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5 Star American Express
I have been steadily clearing the balance on my American Express card and had got down to the last £6 which had been taken by DD went online to check and found there was a £20 "membership fee" What a disappointment! I rang them and the fee is for not having £4000 through the account this year. On the spot, the fee was…
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Maximum 56 days for purchases...
"Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. There is no interest free period on cash and advances, cheques or money transfers. Interest free period on balance transfers only applies during the introductory period." What does…
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Cutting up credit cards
Want a way to cut up your credit cards? Watch this: http://www.willitblend.com/videos.aspx?type=safe&video=creditcards
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eBay fees and cashback
I have my own eBay business and my eBay fees are £1100 per month and growing, does anyone know if this is classed as a purchase as far as cash back cards are concerned? I don't see any reason why it wouldn't be, but it's rare that I ever find anything as nice as this if it is!
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What would you do?
Hi, I have two credit cards, one with Virgin the other with Halifax (through Amazon). Both have limits of £600, and I've had them for over 6 months each. I pay off the balances in full each month, by D/D and have not once paid interest on them. I'm getting a bit annoyed now though, that after 6 months of use, neither have…
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Christmas overspend, Balance Transfer or Money Transfer???
Hello MoneySavers! I think I may have overspent a little too much this christmas, therefore leaving my Current Account minus £900! However as calm as I can be I decided not to worry and convinced myself there would be a way of sorting it. Afterall I have a mortgage starting next month I think. Anyway the plan is, to apply…
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"Delinquent" c.c. @ ref agency - strategy?
Hi, first post, love the site. I signed up for Equifax Gold Creditwatch (thanks) and had a look at my reference. I have a "red 4" (four missed monthly payments) on a credit card. What happened was that this card was with Intelligent Finance but they withdrew their Offset card and transferred my account to Halifax Card…
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0% but only a fiver a month
my a+l card is comming to an end the limit was £5000,i done a bt to my bank account.great 9 months with £4700 to use on my business great it helped me out because the monthly payment was only a fiver,paying the lot back friday no probs cheaper than a loan,what i need now is another card that i can do a bt to my bank…
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Merry Christmas
Merry Christmas and a Happy New Year to all..........
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MBNA - nasty surprise
Just thought I'd post my experience with Abbey MBNA for those who may have been called by them with a great low rate for a BT... 7 months ago I was called at home - they offered to combine the limit on my two MBNA cards (one Abbey and one Virgin) and then give me 1.2% to balance transfer other amounts to them. After this…
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Claiming back money for a purchase after theft
I was recently assaulted and had my mobile phone and bizarrely enough my glasses stolen. As the glasses were purchased only 60 days ago and on a credit card I believe I am entitled to claim back the money from the credit card company. I have already contacted the company and they are sending me a dispute form as its the…
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Limits on milking Cashback?
Hi all, Bear with me as this is my first post. Say if I took out an AMEX card with 3% cashback, whats to stop me milking it by depositing 1000 at a time on a gambling website, then withdrawing that 1000 back to the card without making a bet. Will I make £30 a time by doing this for absolutely nothing? Would this work and…
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Vanquis
Read through some of the threads on here re: upping your credit score etc.. Obviously I want to pay off my debt but thought maybe having one card running as a (small) purchase card that I could show I pay off every month would help in the longer term i.e mortgage wise, so I applied for the Vanquis card... Just had a letter…
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Cheapest credit card abroad
Greetings to all I have a credit card that is paid off in full every month, which I also tend to use when abroad on business. Trouble is, the issuer (MBNA) charges a fee of 2.75 per cent on every transaction abroad, which seems like a hell of a lot, since if I pay a E500 hotel bill, my office is only going to refund me at…
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Payment to credit card, using credit card!
Hi there Is it possible to make a payment to a credit card using another credit card? I have one card from which i have already balance transferred a lot of the money but i couldnt transfer any more and dont want to apply for a 3rd card within the space of a few months. So is it possible for me to make payments to the card…
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Balance Transfering From Overdraft
Probably stupid question - I've got around £1000 debt on authrised overdraft at around 20% and wondering can I balance transfer this to a credit card? if not I'll go for a just purchases long deal so at least new spending won't be charged and overdraft can be got rif of with benifits. Tahnks in advance
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Balance Transfer Conundrum
Hi all Can any of you experts give me some advice? I have a 0% balance transfer balance on my Harley Davidson credit card on which the interest free period expires in early January. I have recently applied for an fee free 0% Ulster Bank card to move the balance to and included a request for a balance transfer on the…
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Card Tart Beginner
Hi Can anyone offer me some advice regarding this. I am looking to transfer my balances to 0% rates or long term low interest till my debt is paid off. I have just been approved for Marks & Sparks 3.9 life of balance transfer. I am seeking to apply for another MBNA 12 month 0%interest but will applying for two CC within…
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0%balance transfer
I am new to so bear with me. my question is : If I get a capital one platinum card now and balance transfer £1500.00 and pay it off within 9 months put the card in the drawer dont spend on it , can I balance transfer another amount at a future date without incurring any interest ?
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Which card is best for use in New York - Debit or Credit?
Hiya, apologies if this is the wrong forum, wasn't sure whether to place it here or on the travel/trips board. Going to new york for 5 days next week and not sure which card to use (as in which will get me the best rate): my abbey debit card or my Egg money card. If I put it on the credit card the balance will be paid off…