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Being on the Electoral Roll
Hi All, I'm familiar with the Electoral Roll, how to get on it, and it's benefit to my credit rating. I currently live with my OH, who owns her own house. We are looking to buy a house together, but I don't have great credit, although I believe this can be greatly increased by getting on the electoral register. If I was to…
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Barclaycard shafted me- what now??
I ran up the limit on my TSB master card to £3000 and after burying my head decided direct action was needed. After reading up on here i applied for a barclaycard to do a balance transfer 0% for 13 months. I got the card a couple of weeks ago but only activated it this morning. After activating it i was told that i was no…
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SainsBury's Bank Advice needed
I hope someone here can help me. I have a creidt card with sainsbury's bank, which i had on an agreement to pay £5 a month (i lost my job due to ill health, that was caused by the job). I recieved a letter this morning telling me that as a year is up my agreement needs to be reviewed. I phone up and get told that they…
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Buying car with 0% credit card
Hello, Just looking for some advice really. I have a new capital one credit card that has 0% on purchases until Oct/Nov 08. I need £1700 extra to put towards my car and was wondering if car garages would normally charge a fee for using a credit card? My father thinks they may charge 4% extra. Does anyone have any…
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Anyone got a BT credit card?
If so what is your opinion of it? (link here) I've been considering it as a method of saving some money on my phone bill ... not sure if it's worth the hassle ...
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Card company's liability - have I understood?
I am looking at buying a laptop from an apparently private seller on Ebay. The only payment options available are personal cheque, postal order or banker's draft which means that I have no protection in the event of non-delivery etc. I have a Virgin credit card and I keep getting sent 'credit card cheques' which I…
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capital one charges
hi i cant seem to open the first request letter detailing 6 yrs of charges from capital one is it the same as the bank one and send a tenner?
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RBS black card
Hi I've received a letter offering me an RBS black card, however my income isn't the minimum £75,000 they ask for. Am I likely to be accepted for the card? Thanks FW1000
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Unknown CC transaction 'M S E Commerce' - can anyone identify this?
Have a transaction on my statement simply saying 'M S E Commerce' which I don't recognise. Anyone any ideas where it might be from?
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Building Credit History with No Spending
I have just received my very first credit card from my local bank. Does my credit history start building even if I don't want to use the credit card? Reason why I don't want to use this card is because it doesn't have cashback and I already have a supplementary card linked to another person (i.e. not my card) and I can get…
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Paying off a credit card please help???
Can you make an offer on a credit card debt eg if you owe them £4000 can you offer them £2500 and then they accept this and then they close the account! Is this possible? Has anyone done it? Does it affect your credit rating? Thanks in advance
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Re-mortgaging house and applying for a credit card for the 1st time
Hi everyone I am just looking for some advice about how my credit score might be affected by the following: I am in the process of re-mortgaging my house and transferring a shared mortgage into my name only. I have been offered a quote for a new mortgage with a high street bank who seem happy to lend me more money (subject…
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When to BT and to what?
I currently have £2700 on a Halifax card ehich is 0% until June / July time. I pay off at least £100 per month usually a bit more. This is unlikely to change to a lesser amount but may go up. I won't use the card for speding. I have a good credit history so I don't *think* (famous last words! :rotfl: ) I'll have a problem…
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HSBC / Citibank long term low rate cards
Has anyone recently applied for either the HSBC card at 2.9% for 24 months for balance transfers, or the Citibank LOB cards at either 4.9% or 5.9%? Knowing that the recent credit crunching has meant that the likely hood of getting a 0% BT card is unlikely, I have been considering applying for either the HSBC or Citibank…
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Warehouse Loyalty cards!!!
I was in Warehouse at the weekend and I was offered a loyalty card. This was how it was described, i would collect points and then i would get vouchers for money off, just like boots!! I asked three times if it was a credit card and was told no. i then said, so I don't have to pay with it and then I don't get a bill at the…
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halifax card advice please
i have a halifax credit card and my introduction end date is 16/04/2008do i start paying intrest from that date or do i have so many days after thatdate ie 56 days ,i cant balance transfer as i have been turned down by virgin and capital one as i on income support and dla the said with me being on benifits i cant get it is…
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Grr Warning Halifax withdrawal of 0% introductory offer
Hi all, I'm new to this forum but I was SO incensed I felt compelled to share my experience, if nothing else to warn others (apologies if someone has got there before me). I applied for a Halifax One card and enjoyed 0% on balance transfers and transactions until October 2008. Now (this isthe stupid part) due to pressure…
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Not sure which is best
Can anyone help .We have 3 credit cards ,one with 15.75% one with 13.05% and the third is 12.90% . We were going to put every spare penny into clearing the 12.90% one because it has the lowest balance and then we would only have two bills coming in each month .There dosent seem to be much between the three interest rates…
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Newlook store card (not sure if right place)
hi, i am not sure if i have got this in the right part but its to do with store cards. I had a newlook account card which i had got way over the limit due to not having a job and being able to pay anything then now changed my jobs only being able to pay the minimum which only just covered the interest added. Over last…
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Possibly stupid question about balance transfers
If I hold a credit card in my name, can my hubby apply for a card and transfer my balance into his name?
