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Egg, blocked card and the power of Martin
This may be of interest to some of you. Today my Egg card was blocked, after a retailer put through a transaction twice erroneously. This alerted security and no further transactions could be made. The situation was complicated by the fact that I was in Sweden and my wife was in Spain (so any attempted call by security to…
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Is this theft?
Hi all, This is my first post and a little help would be most appreciated. Last week, I booked a holiday on line, selected the "pay deposit only" option and provided my debit card details. The next day, while attempting to draw out some cash from my account, I discovered to my horror that the travel agents had actually…
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Beware Mint Card
I recently applied for a Mint Card (I am a credit card tart) and was awarded £2700 credit, they also sent me some blank cheques. I took Martin's advice and immediately made out a cheque for the full £2700 and put it in my savings account to get the interest for free. HA HA what a joke. I obviously didn't read the small…
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Advice: Current 0% Balance Transfer No Fee Cards?
Does anyone know of any cards currently offering 0% transfer no fee cards? Cheers
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Marbles rise my APR
I just got a letter with my last Marbles statement telling me that my Annual Interest Rate for balances transfers and purchases will rise from 9.9% to 12.9%. When I got my Marbles credit card, it was at 7.9%, then 9.9%, now it will be at 12.9%. Is it a general trend in the credit card business to rise the APRs or is it…
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PAYPAL CREDIT CARD 6 months 0% bakance transfer NO FEE
Here is the link http://www.paypalcreditcard.co.uk/ Cannot see this previously on this board. Sorry if I have put it in the wrong place Hope it helps
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Marbles to stop cashback
Having got my Marbles card statement yesterday, there is a note that they are going to stop the cashback element of the card. That was my one reason for using the card, other than a high limit, and got over £32 cashback on the account this month. Just for info if that was a reason for anyone applying for this card. Happy…
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PAYPAL CREDIT CARD 6 months 0% balance transfer NO FEE
Here is the link http://www.paypalcreditcard.co.uk/ Cannot see this previously on this board. Sorry if I have put it in the wrong place Hope it helps
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Lloyds TSB Credit card
A warning for branch applicants of this card When I applied for this a few months back there was no transfer fee for this card when applied in a branch, this was confirmed by the bank when I specifically asked. This rule has now been recently changed and Lloyds TSB now charges a 2% transfer fee (I am not sure if this…
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Create Card moving over to Lloydstsb American express rewards
Anyone that currently has a Create card is getting a letter telling them that there balance and current limit will be moved onto Lloydstsb American Express rewards card sometime between May and June this year. Like the texaco card any affilate cards that Lloydstsb ran which where handled be the goldfish brand are being…
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HSBC credit card introducing transfer fee
Hi all, I have read Martins recommendations on "tarting" to avoid interest payments on credit cards, and chose an HSBC card as my first, as they offered 6 months interest free on balance transfers and new purchases. However, along with my shiney new card came a leaflet outlining changes to their terms and conditions, which…
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Cancelling a credit card
Just a quick question, whats the easiest/quickest way to cancel a credit card account. I have a Lloyds TSB Advance card which I balance transfered a debt onto for a %0 interest rate. Now i've paid that amount off I have no reason to have this card anymore, especially as it has reverted back to its usuall interest rate. I…
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direct debit credit card mininum payment does not match
hi i have a hasbc credit card i sent of a direct debit mandate but the credit card number now set up on my first direct account does not match the credit card number some guy in india said it does not matter as that number corrispondes to there system i have always had credit cards that match up on the direct debit if it…
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ditching credit cards
Hi all, Just some general questions. When I first got credit cards when I was a poor undergrad, I got low limits, something like £200 which was fine by me. As I started use them more and always pay the balance in full, the limits slowly increased. I paid my bills on time etc so I started to get a real credit rating. I ran…
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Egg credit Card/Egg Money Card.
Can someone please explain the difference between an Egg credit Card and an Egg Money Card.
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advice required on credit limits and credit rating please!!
Hi, This is my first post, so please be patient with me. I would like some advice about the credit limits I have on my credit cards. I have 5 credit cards (Barclaycard, Morgan Stanley, EggMoney and 2 bank credit cards). I have never used my 2 bank cards (they just came when I applied for new bank accounts) and I don't use…
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what are sainsburys playing at ?
Last week I applied online for the Standard credit card from sainsburys with the 12months 0%. This morning i got a letter saying my new card is ready, reply today -signing the form etc. However it says this card is no longer available but after assessing my info we can offer you the sainsburys bank visa card with a typical…
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Zopa rating
Hi all I just got a Zopa credit rating of 338! That is pretty bad right? I have not had any problems in the past getting creditm but I have moved recently (last 6 months) and have a high level of debt on credit cards and overdraft about 8K. I only earn £16 338 per year before tax. Is my main problem the debt level? Cheers…
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Experian National Credit Score
Hi all Has anyone actually got a National Credit Score from Experian online? Is it useful and worth paying for? What does it include? Cheers!
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Suckers
Short success story: My mom received her credit card statement with a leaflet giving a 4.9% balance transfer for life. My credit card (same bank) is not as good as hers, so i didnt get the special offer. I cheekily phoned up pretending the special offer leaflet came in my statement and that i wanted to do a transfer. They…