
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Transaction refunded twice then transaction to claim back money - without notice!
I bought some concert tickets earlier in the year with my Amex card. Concert was going to be in December. However, the event has now been cancelled. Promoter has issued full refunds. However, when I checked my statement I saw the amount refunded twice. Amount should have been £384. But there were 2 x £384 refunds. A few…
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Credit cards with/without mortgage
Hi All, I would consider myself and my wife to have at least a good credit score and we have never had any issues with anything more than just a forgotten payment. We are just in the process of buying our first house and I wondered how is the mortgage going to affect our options for the future with new cards (I have a…
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Goods bought with Catalogue Credit - Ownership?
Hi all I have a quick question I hope someone could help me with. I am looking to buy a computer - but it was bought by the present owner from a catalogue using their shopping account. Does the catalogue retain ownership of the computer until they have paid the outstanding account (there are other purchases on their…
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Halifax Clarity - Have 1, can I switch current A/C and keep it?
Hi there I have a Halifax Clarity Credit card and must say it is great when travelling. Very favourable exchange rates and no fees. I have read the T&C and think that I can continue to operate the card, regardless of whether I continue to hold a Halifax Ultimate Reward current account. Seriously considering changing to…
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Lloyds Credit Card Letter RE: Changing the way they calculate interest...
I've had a letter through the post (looks genuine) from Lloyds about my Lloyds Avios Duo credit card. It says... "The way we calculate your minimum payment is changing. From your March 2015 statement onwards the way we work out the minimum payment on your account will be changing. The new calculation will bring you in line…
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Anyone else noticed Amazon Prime showing up
on their credit card? Just noticed this: RECURRENT TRANSACTION 080-xxxxxxxxxxx Amazon Prime £79.00 on my card which is linked to my Amazon account. However I have never joined Prime nor want to. I checked my Amazon account and it shows that I am not a Prime member. Of course I have contacted them to ask about this but was…
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Credit cards from Ocean Finance & Luma, powered by Capital One?
Hi all I had a credit card with capital one which I defaulted on in 2012, which is still being repaid each month. Having looked at both Ocean and Luma cards, they're both Capital One cards behind the scenes. I applied for a Luma card around 9 months ago and was refused. Will I not be able to apply for any cards with…
