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none working wifes credit card
my friend is a none working wife she has a credit card with i think barclays , she is paying interest on her balance her husband is a company md . i have advised her to get an interest free card however she thks she cannot apply for one as she doesnt work and doesnt want a card in joint names is this true any advice…
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No "Credit Footprints"
MSE Insert: Check our credit score guide for more help. Back to the original post... --- I checked my credit record via annualcreditreport and it says I have no searches to my record. What companies do leave a "footprint"? Do I need them to get credit :confused: I have one store card and one credit card (but the credit…
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Warning - Paypal Email Scam
Hi all, Please be aware that there currently a scam email floating around the internet that looks like: Subject - Urgent Account Verification This is a FAKE email and does not originate from Paypal. The URL is spoofed and will send you to a FAKE site. Do not go to this site - if you have alredy done so and logged in.…
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continually turned down
Hi, I have been turned down for quite a few credit card recently even one with my own bank who I have been with for 23 years (whole life)!!!!! I was also turned down by everyone going when I needed a loan 6months ago. I have applied for my credit file from experian to try and solve the problem. I cannot understand why I…
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Credit search and time at current address
Hi, Has anyone any idea whether the time at your current address in any way influences your credit search? I want to apply for a low rate credit card but have only lived at the current address for a few months. Will this affect my application at all? (I was at the last address for 13 years). Is there anything I can do to…
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How long can they wait before charging my card?
I have a couple of questions that I hope somebody can help me with. A little over 2 months ago my car broke down on the motorway. I phoned my breakdown company (not AA/RAC but some independent service that came free with the car) only to find that my cover had expired. They said they could still come and help me but they'd…
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Egg secure messaging
Do you ever get a proper answer using this method to contact egg? I have asked the same question 3 times now, rephrasing each time in case they haven't understood and simply received cut'n'paste from the faq.
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Virgin credit card new charges
A letter from Virgin I recieved today. "From September 9th 2006 the handling fees for balance transfers, cheque transactions and cash transactions will be 3% of the amount of each transaction, and at least £3. For balance transfers and cheque transactions only, the maximum fee payable will be £75" :mad: Poo, that pretty…
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Cash Plus
Hope i posted this is the right place, has anyone tried this :confused: http://www.mycashplus.co.uk/default.aspx
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Bank of Scotland One Card, balance tranfer
I have the BOS One card which was interest free for 12 months, just got the dreaded bill through today that next months bill will have interest if not paid off. Would rather not do this but have never been in this situation, is there time for me to get one of these balance transfers done and if so which ones will offer me…
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Relevant ombudman
If I had a disagreement with a credit card company (HBOS) and had exhausted their appeals/consideration procedures - who would be the relevant ombudsman ? Help appreciated.
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advise with applying for a credit card
my 0% period is coming to an end this month, and i have 4k on my a&l credit card, which is about to shoot up to 16.90% i waited patiently and applied for a barclaycard (no bal transfer fees) 2 weeks ago, and i was accepted... BUT those *nice guys* only gave me £950 credit. i hadn't planned for this. so i'm thinking, apply…
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Balance transfer - running out of time
I recently put flights on my marbles credit card for a last minute trip. My intention was to sort out a new 0% credit card and transfer this balance across to give me some time to pay it off. Unfortunately I just got the paperwork today for my new post office 0% no fee card today. Don't think I'm going to get the transfer…
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Credit card application problem
Can someone please advise me. I am a housewife with no actual income from employment, and think that this may be causing me to be rejected when applying for credit cards. I do however get a monthly allowance from my partner, but prefer the convenience of using a credit card for purchases. When asked I will put my…
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Any decent rate cards that aren't RBS?
Can anyone recommend any decent (preferably 0% or life of balance) that aren't run by RBS? Also already have Nationwide life of balance and barclaycard 0%. Had approx. £3000 on Mint, now halved by moving to Nationwide but since then received a letter from Mint saying the interest rate is going up to 19.9 from 14.9. Need to…
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Capital One CS = Useless!
I Have been with Capital One now for about three years, as they were a stepping stone for me when I went through some financial difficulites and family problems. The card was set at 29% Apr (ouch) and they asked for a £200 security deposit. They offered me a measily £200 limit, which was increased to £600 which it still is…
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CRA searches.
Can someone please explain how these searches are recorded on file, or indeed if they are recorded. About 10 days ago, I applied for two credit cards in the space of an hour apart, both applications were sucessful, the reason I wanted to change was that I have a Capital One card and Citicard both with high APR's, and I…
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credit report info not updated
I wrote to Amex to query default on my acc. The usual letter asking for proofs of everything. However, it's been nearly a month and have heard nothing from them. What do i do now? I did nt send the post by recorded delivery so that could be a problem. Although, knowing Amex, they probably chose to ignore it
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Egg mimimum monthly repayments?
I have a question regarding Eggs minimum monthly repayments. I currently have a HSBC card with a balance of £500, which I intend to BT to my new Egg Card. With HSBC each month the minimum payment is £5 or 3% of the balance (whichever is greater). I read the following on Eggs website regarding minimum monthly repayments:…
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Amazon Mastercard problems
Get this - I could be charged a late fee for paying too early! I have just finished my six months at 0% on this card. At the start of this month I still had about £400 on the card so transfered most of this to another card. The transfer took place on 4th July, so I sat back safe in the knowledge I had sorted my July…
