Originally posted by chris79
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Reply to: Creditcard balance xfer rates
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Previously on "Creditcard balance xfer rates"
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Originally posted by Not So Wise View PostWhat most people don't realise about cards is the card companies can pretty much rewrite the contract whenever they want (all they have to do is notify you in advance), change interest rates, increase caps, lower caps or call in entire amount outstanding without explanation
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Originally posted by DimPrawn View PostI do the pay for everything on a cashback credit card and then settle the bill each month too.
The one thing I don't do is pay interest on anything. Interest is dead money for fools.
aren't we paying interest on the National Debt that Broon has doubled....... !!
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What most people don't realise about cards is the card companies can pretty much rewrite the contract whenever they want (all they have to do is notify you in advance), change interest rates, increase caps, lower caps or call in entire amount outstanding without explanation
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Originally posted by ace00 View PostThey should have sent you a letter prior to any change to the interest rate. Did they, and did you read it? Otherwise get legal.
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Shirley there's some legal mumbo jumbo that says they have to give you written notice of a change in interest rate?!?
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Originally posted by chris79 View Post.........
Rang financial ombudsman and they said I can put in a complaint, but chances are there will be something in the T&Cs allowing them to do this.
..........
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I do the pay for everything on a cashback credit card and then settle the bill each month too.
The one thing I don't do is pay interest on anything. Interest is dead money for fools.
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I use my credit cards as much as possible, earning cashback, and keeping money in my bank account as long as possible which offsets my mortgage.
Difficult to say how much I save doing this.
Always pay off in full every month, except where I have 0% deals on the go.
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They probably assumed that most folk would not even notice.
I ain't used my credit card in over 5 years, don't even know what the rate is.
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Originally posted by chris79 View PostThe money we're talking here is not an issue, the balance is <£2000 and the interest went from £0.58p/month to £10/month... it's the principle of the matter which is important.
And thanks for the warning - I'll certainly be keeping an eye on my statements.
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The money we're talking here is not an issue, the balance is <£2000 and the interest went from £0.58p/month to £10/month... it's the principle of the matter which is important.
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Sneaky, evil sods.
Get on to a comparison web site, get yourself a new 0% card (Virgin do one) and pay the balance within 13 months and you won't lose out.
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