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cahoot web card and continuing payment
Hi I have been looking through various postings and one thing that keeps coming up is continuing credit card payments where someone buys something they think, for one time only, but find they are charged a monthly fee and have extreme difficulty in stopping it, such as this thread…
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New to balance transfers
Hi All, I'm looking for a balance transfer at the end of June and it's the first time I've ever done it so have some fairly basic questions: Do you have to know the exact sum of the balance or will the new card simply pay off whatever is owed? I ask this as I'm still using my 0% HSBC card to make purchases and have a few…
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Equifax Creditwatch Swindle?
Ok, so call me Ms Paranoia but has anyone else had trouble getting through to Equifax on the phone to cancel their creditwatch membership? I've tried twice at times when they really shouldn't be that busy (late morning but before lunch and just now at 3:30 on a Friday!) and have had to wait 10 minutes each time before…
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Recieving credit card payments from customers
I'm self employed and run a small business. I’d like to receive payments from my customers by credit card, but high processing charges have scared me of previously. Processing credit card payments via the web seems to be the way to go. However many credit card processing companies slap very high charges on processing each…
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Any companies that only search Call Credit?
Are there any? I just checked annualcreditreport.com which I understand gets its info from Call Credit and none of my current credit accounts show up on there. I've been having trouble getting credit basically because I probably already have too much, but maybe I would have a good chance of getting credit from a company…
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Minimum payment vs interest
Hi All, Hopefully someone can help me! I have a credit card (won't mention who with in case i'm not allowed) i've never been over my limit and pay the minimum payment by direct debit every month. However I have now had a letter saying I am over my limit. Having looked into this I have found out its because my minimum…
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Electoral register, council tax and credit rating
Help... your advice pls!!!! I moved out of my mother's place a year ago and currently live in rented accommodation with my boyfriend and a friend. My boyfriend pays the council tax at our rented flat, obviously I contribute but am not registered there. As my boyfriend and I are hoping to move out of the flat in the next…
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Credit Ratings
Hi, Like many during my Uni days I got a credit card/overdraft/loans and ran up a lot of debt, I paid all this off in 2007 and have spent the last 2yrs trying to improve my rating. I have been very strict with myself over the last 6 months in a effort to see how much it does affect my rating. I have spent very little on my…
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Vanquis scam?
Two months ago I began an account with Vanquis Credit card (Visa) and was given a £500 credit limit. I had a small spend (£21.50) and paid the amount off in full as soon as I received my first statement. This morning I received my 2nd statement and was surprised to see the sum of -£1.00 had been added to my £0.00 credit…
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Debt not belonging to us
Im not sure if this is the right place but i could do with some help. A woman took out a credit card and then when she defaulted the bills started coming to my familys address. Despite numerous contact with Aktiv Kapital they refuse to stop sending the letters. We pointed out that she only 'moved' here when she started to…
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Fraudulent transactions on Barclaycard CC.
Hi, Background: Spotted four fraudulent CC transactions when logging into account and viewing recent transactions online - (Barclaycard Goldfish) in early April just after my March statement. Immediately contacted Barclays filled out dispute form and sent back. Transactions were for £655, ie £298, £10, £10, and £337. The…
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Credit Refence Agencies - How many of them is there ?
Sorry if this is in the wrong place, couldnt find a better place. Every year I get my credit report from the following places to check them out for errors or false credit on my file as my OH suffered from credit on her credit files that wasnt hers and took ages to sort out. http://www.callcredit.co.uk…
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Using a credit card but paying balance off in a week.
Hi, I have a BMI Baby credit card-I received it 2 months ago. I have purchased something online. I will be able to pay the full amount off in approx 10 days from date of purchase. What I want to know is will I be charged any interest? I phoned the credit card line (0870 number) but the person on the phone just kept saying…
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on low income, would like lower interest rate
Hi, I've just joined, sorry if this question has been asked before. I'm a SAHM, with credit card debt of just under 5k, paying off £200 a month, but the apr is a whopping 34.9% with MBNA visa. (Interest every month is over £100.) I've asked them nicely on several occasions for a more reasonable rate, but no luck. I…
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can I cancel credit card application?
Hi, I recently applied for an RBS classic credit card, having previously held a student credit card with them. I did this over the phone and the guy gave me a credit limit and sent me out the agreement in principle for me to sign and send back. I thought that was all the security done, but when I received the papers to…
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Not Receiving Statements from CC
What happens if you dont receive any statements from your cc company? last month i got one for zero balance and this month nothing at all so it should still be zero but in the past experience it was always sent even if it was paying for nothing. Should i do anything?
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halifax reduced credit limit
Halifax reduced my credit limit, I was going to close it after paying it off but for this month I put all my spare cash, hoping to use the credit card in the meantime until pay day. I have been paying minimum for such a long time but I just managed to pay extra few hundred this month, and they reduced it by that much lol.…
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Can they charge me interest even when I paid full statement balance on time?
Hi, I singed up to a Halifax Credit Card Last Year. They offered me 10 month free interest. My last 3 statements showed the following: March: closing Balance £4500 Next Month Estimate Interest: 0 (I made a minimum payment of £50) April: closing Balance £4450 Next Month Estimate Interest: £50 (I Pay the Full Balance of…
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PC World and Currys instant credit
Anyone purchased from Currys or PC World using their finance packages?
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Abbey Text Message
Hi all, I've just recently got my Abbey CC through,, this morning I recieved a text message from Abbey (I think!) asking me to call a number to inform them whether the card has arrived safely. I find this a bit bizarre, as I've already called the number that was stuck to the front of the card in order to activate it... are…
