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Equifax - length of life of entries?
On my report, I have a number of entries for Credit cards going back as far as 2001. Although these are showing as closed (and, therefore, are strictly accurate) this information could be misleading if read very quickly. I am meticulous in closing down cards when they are no longer needed, but after 3 years of stoozing an…
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'No Trace' on Nationwide CC?!
Got my nationwide cc a few weeks ago, even made one purchase on it (for about 400 quid, abroad!) Now im trying to register with Internet banking, it said unable to verify address. Spoke to Nationwide, and they said there is a 'No Trace' on the account! Well, what does that mean? "It means you have to take some ID into a…
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Call Centre Short-Cuts
There was another article in the Mail on Sunday today about short-cuts to call-centres. Here's how to get put through to a person as quickly as possible at the following financial institutions: Abbey: 0845 9724724 ~ Don't press anything, even when prompted. First Direct: 0845 6100100 ~ Kudos; Call goes straight to an…
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Can I get my late payment and interest charge back?
Hi all, I always pay my credit card in full by direct debit and never had to think about it. However, I got my card stolen and replaced it with a new card. I got the new card about 3 days before the payment was due. However, I just checked my online statements and I've been charged £20 for late payment as well as 1.5%…
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Co-op Credit cards
Has anyone got any knowledge of how good the chances of getting a Co-op Credit Card are with a good/average credit rating. Thanks in advance...........
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Credit history
These are my current cards and time with lender. Morgan Stanley - almost 5 years. MBNA - almost 3 years. Halifax - since last July. NatWest - since November, but previously from december 1997 to May 2005. I really dont like Morgan Stanley due to them stopping my card regulalry and rude staff. I want to cancel after my…
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HSBC Credit Cards - Their DD system has failed
A warning for anyone who took out an HSBC 0% card in the last few months. I received a phone call from HSBC yesterday asking why my account was in arrears as I had not paid last months minimum payment. When I pointed out to them that I had a DD for the minimum payment they admitted that their DD system had failed for…
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Morgan Stanley - I got a result!!
I would like to thank all the contributors to my original post back in July last year, yesterday I received a letter from Morgan Stanley agreeing to write off the outstanding debt. Please see link below for my original post (hope it works) http://forums.moneysavingexpert.com/showthread.html?t=74972 I did write a letter in…
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Is there a credit card for peeps earning under £5,000 p/a
i have looked around at a fair few credit companies and what not in the hope of being accepted for a credit card, though they all come back with you earn to little, so what i am looking for is a low credit limit for peeps earning less then 5,000 a year
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What the best thing to do
I currently have 2 credit cards- 1 barclaycard19.9apr £2200 and capital one 15.9 apr £2600, i would like to transfer them to 2 seperate cards with alot less apr, i have good credit rating(well i have never been turned down for anything)at the moment i would be paying minimum but after september i plan to throw as much as i…
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Egg Money Cashback on positive Balance?
Hi, I have just got an Egg Money card. Can someone tell me if you still get cashback of 1% on spending even if you have a positive balance?
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Halifax 6.95% LOB Cheques & 2% Handling change
Just received some cheques from Halifax for 6.95% LOB but it has a 2% handling fee. What I wanted to know was whether this 2% was capped at £50 or not. Spoke to their CS and firstly they didnt know then when I asked if she could find out. She put me on hold for 5 mins and later came back and said that it was capped at £50.…
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HSBC card arrived today!!
I'm wondering what the average time is in waiting for their 0% card. I applied online on Jan 5th and today (Feb 18th) my card finally arrived!! It seemed as though I had been waiting since last year! I'm so glad it's finally arrived as I can now do my tarting! So my question is....who has had to wait the longest for their…
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Using Credit Card to pay off Loan HELP!
Hi all This is my first post, good to meet you all. I've followed website for a long time, now brave enough to post! I have a loan of approx £7000 to pay and really desparate to clear it, gradually working towards it! My question is, if i pay this off with a credit card would it be better for me? I phoned up my loan…
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Visa card rfeused abroad, any thoughts???
Currently in Perth WA. Tried to purchase from a reputable jewellers a couple of days ago using my Halifax One Visa card (masses of credit and no isues). The payment was refused twice, rang the number on the back of the card from shop and was told there was NO problem with the card and the reason must be a local one,…
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Another Egg Card oddity
Here's another problem I've had with my Egg Card recently. I changed my Direct Debit payment from the minimum payment to the full balance about 4 days before the payment was due. The web site claimed that it was too late to change it for the current statement and that it would only affect subsequent statements. Based on…
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keep getting refused balance transfer, help!
i have a tesco card which i want to transfer the balance, i have applied to many, amazon, mint, to name a few and am constantly being rejected, i have always paid more than the minimum payment and never missed any payments, help and advice appreciated. thank you
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Egg DO charge interest when you pay off your card in full!
Hi. I paid off my egg card last month after using my 5 month 0% anniversary during which, unfortunately, my wife made a small purchase on the card which obviously accrued interest (only pennies but she won't make the mistake again!) When I paid the card off in full I expected that to be the end of it. Instead this month I…
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Vanquis Credit Card
Got a mail drop offering me a new credit card from Vanquis,no annual fee and APR of...39.9% yep 39.9%! shall I take it,shall I not ? hmm di dum.
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Egg card: interest rate rip-off?
Hi, Has anyone else had this experience with the 'classic' Egg card (not Egg money)? I use it for purchases and pay the full amount by direct debit each month. Yet I still find charges for 'merchandise interest'. On this statement the charge was 20p, last month it was 40 pence. Now, a charge of less than a pound is not…
