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Barclaycard - phone-calls reduce limit!
Ever wondered why the pending transaction amount does not match your outstanding transactions? Every time you phone the fraud department* they make a note of the phone-call in the form of a £1.23 dummy transaction. This transaction will never show up but will add to the pending transaction amount and reduce the available…
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Using my captial one visa card on a US site
Ok, I want to buy something from an american site, which works in dollars, as you would expect. I can either use paypal but their exchange is poor like £1 = 1.92$ So i was wondering would I get a better exchange rate with my credit card, or would I incur any fees. Cheers
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credit rating and divorce
I'm recently divorced. All loans (only one) in joint names has been paid back. We had no credit cards or other loans, mortgage etc in joint names. Do I have to let any companies like Experian or Credit expert know? He is on my credit file as a linked associate. Will he effect my credit rating in the future or me his? thanks
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Capital One is crippling me
Hi, Need help please.... In 1995 i got a credit card with a limit of £200. I was at uni so needed it then. I thought i had paid it off however now i get a letter saying i owe £232 ??? I was charged a late fee every month because my wages went inot my bank after the credit card payment was due. I looked back and have found…
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Ppi Reclaims
:confused: Please Can Anyone Tell Me, I Am Trying To Reclaim Some "ppi" Insurance Back From My Credit Card Company,but, They Say It's Not Ppi On My Card It's Called Payment Break Plan And That This Is Not A Ppi. Is This True And Is There Anything I Can Do To Reclaim??
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failed balance transfer
i tried to transfer a balance from my wifes capital one card to my 0% barclays card but it was declined. what would be the reason for this? could it be because it was from a card in my wifes name? thanks
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Credit card nightmare
Hi, I don't know if anything can be done but I am having a nightmare with my Marbles card. Early in the year they increased their interest rate to 26% on purchases and 33% on cash advances. Although I have stopped using it, my balance of £9200 is not going down as I can only afford to pay the min repayment and that just…
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further cashback cards
can anyone advise if it is wise to continue applying for cashback cards as the offers come round or is it no good in the long term for one's own credit rating ?
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Prepaid cards
I thought it would be a good ide to use one of these new prepaid cards to make purcahses online. The idea being to only charge it up with the amount to spend (effectively using it as a buffer between my account and the internet so that anyone who got the details couldn't go on a spending spree at my expense). Trouble is,…
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Halifax CC first statement question
Hello, I recently got a 0% 15 month BT with halifax and transfer a balance of £6000. The fee is therefore £180 and added to the money due. I set up a direct debit to ensure I always pay for the minimum amount during the BT free period. I assume that the first will be 2%+fee = £300? Anyway, my main question is: when I go…
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barclaycard
hi everyone this is my first post i have a barclay platinum card now this card was a monument card that was transfered to barclaycard last year they tried to charge me £15 yearly charge but got this reembursed what happens this year they charge me £15 again but say they cannot give me the £15 back this year now a barclay…
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Providian Credit Card Possible Fraud
Just wondering if anyone can give me some advice, my mum has just found out that somebody took out a credit card in her name on 21 August 2002, she moved out of the property in July 2002 so was no longer living there. She received a letter from ATM Associates Ltd, The Old Treasury, 7 King Road, Portsmouth a couple of days…
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Direct debits: effect of manual payment to HSBC
Hi Everyone! The effect of a manual payment, when a direct debit is active on your account, varies between lenders. Does anyone happen to know HSBC's policy? It's not mentioned in the Ts & Cs. (Perhaps it will be stated in a DD mandate confirmation letter.) The variations I have encountered are: 1) The DD is recalculated…
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Joint card..
Hi, me and my partner want a joint credit card, one that means we are equally responsible for the debt and payments yet i havent had any luck finding any :( it needs to have a 0% balance transfer rate to, any suggestion? Thnx in advance!
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barclay card oyster card
dear guys a lasses, i am goin to pay off my barclays oyster card,after a couples of weeks im goin to try and ask for a reapeat 6 months 0 percent intrest do you think they will do this? thanks in advance.
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having lots of credit cards to improve credit rating?
right so my credit score aint too good expirian 529 callcredit 694 equifax 764 iv applyed for a few cards.. about 6 accepted on 2 so far and waiting for letters on the others but it looks good. low limits tho, 700-5000 what im using them for is to improve my credit rating but how should i go about it? howmuch do you recon…
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help paying bill on 5% cash back amex card?
hi, when i am paying my bill for the above card do i pay the full amount i owe or do i minus the 5% cash back. for eg ; say i owe £100 do i pay that in full or pay just £95? thanks:confused: :beer:
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First Time Credit Card User
I applied for a Capital One card 3 weeks ago with 34.9%APR & £200 credit limit It arrived a couple of days later, since then i've used it quite a lot and spent about £150 on it but last week i payed off my balance online in full before my first statement is due... So how much do you think my first statement will be for…
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company credit cards & credit files
Hi My company have given me a company credit card with Barclays, Im wondering does this show up on my credit file? I am not required to pay this every month, the company does. Thanks
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Partner's debts
Hello All, My friends partner died but they was not married, would she have to pay off all his debts which where in his name such as, tax bill, credit cards, loans etc