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Offer of 0% Balance Transfer in addition to my original Balance Transfer
Hello! I've been with Barclaycard since Feb of this year now and originally took advantage of the 34 month 0% offer. They are now offering me 0% on any transfers up until December 2015 also. Should I take advantage of this or is there a catch somewhere? I know it is a way of trying to get you to ultimately pay interest on…
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Tesco Credit Card Minimum Payment
I've just transferred a balance over to Tesco. I pay by Direct Debit fixed payment and want to ensure that my new payment covers the minimum amount. I called Tesco and they said they automatically adjust any Direct Debit to ensure the minimum payment is always covered. Just wondered if anyone can confirm that this is the…
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i've been stupid,anything i can do?
ok opened up mbna credit card last jan 2014. long 0% balance as recommended at the time by mse email. i've been making the minimum payment every month haven't missed a payment. So i never though to check. I was trying to clear £10k of debt.(house and wedding), i knew the payment was being made so i never checked. But today…
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Credit Card and interest free overdraft
Hello! I have a credit card with 17.5% interest with £1,380 on it. At present, I pay this off with £50 per month installments. I've just gotten a £500 overdraft, that is 18.3%, However, It has 3 months interest free. Should I in some way use the 3 month interest free £500 overdraft to pay part of my card?
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Lost £200 on credit card
On Friday, I bought a set of Tuesday theatre tickets for £200 using my credit card. Unfortunately, there was an error during the booking (the website was a bit slow) which meant that the date was reset to the next available show (Saturday). This meant that we had been booked for Saturday without realising it. So when we…
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Marbles has been resurected - New bad credit credit card
https://www.marbles.com/ Don't all apply at once :D :T
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Charged for credit card offence
Few months back I fell into some financial difficulties which resulted in me embezzling money from my office. I had thought of returning the amount after I overcome my financial problems but couldn't do so. Last month I got caught and was fired. They have filed a case against me. I met Kostman & Pyzer Barristers in…
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Capital One Blunder
Yesterday I sent a secure message to Capital One asking them to close my account as it offers no perks, they replied back today with the following: Memo Thank you for your message. I can confirm that we’ve received your document on 26 May 2015 and a new card with PIN for Mr Paul Donaldson has been requested to your…
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Balance transfer for essential repairs
I have some expensive works that need to be carried out on my roof (around about a grand). On the advice of others, I have been looking into 0 per cent credit deals as a more cost-effective way of raising the funds than personal loans. I would remortgage but I've not yet been offered a permanent contract in my present job,…
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Virgin won't do balance transfer from Amex
The balance transfer on the Virgin card mentioned in the latest MSE email does not work if you want to transfer an existing Amex balance! Online, my card number was rejected as 'not a valid CC number'. I telephoned Virgin and it was confirmed as a known problem, they “would not like to give an idea of when it would be…
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CCA 1974 credit card deposit claim
Credit consumer act 1974 Back in 2001 I started a Microsoft Engineer course with an industrial/government approved provider. To pay for the course (over £2000), my mum paid a deposit by credit card on the day and the remainder via a student loan from Barclays (of which said they it was necessary to vet the course provider…
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Admin charge for using credit card
I have just tried to use my credit card to pay for a survey on a property. The surveying company sent me a letter telling me I could pay by bank transfer, credit card or debit card. There was no mention of an "additional charge" for using a credit card. When paying over the phone they asked me for my card details, when…
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Credit limit and 0% apr query
Hi all, Looking to get a credit card to pay off my car insurance in one lump sum, and save by doing so. I will be a first time passer at 28 ( long time coming) so my insurance is coming up about £1200 per year on most small 1.1-1.4l cars, so i would prefer to pay £900 in one go, and then pay off the CC monthly (as i would…
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Vanquis new pdf statements missing account & card holder details
Vanquis new pdf statements missing account & card holder details Recently (May 2015 for me) Vanquis have introduced a new on-line interface for their cardholders and a new pdf statement format. This is generally good, the on-line bit is much better. However, you know there has to be a *but* with Vanquis :) There is no…
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FirstDirect CCs not in Guides
I've been an MSE follower for a while and an FD customer for a lot longer. I found the current FD Regular Saver offer from here (would probably have missed it otherwise, thanks, MSE) and then looked around to see what else I was missing. Why aren't FD's CCs (two separate cards) 0% balance transfer 27 months 0% purchases 17…
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Amex £20 Cashback on £100 spend @ Costco!
Just found this offer on my platinum cashback amex. Particularly sweet as I was heading there tomorrow to buy a blender and stock up on cat food! NB EDIT - ONLY AVAILABLE ONLINE AT COSTCO.CO.UK(thanks eagle!) Not showing on my Amex Nectar however, nor on the amexconnect site for my MBNA Amex. Offer was limited to the first…
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Lloyds credit card application crashed after credit check
Hi all I've seen similar posts to this in the past but mine is a little different. I just applied for a lloyds BT card and was accepted after the quick credit check. I was then on the balance transfer page but the page crashed when I hit continue. This meant I never got to the confirmation page. I just phoned lloyds up but…
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Western Union by Nationwide Credit card.
I am about to pay for a holiday rental, previously, the deposit was paid via bank transfer and I can pay the balance that way if I choose. The owner has also said I can pay by credit card via Western Union. I know WU has a bad reputation but would there be an issue paying by Nationwide card? Would the same protections be…
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Halifax Clarity Card chaning the way they work out the interest rate
Just received a letter this morning from the Halifax saying they are changing the way they calculate my monthly interest. From the 21st of August they are charging to a standard interest rate linked to the BOE base rate and my own personal interest rate ie 0.5% BOE plus personal interest rate of 12.45% making 12.95%. I…
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Credit card limit
I am trying to transfer a credit card for my wife to me on 0% balance transfer, I have been offered a limit of £1200, but need just under £5000. Will they up my limit if I accept the agreement? Many thanks
