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Credit Cards in Jersey
I have had a Nat West Mastercard for more years than I care to remember. Until recently I have collected YourPoints which could be converted into shopping vouchers etc which was really good. But I got a letter saying that the points wouldn't be issued any more on my card. I could, however, re-apply for a new card with…
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Mother Fraudulently Opened Credit Cards in Daughter's Name
Hi As the title suggests we have discovered that my mother-in-law has a few years ago opened 2 credit cards in my wife's name, maxed them out and not made payments on them. We only discovered this after receiving a letter from a debt collection agency asking for payment on accounts that we knew we did not have. It was at…
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Cahoot credit card - no payments 3 years and no contact made
: ( I took out a Cahoot credit card back in about 1996, and had a direct debit set up from my main bank account to pay the minimum payment each month. A few years ago (about 2012 I think, but I can't go back far enough in my card statements to find out the exact date) I phoned them and asked to close the card, and paid off…
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Overseas, maxed out card
I've been living in asia for a few years but finally maxed out my credit card I can no longer pay the direct debit to that bank every month So I should call the bank to see what they say. I need to cancel the direct debit before it is due again because my overdraft wont cover it Is there some thing I should know before I…
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New card or balance transfer?
I currently have one credit card with a £500 limit that I've had for about 3-4 years. It has a balance of £40 which will be paid of in full early next month via my DD. I've been looking into getting a new card with a higher limit and 0% interest on purchases for 12months+. My questions are: Should I apply for a new card…
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Barclaycard - adding a balance transfer to a card you use monthly
I have an offer on my Barclaycard (ex Egg) for a money transfer or a standard BT. I wish to do the money transfer, but usually run about £500 on this card per month. If I money transfer and want to continue using this card without interest being due, what can I do? Is the following correct? Pay off my monthly usage in…
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I refused PPI and was charged higher interest by Lloyds.
When I applied for a Lloyds TSB credit card I refused to accept the PPI, as I am self-employed and could see from another card that it was a con. I was told by Lloyds that the interest rate was only applicable in the offer with PPI and that without it I would be charged a higher rate. As I intended to pay off the…
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Disabling contactless payment on credit/debit cards
For the first time ever, I recently got a credit card that came with contactless payment. I am not a fan of this but they did not provide a non-contactless payment alternative card. Firstly my reasoning: I do not trust the security of the contactless payment. It doesn't take much for someone with a little bit of knowledge…
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Cash from a credit card
A Santander 123 credit card pays 2% cash back at certain stores, like Waitrose and 1% on shopping at Sainsburys and Aldi etc. My wife and I use the card and pay it off in full each month and get back approx £5 to £7 per month, but we also get back a further 3% on the unused cash left in our 123 current account. When we…
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Chargeback on Prepaid Card
Hi, Just after a bit of clarification. The company I work for issue prepaid Mastercards to contract staff for travel expenses. One of the cards has had over EUR1200.00 in cash withdrawn from it from an ATM in Indonesia. The card holder has never been to Indonesia. We contacted our cards provider to raise a chargeback for…
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How Halifax deal with my credit card fraud call, is this normal?
Recently I noticed on my statement a charge for a few hundred pounds from a well known retailer, for an item e.g. a washing machine which I didn't order. I called Halifax and explained the situation to their customer service person who put me through to the fraud team. They asked some standard questions about whether I'd…
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Credit card next steps
Right you clever lot, I'm looking to extend my borrowing as cheaply/profitably as possible, either as extra funds for my house extension if required or for stoozing if not. Highest savings rate available to me is 2.4% net as all higher rate accounts are full. I earn more than average, have £2.5k on 0% purchases card with…
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Halifax 36 Mnth Card accepted......or have I??
Coming towards the end of my current balance transfer deal, I used the MSE "soft search" tool to assess my chances of being accepted by another card provider. I was pleased to find that my current bank (Halifax) were amongst the most likely to accept my application, and so it proved - applied last night and was…
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Business credit card with points?
Hello all, Longtime lurker, first post. Take it easy on me please :) I'm looking for a credit card that I can use for business use - ideally one I can collect points on. I know I can do this with an American Express but so few places accept it it's almost useless to me... IS there a business cc that lets me collect points…
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Balance Transfers
Hi, Just wondered if anyone could help me? I have 2 Barclaycard accounts, one with £12,000 limit & one with £5,000. The £12,000 limit one, has £4400 owed on it, whilst the other is clear. Barclays are offering a great balance transfer rate at the moment, however, you cannot transfer the balance from one Barclays to…
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Using a credit card to send money through paypal
Hi all, does anybody know if sending money to somebody through paypal using a credit card for the funds is classed as a cash advance? I understand there is a fee involved but was just wondering if it would be mark as an advance?
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Does a credit card refund count towards paying your next bill?
Hi, I'm expecting a refund into my RBS credit card account in the next couple of days for an item I only bought a couple of days ago. My question is whether this credit will count towards paying my next bill, which is due in 2 weeks time. The item was bought and refunded during my current statement but the bill is…
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Sygma bank uk
Something doesn't appear to sit right with this outfit Can anyone throw some light on Sygma Bank UKs licence/authorisation status It seems very odd that Sygma Bank UK are authorised and regulated by France and do not appear to be validly authorised by UK to conduct consumer credit activity within the UK Seems to be a very…
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Why aren't credit card rates lower?
There are some great 0% deals around but why are standard rates still SO high? I was thinking - savings rates have been slashed, mortgage rates are rock bottom etc yet most CC companies still have ridiculous rates and if you have used most of your balance it can be hard to switch. Why isnt there new competition in the…
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Halifax Clarity activation?
Hi, Few days ago I've got my halifax Clarity. I tried to enable but as I had no activation number, I played around a bit and at some point I was told the card was enabled. I wasn't sure so I asked for a new activation number. Once I received I tried to enable it but the website was telling me that the card is already…
