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does moving affect credit rating?
we have now rented out our house and until we move more permanently to france we will be living a part of the year in france and the rest in the uk. at the mometn we are living at my partner's parents house - or have this mainly as a uk base at the moment. as i have only just moved 3 weeks ago (after staying at the same…
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Girlfriend moving from EU country to UK
Not sure if this is the best foprum subject to post this in.My girlfriend is intending to move here next sept/oct or maybe sooner.In order for her to receive a credit history she needs to have like a credit card/phone contract etc.But in order to get one of these she needs credit history! :wall: What ways are there that…
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Credit Card account re-opened after 5 years
My wife's Halifax Credit Card was reopened 5 years after it was closed after a recurring payment for £35 she had forgotten about was requested. As we have married since then and moved address we had not received any correspondence from the Halifax about this. We only found out about it after receiving several mysterious…
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Credit card or not to credit card
Hi I'm looking for approximately £1-2k credit between now and early January to help relocation costs and maybe plane tickets to Greece to visit a friend. I applied for a Sainsburys 0% card because it looked the best purchase card but was rejected. I was told on the phone it was only because my credit rating was low.…
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Which cards offer the price drop promise, now?
Barclaycard discontinued it, but think some other(s) still offer the opportunity, to claim back the price difference, should the item you purchase, become reduced in another/same store. Martin mentioned it a couple of weeks back, but I can't find the post! Thanks in advance! VB
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Credit card apr?
Hi Folks My head has always been messed up by anything to do with figures/maths so please can someone tell me if this monthly interest rate is okay/mediocre/or crap? 1.039% Thanks for your time
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suing a credit agency for defamation?
newbie here :-) hello everyone (*smiles, waves*) (especially martin lewis- i'm a real fan of yours and this site is brilliant!!) i'm not sure if this is the right forum but i couldn't find anything similar on the board when i searched so i'm hoping one of you will be able to help or point me in the right direction.…
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Balance transfers between spouses
Can anyone tell me if a balance transfer needs to be in between accounts in the same name or could they be from husband to wife, say. This would give more scope for applying for cards and, having gone self employed a year ago, may make things easier.
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Egg Money Manager
Having recently applied for an egg money card I was tempted to use their Money Manager facility, which allows you to see the balances of your accounts with other online banks in one place, and link straight through to them without having to log in again. However, I was a little suspicious of their £10 incentive to join…
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Cancelling Debit Card Payment??
I made a debit card payment to my Morgan Stanley Card in Error. I made the payment at 23:00 last night. Is there any way I can cancel the debit card payment so it does not go out my account? I spoke to Morgan Stanley first and they said the only was to cancel it was to phone my bank (who are Smile). I phoned them and they…
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No to AMEX Nectar card
Just rang to find out the status of my Nectar CC application, and was told that I havent met the internal scoring criteria (or something like that) and so my application has been unsuccessful. Does anyone have any idea what this means? Is it something to do with my credit rating? I would be surprised if it was as I'm not…
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self employed can't get credit
i became self employed abouy 7 months ago, since then i can't get a personal credit card, i'm debt free and did want an amex blue for cash back, but they wouldn't have any of it (have to br self employed for a year) can anybody help me please :xmassign:
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I am going to apply for HSBC 0% credit card...
is it best to apply online or in branch. how long does it take to come through? my last tsb card took nearly 2 months. i now need to transfer about £4000 or £5000 on to ideally. what credit limit do they usually give? i need to pay off a day that have on halifax by 11th january so dont want to get caught out! thanks in…
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What does "Load" Mean?
I've just been reading Martin's articles on spending abroad sorry to be dense but what does load mean? I understand the rest of the table just not that bit. Again I apologise for being dense but my concentration and understanding of things isn't very good :o . Thank you for helping me.
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One credit card to avoid
Just came across this website offering a fantastic deal - NOT. Anyway check it out for yourself but take a note of the APR. Credit card deal :xmassign: :beer:
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Credit Card for Low Earner?
Hi. I only work part time and therefore earn about £4000 a year. I'm also young - 19 - which makes car insurance around £1000. Therefore I got my parents to take out a 0% credit card to pay it off, and I've been paying them to pay the credit card company. HOWEVER. The 0% offer runs out soon, and I wondered if there were…
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Privacy Guard - Another CRA?
Hi all, received in today's post a letter from lloyds TSB selling a year subscription of PrivacyGuard - to get a Credit report. Is this a new CRA? or a company under the TSB umbrella? price: £6.99/month; with the usual 30-day free trial, which I am tempted to accept. Any thoughts???
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credit card transfer please help
Hi, I'm new to this so please be gentle. I would like some advice please. At the moment I have a Tesco credit card which I like as I earn clubcard points and i shop there a lot. Being Christmas I have overspent on this and would like to swap it to a 0% interest card just until the balance has been paid off. I normally pay…
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Dynamic Currency Conversion in Dublin
I have just been caught out by DCC in Dublin by 2 retailers, The hotel rectified the problem by cancelling the transaction then processing it again in local currency. I specifically asked the other retailer for the credit card to be billed in local currency but they refused, I had no cash. The transaction was only 45 euro…
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Amex Cashback Card v Amex Nectar Card
Hi peeps, First post on this site after being addicted on it for the last six months! I'm looking to apply for a new credit card, but dunno whether to apply for the Cashback card or the Nectar card. I like the Nectar points and I can pay my credit card off in full. I can't calculate whether it's more benificial to apply…
