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0% fiasco
I have a 0% deal until Dec'16 with MBNA and another until May'17. They are taking the payments off the May'17 one. This means the Dec'16 will incur interest, even though I will have made enough payments to clear it. This has never happened with any other card.
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Online shopping and dispute refund
I purchased from some well-known brand, and I returned a unwanted item back to them via post. The thing is, the free return label is provided by this company, and there is a return tracking number against the order. Obviously the parcel has been signed by them and the company knew that. They just claimed they couldn't find…
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Declined due to length of employment
So I was declined for a Lloyd's credit card yesterday. I called them up to ask why (there isn't any obvious reason) and although they said they couldn't give me a definitive answer, the guy I spoke to said that the length of my current employment could have been a factor (I started a new job at the start of the year so I…
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Reduction of CC limit (I think)
Hi guys. I have recently received a letter from BOS and a few months back, Lloyds about a reduction in my credit limit. Both letters were identical and stated that "after careful consideration" my limit will be reduced to £xxxx.xx Funny thing is, the new reduced limit is basically the limit I originally had from the start.…
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Credit card Balance transfer to incorrect credit card number
Please could anyone help. I requested a balance transfer from my Barclaycard to my new credit card MBNA. I submitted the card details online but having spoke to MBNA 3 days ago as my Barclaycard balance remained the same I unfortunately got 1 digit incorrect when requesting the transfer online! They have advised they will…
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Failed Credit Check to open Halifx Current Account
In the last year I've opened up multiple new current and savings accounts. Some for saving; and some just for switching incentives. I was in the process of switching my Natwest donor account to a Halifax current account; but failed the credit check and unable to open the account. I'm a little confused as I've opened many…
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Barclaycard stopping Mastercard
Just got a letter to say that they're closing the Barclaycard Platinum Mastercard and replacing it with a Barclaycard Platinum Visa card. (no choice from Apr 2016 Barclaycard Mastercard will not longer exist). I have already got a Barclaycard Visa card and use one for online and one for others. It's also useful to have a…
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credit cards that include excess insurance
does anyone know of any credit cards that include car hire excess insurance, or travel insurance and excess insurance. I thought I'd seen one advertised, but can't find it. thanks in advance
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Debt collection agency due to credit card chargeback
Hi, I hired a car in Italy and when I got back they had charged roughly £200 to my card. The company would not respond to tell me what the charges were for so I rang MasterCard who charged it back. This all happened in September. This weekend I received a letter from an Italian debt collection agency demanding repayment…
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MSE News: M&S to slash credit card reward points
M&S Bank is to more than halve the number of credit card points users can collect when spending outside of the retailer...Read the full story: 'M&S to slash credit card reward points' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Issue with MBNA not accepting payment
I wondered if anyone could give me any advice about a payment to MBNA? While I was abroad last week I received an email from MBNA saying my account was in arrears and that I now owed them £400+ (a sum I simply don't have). I had set up a standing order just after Christmas to pay £150 each month to MBNA which I knew would…
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Nationwide Simply rewards - anyone tried changing their registered card?
I recently received a new credit card from Nationwide with a new card number. In order to continue to benefit from the Simply Rewards programme I have been trying to get my old card deactivated and new one working since 20th January and have so far been unsuccessful. I am wondering if anyone else is having issues as I am…
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Help understanding interest
Hi all, I have had a Barclays Freedom card for a few years and never had a problem paying it in full every month. These past four months however have been an absolute nightmare, and I have been paying so many bank charges that Im considering just getting rid of this card. While I acknowledge that some of them are my fault,…
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How long without use before card gets cancelled?
I'm sure if this forum had a FAQ section this would be in it, so apologies for that. Likewise, II'm half expecting the answer to be "how long is a piece a string", but from peoples experience on here, I assume a bank or card provider will close the account if you go so long with a ZERO balance..... when would they…
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Caravan Issues - Claim on section 75 advice
Hi we are currently trying to claim for a section 75 for my father in laws caravan which was brought from a dealer completely unfit for purpose as it had serious damp issues which we unfortunately didn't notice before buying. They even stated it never should have been sold like that!! The dealer had the caravan back for…
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Numerous credit cards
Hi all, I'm pretty new to borrowing and have one credit card I used to by some furniture and white goods. It's getting towards the end of my 0% and I need to transfer. If I'm offered less than my current balance as the credit limit (i.e. I owe around £4000 and had an estimated limit on the new card of £1500), can I apply…
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Should I cancel my credit card?
Hi all. First post here. I have read the article on whether or not to cancel a credit card or not but I still am slightly unsure what to do! Here's my scenario: I'm 22. About 2 years ago I opened a credit card account (free) and used it once when on holiday, paid it all off, and never used it again. I still have it open…
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Nationwide Select
I posted this in the BR forum perhaps I should have posted here instead. Can someone advise how easy it is to get a Nationwide Select credit card if you are a Nationwide customer? I was BR (bankrupt) just under six years ago but have since cleaned up my file and have a few credit builder cards to further improve my CF.…
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Eligibility checker said pre-approved and yet no answer yet
Hello fellow MSE's... I need some advice; I have just checked the best place to transfer my £3500 from Halifax Credit Card (at 0% until mid April) and decided to go via the eligibility checker for an MBNA card 0%; 32 months; 1.14% fee, as I didn't want a hard search on my credit file. The result came back as pre-approved…
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0% Balance Transfer Gone Wrong - Can I Complain?
Hello All Hoping for some general advice please! I'll try and be as informative as i can be with giving specifics (in case that effects my chances with the banks later). I had two credit cards, one with circa £7k being charged interest, and one with circa £2500 on 0% interest until later this year (2016). I applied for a…
