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HSBC Credit Card Deal
Hi, (Thanks for a great resource, Martin.) I'm new to money-saving and I need some advice. (I want to do a little bit of card-tarting.) This came through my letter box: BT are offering (seem to be offering) a credit card with with 0% on balance transfers for 12 months. (3% handling charge.) I intend to transfer just over…
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Card Advice Please
Hi, I have currently got a Halifax and a M&S CC. I am hoping to BT everything of these two cards onto a Virgin CC. I know from Martin's guides that you should never spend on a BT CC. What would therefore be the best thing to do from here regarding a CC to spend on? By spend on I mean spend and pay it off in full the same…
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Automated Call From Lloyds TSB
Had a call from "Lloyds TSB" this morning, it addressed me by name and mentioned the type of credit card I hold with them. It asked me to enter some personal information, so I hung up. The number they called from was 0845 3312320 Phoned it back, same automated voice, and it detected who I was from the phone number (which…
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Barclaycard Platinum GUARANTEED OFFER
Hi i just have a quick question, i am a 19 years old, coming up 20, and i am a Barclays bank customer, and today i recieved a letter with Gauranteed writen all over it, saying that because im a barclays customer, that i am gauranteed to be accepted for there platinum credit card with 0% balence transfers till feb 2009, and…
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how do I find out which credit cards I still have?
I know that sounds daft so I'll explain! A few years ago (pre lbm) I had a lot of credit cards, they were paid off with a consolidation loan ( dont do it) which I am still paying . At the time I didnt cancel the cards just cut them up. Now I want to get shot of them completely but as I am not sent statements any longer I…
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Keep or close?
I have several cards currently with zero balance, or due to end next month, and wondered whether it's worth keeping any of them open - maybe try for a repeat deal :confused: LTSB Advance - keeping as have had repeat deals before Nationwide - keeping to use abroad MBNA Platinum Sky Mint - low credit limit so may as well…
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Post Office Credit Card - Free cash with application?
Hi Guys I remember reading on this site somewhere that the post office were offering a cash incentive for a successful application for a credit card (think it was £20 or something) but I cannot find any reference to this either on this site or the post office site. Was I dreaming this? Is the offer still valid? Thanks
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Transferring money from a card to a bank account
Hi, Does anyone out there know of a credit card apart from Virgin (already have this one and about to run out in september) that are willing to transfer money from the card to a current account, the reason for this is that I want to pay off an existing loan and put it onto a 0% credit card Cheers Dan
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BT advice please
Hi, I'm am at a loss as to what to do. I have a Cap1 credit card with a £1300.00 balance and the purchase interest is killing me. This months it was £25+ and to make matters worse, I forgot to pay my April payment due to a family bereavement and incurred a further £12.00 charge. I'd love to transfer my balance to a 0%…
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Barclaycard fees for payment in Euros?
Hi. I want to purchase something from the Netherlands costing 1185 Euros over the internet this weekend. The website says I have to use PayPal. When I checkout via PayPal's website it gives me the option to use PayPal's conversion rate (1 British Pound = 1.23825 Euros) or use my VISA card's fees (but it doesn't say what…
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Section 75 Consumer credit act 1974
Hi all. I have had this problem for nearly a year now and still its ongoing. Just thought I would ask you lot for any guidance. I'm trying to sell my timeshare and stupidly fell for the Etoo advert and then went and paid them £850. As we all know now, they are a fraudlent company and thats not just me thats also from the…
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credit card with low credit limit for online spending
I've had to cancel my cards twice in a year. I am extremely careful online but someone has got access to my details. Given that we have to buy online (incl from small retailers who apparently present the greatest risk) it's been suggested that I get a credit card with a low credit limit (eg £500) just for online purchases.…
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turned down by hsbc, i want to re-apply
hiya, I applied to hsbc credit card a while ago.I earn ok money and have a couple of credit cards.I have only ever made a late payment once on a credit card, and now pay off my credit cards every month. I've never been late with a mortgage payment. When I applied to hsbc, the site crashed before I could I examine why I had…
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Egg Charging Interest After Balance Cleared
I transferred my Egg balance to my new Virgin CC last week, and I've just looked at my Egg statement online to find that the day AFTER the balance was cleared, they've whacked me with an interest charge. Before I start sending them stroppy e-mails, can someone tell me if this is to be expected/right or should I be…
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what happens to chargeback goods
Hi I bought a computer base off a company. It arrived and didnt work. On contacting the company I was told I had to deal with support @ 75p a minute. They werent interested and after loads of emails, calls, and speaking to their md I got nowhere. Visa sent me a complaint form as I rejected the goods. I also sent them a…
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Card Fraud Involving PINs
If you’ve been the victim of card Fraud where you PIN has been used and your Card Issuer refuses to give you back your money because they claim you’ve been negligent with your PIN then maybe you should be asking, “If the Card Industry's hardware & software can't keep my PIN secret,” how can I possible be held liable for…
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clearing CC Bal monthly by Direct Debit
I have just found another way Natwest pay for the champers at the shareholders meeting. if you clear your balance each month by direct debit, the funds are taken 10 yes TEN days before due date. AS I have an offset Mortgage and pay my Company expenses through my credit card, this has a considerable affect on my average…
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Victim of card-not-present fraud online
I discovered today that I have been a victim of internet fraud when I tried to place an online order for a local delivery with my butcher only to discover that my SecureCode password was not working on my NatWest Debit card. I tried it three times until it locked the card. I immediately called NatWest to report the problem…
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Monument Credit Card
Just wondered whether anyone had any dealings with this company and how easy/difficult it is to get a card. I have a really bad credit rating and have been declined for Capital One/Vanquis and want to rebuild my rating.
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Tuxedo top-up Credit Card
The Tuxedo Top-up Credit Card is supplied by The Sun Newspaper, website thesunprepaid.co.uk Can anyone tell me more about this card. Is it safe? Is it a good idea or should I steer clear? I am not able to have a credit card due to being made bankrupt nearly three years ago and although I do prefer to use cash, it is…