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Who searches Equifax?
Hi I was wanting to find out which Card providers use Equifax to do the credit check with - I know Marbles use them - any others Cheers Carl
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Transfering too much?
I recently made a successful application for RBS (9 months interest free BT). I put down the amounts owed on 3 of my cards. Due to their poor office skills, my application will be taking a lot longer to go through. In the meantime, i have had to meet the minimum repayments on the other 3 cards. Therefore, the amount I…
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Virgin Credit card application - when did you hear ?
I applied for a Virgin credit card over a week ago and have heard nothing. How long are Virgin applications taking just now ? I can see that they did the credit check on the 22nd June and I am pretty sure the online system said you should hear in 7 days. Me ? Impatient ? What do you mean ;) Clariman
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Barclaycard (Initial) Promotional Rates?
Hi MSE'ers Barclaycard were kind enough to accept me for the Initial card. I rang them to BT from my Cap1 (classic/£200 deposit). Barclaycard said it was on the promotional rate of 6.?%. My question is: is this normal and do Barclaycard do this often for Initial cardholders. I was pleasantly impressed :T tia
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building my credit rating, how long do I have to wait?
Hi all, new to this forum so bear with me!! Back in November 2004 I had trouble getting a credit card. I applied with my bank (smile - Ive had a good relationship with them for 5 years) and egg (I have £10,000 savings with them) but I got rejected by both. I had no other debt (other than authorised overdraft) and have…
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Poor crediting rating credit cards
Hi, Does anyone know of any company that provides credit cards for people with poor credit ratings? My credit rating took a serious beating last year, thanks to having to move repeatedly (dodgy landlords), changing banks (dodgy service), and drastic financial problems (stupidity on my part). I'm debt-free now (except for a…
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ATM Cash Fraud - Getting Popular
I had a problem with my Debit card with Natwest. I used an ATM in central London: Oxford Street in the form of Loyds TSB, apparantaly there was a device which cloned my card and my pin. I withdrew £20 on a Saturdat Night, the queue on the ATM's were very very long. I got a phonecall on Monday morning asking me if I had…
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Natwest / rbs
Couple of questions for antone who has recieved a Natwest or RBS card. 1. How generous were the credit limits 2. What percentage can you BT cheers
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Which MBNA cards do SBT??
Over the past 15 months i've been running firstly with a Virgin card then a Liverpool Footbal club card (both through MBNA) to get funds transfered into my current account but the Liverpool card 0% is about to run out. Can anyone advise me if MBNA do SBT thorough all there credit cards or is it just certain ones i.e…
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Would like a credit Card - only been in UK 5 months!
Hi there, i was born in Scotland but left with my parents when i was 4 - i have recently returned with my own family (25 years later) and trying to settle. I would like to get a credit card but nobody will give me one since i have not lived here 2 (or in some cases 3 years). Do i just need to acept that this is the way it…
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Amex: customer services in India
I have severly reprimanded American Express for the continuing use of call centers in India. I had to ring today, and not only was the accent of the operator so strong, but the line was terrible too. Within an hour I was rung back by a senior manager in England, after I complained.
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Consolidation of credit card debt
Advice sought as to how to consolidate credit card debts of £15000 accrued by my son. What is the best way to pay this sum?
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BTR 06 from MBNA
I have just received a letter from MBNA telling me that if I phone them up and quote BTR 06 they will give me their latest promotional interest rates. I could just phone up, but I thought I'd ask here first: Has anyone had any experience of this or similar? PS: Try searching the forums for BTR 06. "The following words were…
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Balance Transfer To Someone Elses Ac
Hi i have an egg card maxed out and a m&s card maxed out if i apply for a lets say a first direct card 0% for 9 months in my wifes name would you think they would let her balance transfer "my" egg balance on to it as my egg card is up in september i am going to apply for a virgin card in july to transfer the current…
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Credit card n00b, am i missing out?
hi all, im 19 and a student. i currently own one natwest credit card which my bank gave me with my student account i opened with them before i went to uni. i dont use it all that often, normally using my debit card instead, which i do use a hell of a lot as i dont carry much change. lately iv been wondering, seeing all…
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It's all in the timing!
Hi all, OK, a bit of a combination here - part advice for other stoozing newbies (it will be obvious for the 'old hands') and part question. The advice When you make your initial 0% card applications - make sure you have your SBT card in place first! I applied for 2 cards simultaneously - a Virgin card to use as my SBT and…
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C1- 9 months int free app form
have one spare, if anyone is interested... please let me know.
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Virgin Credit Card late fee when I already paid!
OK, I don't yet have a DD set up on my Virgin Credit Card, but for my June bill I didn't pay the required amount over the bank or post office counter - instead I transferred funds from my Paypal account to more than adequately cover the minimum repayment. I took it for granted that this would count as my repayment for June…
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(Citibank) Chip&Pin card declined transaction
Hi all, Thought I'd comment on this. I took my parents out for lunch yesterday. I handed over my citibank credit card to pay but it was declined. Tried it again but it was still declined. I knew I hadn't spent anywhere near the limit so couldn't understand why it was declined. Luckily I still had my MoreThan card with me,…
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Cardholder liability for fraud
Read this article on the Daily Mail website (it appears that it's true... :) ) regarding the liability of credit/debit cardholders for fraud. The examples it gives relate to instances where cardholders are defrauded, for example, of £1000 and the CC provider states that it was due to the holders negligence that the fraud…
