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Help!
Well, long story short - Had Morgan Stanley card years ago, cancelled it, Barclaycard took over Morgan Stanley, started charging me card protection on non-existant Barclaycard - I paid off (unwillingly, but to make things easy) and cancelled card. Two months ago (one year later) I get new bill, argue and refuse to pay -…
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6 months or 12 months
Hello I noticed after using the Credit Checker tool on this site that if you've missed repayments in the last 6 months it affects your score But in the "Improve your credit score" article it says missed payments within the last 12 months ( or longer ) can harm your score Which is most likely? Thanks
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Credit card debt clearance?
I had a compnay phone myself last night claiming that if my credit card was taken out before 2007, any balance could be cleared, all for a fee offcourse!! Has any one else had this call or aware that this is at all possible. Personaly I smell a rat!!
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Credit Card for Online Purchases / security
Hi All, I'm looking to get a c/c card solely to use for online purchases as I understand I will be reimbursed by the card company if goods ordered don't arrive etc. (N.B is there a minimum amount that the c/c company will cover you for? a friend states that any purchase under £100 wouldn't be covered?) I don't need a very…
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Cards and Mortgage
I am just in the process of buying my first house. My mortgage application has been submitted and I'm just waiting for the property survey. I want to buy some furniture from M+S (using my current M+S card) and then balance transfer onto a 0% card. I haven't yet applied for the new 0% card (planning on going for Virgin at…
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Going to SPEND £3000 - best way to do it?
Hi - I am looking to spend about £3000 on a family holiday. I have to use a credit card. My options, MBNA are not offering me anything special except their 'lifestyle protection' @ 79p per £100, this amongst other things will give me a months payment holiday! Now if i pay on this card then immediately get a balance…
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Cleaning term time addresses on Credit report
Hello! I am seeking a little advice as to whether what I would like to do is possible / recommended. Situation: Studied in Edinburgh for 6 years and lived in 5 different homes. All but the last one was during my time at university. At the same time I was electorally registered at my Dads house, just outside of Edinburgh.…
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Closing a credit card account i have no details of...
After recently checking my credit profile with experian, i noticed that a credit card (MINT Card) i applied for 3-4years ago but never used or activated is listed as active, i know this is counted as 'avalible credit' so i want to close it. However i no longer have any details of the card, the account numbers or anything.…
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Virgin Credit Card how does the interest work?
Hi, I have a 0% intrest offer on my Virgin cc lasting until Jan 2010. I had 100 quid on this card for some train tickets which were bought before the offer came into play. After the offer was applied I paid for a stag do and am waiting for some of the money from my mates, now I don't mind this as it is on 0% or is it! If I…
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Can I get a credit card?!...
Hello this is my first post so pls excuse me if it's in the wrong forum. Ok, I am unemployed and at the moment signed on to receive jobseekers. My credit rating/history is non existent and/or bad, and so I'd like to get a credit card (whatever the %interest charges) to get my credit rating up again. I would simply put a…
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Clever ways to earn cashback? Or not so clever?
I just got my Amex Card and want to buy a computer on it? If I then decided I didnt want the computer and got a refund (which can be done at costco). Would I still get a cash back? Even if it was on the amex card? Also if I put money into an online gambling site, then paid it back on without gambling, would I still get the…
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Clueless about credit cards
Hi there. I'm pretty clueless about credit cards and need some advice. Does a 0% balance transfer credit card mean that if the limit was say £1000, I could take £1000 out the card and put in the bank? or do you actually have to make purchases to the card? Also, how long does it take for a credit card application to be…
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Banks Dragging their Feet.
My girlfriend has been trying to get her bank charges back for about a 10 months or so now and has filled in several identical forms asking about income and expenditure. She has been told she should have her money very quickly by the acting solicitor as she is in dire straights and the banks are supposed to sort these out…
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Natwest Classic decline
Hi is it worth appealing against declines with natwest, it says information does not meet their criteria but if I provide further information that wasnt available to them Anyone else had this type of issue and overturned it?
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credit card advise needed....
Hi Ive recently activated my new barclay card. It is my first credit card I have owend so need abit of advise on how it works. The bloke asked how I would pay each month I said direct debit and minimun repayments. Im abit puzzled by the minimun repayments bit.say If you max out your card for the month and the limit is say…
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SKYCARD: Withdrawn
I received a letter from SKYCARD yesterday to inform me that as of September my SKYCARD will be withdrawn. I was very surprised to hear this as I was told recently by SKYCARD staff that a massive relaunch was coming! Please note that as of AUGUST you will no longer earn SKYCARD points! NOTE: My post may ready like that are…
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Rbs savings account application
hi guys just applied for an account online, what happens next, do they open straightaway after E verification, or they write to me and i have to go in branch etc etc
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silly question r.e. paying off credit card via internet banking!
Hi guys, sorry but this is probably a really stupid question. I am wanting to pay some money to my credit card (nat west) via barclays online banking. I got to the first question... 'who do i want to pay' - Do I put the name that is on the credit card? or natwest? or something totally different?! Thanks for any help that…
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Company charging me now for a transaction in December
Hi all, can somebody advise me on this please. I ordered some event tickets from a company on December16th which i thought had been charged to my credit card and I had paid off. However it turns out that they never charged me when i bought the tickets and have now slapped £250 on my CC, 7 months later. Where do i stand…
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Waitrose Partnership Cards
Hello Everybody! I have been thinking whether I should get a Waitrose partnership card. My local store has a special till for partnership cards only, which would mean less time-wasting in a queue. Plus of course these cards allow you to accrue points. I don't like credit cards though, so I would like to consult with you…
