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Barclays Merchant Services - who gets the interest?
Sorry, more one for small businesses, but we're all moneysavers here! I run a small bridal boutique and, in my rush to get the credit card facilities up and running, foolishly opted for Barclays Merchant Services without reading the small print. I'm now stuck in a 3-year contract (approx halfway through) and Barclays will…
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Balance transfer or loan?
I need some advice on the best way to pay of some debt. My wife and I have thankfully successfully fought a court battle against a building society, won't go into the details but we are now left with a bill of arond £6000 to pay in legal fees. What I need advice on is how we should pay this off? As I see it we have 3…
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dropped a clanger ( cruise payment)....
iam oing on a cruise on friday and i have forgotten my pin number for my credit card. will i have to swipe my card at the begging of the cruise and enter my PIN? because i am getting the PIN re-sent to my house and my dad will open the letter and tell me the PIN over the phone... but the letter wont get to me until…
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Best Credit Card For Airmiles
Just jumped on the Tesco points saving scheme(clubcard) and I'm looking to get a credit card which I will pay off in full every month. The plan is to collect as many points as possible and then swap for airmiles to help pay towards the next holiday! Can anybody please point me in the right direction regards the best card…
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MBNA Summary box on min payments
I have loads of mbna cards,,and it used to say the lesser of £5 or somethin. and i used them in financial difficulty,,say i had 4k in a 0% period it used to be £5 a month anyway im in a little dificulty (again) at the moment and need a cheap monthly payment card,,ive just got a virgin card and am going to transfer £5k onto…
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barclaycard problems - update to problem/help!
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Cash advance fee through CDWow
I bought a couple of CD's last month from CDWOW and paid for them with my credit card. The secure payment system - paynova.com - processed the transaction and that was that. On getting my credit card bill through I noticed that I'd been charged a few pence interest and more was forecasted for the next month if I didn't…
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Help with a good debit card
Hi there everyone, sorry if this has been posted before but was wandering if anyone knew how to get a real good debit card that can be used anywhere straight away with any kind of account as my sister has a visa electron and not everywhere take them. Im with norwich & peterborough and tried with them but they said i need…
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Absolute newbie on credit cards
Hello all, Forgive me for starting a new thread, but i'm completely lost amongst all the info on this site. Call me thick or something, but most of it seems conflicting and confusing to me. I am an absolute newbie to credit cards. I have read the articles that i think are relevant to me: Credit card newbie, Cashback cards,…
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Virgin Atlantic
I applied online and was given a limit of more than I expected £9k. As part of the application online I requested a BT for £4.5k, sorry now I hadn't taken a chance with a higher request. Do Virgin send out cheques and can I use them for the other £4.5k into my current account . :D
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Barclaycard Customer Loyalty Offer
Just phoned Barclaycard to moan about my ridiculously high 19.9% interest rate and got transferred to the "customer loyalty" department who offered: Option 1: A fixed rate of 11.9% Option 2: 6.9% if I spend £50 a month on the card 13.9% if I spend £25 a month on the card 18.9% if I spend nothing I went for the second…
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Strange article in the telegraph
http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2007/12/03/cmcredit103.xml For people who do regularly borrow money on their credit cards, a shorter interest-free period can be advantageous. This is because they will be charged interest for a shorter period. Can someone please explain this statement to me? How can a…
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A thicko question about maths
I am keen to ditch my Morgan Stanley Credit Card as soon as possible prefering to use my Tesco Clubcard Credit Card instead. Now I have £14.61 accumulated as cashback on my Morgan Stanley. So my thicko question is, how much do I need to put on it to reach £15 cashback? It would help if I could remember how much cashback…
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Bank details 'sold on internet'
" The Information Commissioner has launched an investigation after it was revealed that thousands of Britons' bank details are available for sale on the internet The Times newspaper said it had found more than 100 websites offering to sell UK bank details, including account numbers, PINs and security codes, and had been…
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Credit Report Help Needed
Hi Guys Hopefully you can help. I have been having a problme getting a credit card and remortgageing I have applied for a remortgage recently with Nationwide (via London & Country) and was refused on my credit rating. I send off for my experian report, and my girlfriends. They have came back and I seem to have a good…
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Anyone using already FavoCard ???
Hi all. I have google’d all over the net for the safe and sheep abilities for changing e-currency to cash. Since the New York Credit Union crash at the beginning of this year it is hard to find alternative for the G-card. I was registered at FavoCard to get there card which as they promise will provide a quick withdrawals…
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card help.
so i got the CC from my student account with natwest in october. it's let me use it all well and fine, but since getting it, i've had no statement for october or november and all i've had from natwest is three CC application forms through the post. i've just tried paying my insurance deposit on my card and it wont let me.…
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Virgin Credit Card - 0% Query
Hello All Have noticed on Virgin Online that i have an option for 0% BT until 28/02 (have to pay-off by then otherwise get charged full interest) Its only 3 months with a 3% charge - Has anyone had any experience / success with contactng Virgin and asking for an extension on the term of the 0% offer? Anything i can say to…
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M&S card question
Recently made a few big purchases on my M&S card (about £500 in total) but have noticed my points balance doesn't seem to have gone up at all even though this should be worth 250 points. Does it take a while for them to register? Or has anyone else had any problem with points being added in this way? BTW did anybody try to…
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Is Experian Credit score actually free or chargeable?
Hi, I am in my Experian 30-day trial. I ordered a Experian Credit Score (have only used their Credit Report all this while) yesterday. As I was browsing the net and looking up about the Credit Score, I read that the Credit Score costs £5.95. I checked the Experian website and found that to be mentioned in the FAQs.…