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Cancelling Cards
Long, long ago in a far distance galaxy I had a credit card. Being young, stupid and impoverished I didn't handle it too well and Visa eventually told me to send the card back. Fast forward a decade and I'm much more responsible and would like to apply for another card in order to improve my credit rating. But is my old…
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Disgraceful situation with son's bank
I posted this originally on another section of the forum but was advised by a forum member that I received a helpful reply from to post this in Credit/Debit card section - again any advice or thoughts about this situation would be greatly appreciated. Thanks. My son went to his Lloyds bank hole-in-the-wall to withdraw some…
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Credit limit and Balance Transfer !
Hi Guys I have just made a balance transfer of my asda card for £450 and my credit limit was £500 so is it possible that i could ask them to increase my limit after 3 or 4 months. Have you done any thing like that before.Cheers.
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How do you work out APR from monthly interest rate?
I am trying to use the snowball debt calculator but can't work out how to calculate the APR for my one of my cards, as it only gives me the monthly interest rate. Any ideas? Thank you. Also, what does EAR mean? Sorry I must sound a bit dim!
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Barclaycard karma
Stumbled on to this site (don't know how!) early this year. Didn't have a clue about APR rates but noticed they were not much more than 17.9% It seemed Barclaycard was charging me 29.9% I thought I must not have understood & I did nothing about it because I didn't have the confidence to challenge the bank. I kept reading…
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Do Halifax have a problem?
Hi. I’ve just had a very worrying security call from the Halifax. Last week they rang to check a transaction that had occurred on my credit card. It turned out to be to a US software company for £400+. This, plus a couple of other transactions, had nothing to do with me or any other members of my family. The card used had…
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What's the best card for cash?
Especially for a noobie with no credit rating etc. Need some emergency cash (min £300, preferably £600). Any advice?
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Nat West Credit Card
I am having problems re-claiming,I have sent numerous letters (from templates).. Still refusing to refund Threatened with court action still refused refund. Any advise.. What next.. Is it the small claims court
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Credit Report key
Hi there, does anyone know what this means on my credit report: It shows up every month for the whole of this year and last year from Lowell. Why would they choose to do this, and how does this look to possible creditors? Thanks, yorkie1980 Transaction not received this month This means that the lender operating the…
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M&S card question
Recently made a few big purchases on my M&S card (about £500 in total) but have noticed my points balance doesn't seem to have gone up at all even though this should be worth 250 points. Does it take a while for them to register? Or has anyone else had any problem with points being added in this way? BTW did anybody try to…
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Credit Card for poor or no credit
Hi all, I was having trouble getting credit for last three or four years. I couldn't use CapitalOne as previous bad experience with them, and didn't have good enough credit for Barclaycard Initial, and got rejected by Aqua. Anyway, in June this year I got a Vanquis Visa Card with £250 limit. Let me stress, before I get…
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Credit card product change from bank & credit report
Hi, In October I changed my Lloyds TSB Classic Mastercard to their new Airmiles Duo. So my Classic Mastercard is closed, and my Airmiles Duo account is up and running. Today I checked my Experian & Equifax credit report (still in their one month trial), and both shows that my LTSB credit card is settled. However, the…
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Strange Entry on Credit Report and Lowell CCA
Having taken a free glance at my callcredit a year ago, i decided to purchase checkmyfile.com's package of all three CRA's at a cost of £15 a quarter. I may cancel in the future, but for now it is serving it's purpose. In particular, there is an interesting sequence of entries regarding an old capital one cc. So, according…
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Credit card query
I need to spend a substantial amount of money on an item at short notice and I don't have enough cash or savings to pay for it. Unfortunately I don't have a credit card either and don't have time to apply for one in the meantime. The store I'm buying the item from offers interest free credit for 12months. However I'd like…
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HSBC: no reply to app within a week
OH applied for an HSBC card online. Entered all personal details, salary etc and at the end it said they would revert within a few days. That was a week ago and there's total silence. Has this happened to anyone else? We are uncomfortable that all the personal info was entered and it seems the application has…
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Corporate AMEX card - legal position?
Very specific question. My company is obliging me (and indeed most employees) to apply for a corporate AMEX card. Regardless of the pros and cons of having one of these, does anyone know whether they are allowed to legally mandate an employee to carry and use one of these cards?
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Is this the right thing to do? RE: Huge Credit Card Debt
Hi everyone, My husband and I have accrued a huge debt over the last 6 years. A bereavement years ago, and me being unable to work for a year because of it, contributed to this as well as losing a couple of huge work contracts for the both of us (we are both self-employed) which certainly didn't help. We owe thousands on…
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Paying off foreign cash balances
I have a Liverpool Victoria cc, which I use exclusively for taking money out when I travel abroad. However, despite the fact that I always pay off my balance as soon as I receive a statement, my next statement, even though I have not used the card in the interim, still contains a further balance. I have used spoken to LV…
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Bad History what is the best card for me?
Ok, so i don't have great history but i have really started to get on top of my finances and would like to get a new card 0% if poss. I currently have a mint card with a £500 cred limit.. What other cards might i be considered for? Thanks for all your help I am a bit of a novice at this lol!
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Barclaycard application - Incorrect surname
I recently received a letter refusing my application for a Barclaycard. I was not overly concerned as I have recently applied for, and received, 2 other cards for balance transfer purposes so I thought refusal was due to excessive applications. However, on checking the letter I noticed that it was addressed as if my second…
