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Halifax Cardcash and Expresscash
What is the difference between these. I know the Expresscash is for 11-15 year olds and the Cardcash is for 16-18 year olds, but apart from that, what is the difference?
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barclaycard...shower of ....
Hi there I has some trouble with my barclaycard late last year. I was p'd off so I transferred the balance to another card. I never closed the account at that time. I was hit with an interest charge as I paid the balance off mid month and then got hit with a charge for not paying the mimimum. I complained and got credits…
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Getting a sim only 30 day rolling contract
I have a lot of credit searches on my file and i want to go on a sim only plan that is a 30 day rolling contract, what kind of checks do they do and is it likely that i will get rejected for having so many searches, by the way the company is vodafone, are they as harsh with credit scoring as credit card companies? any help…
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using credit card instead of bank -help please!
I worked with a woman who had her wages paid to her credit card instead of the bank. She was a bit strange in lots of ways - everything was a conspiracy! but I wondered if using a credit card in this way was a good idea. I have a small debt on my card and paying it off with my wage would save interest if I spent less than…
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Advise required RE Barclaycard
Hello all, I am seeking advice regarding the way my account has been treated by Barclaycard. When I made the original request for the credit card I am fairly sure that I completed a direct debit form. Each month I received a bill but no direct debit had been set up. I was therefore relying on logging in to my online…
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US and UK Credit Report
Does anybody know if the UK and US credit reports are linked. I may be re-locating to the US and I want to know if my credit file will go with me or, when I move, will I start will a new credit file?
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0% period over soon
Hi, my current 0% period will be over on my current CC. Naturally I want to transfer the balance; how many weeks before the end of a 0% period should I leave it to apply for a new 0% with a new card? Thanks.
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Question about credit cards and credit rating.
Hello there, As the title suggests I've got a (hopefully) quick question about credit cards and credit rating. Basically my OH doesn't have much of a credit rating, as he's never had a credit card, we rent privately which includes the rates (we're in Northern Ireland), and everything else is in my name, as I'm the one that…
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Barclaycard Balance Transfer Cheque
Hiya. I have just recieved two BT cheques from BCard, both offering 0% until April 2010. I already have a small debt on the card, and also a partly used large overdraft. Obviosuly I don't want to just use the cheques without clearing off the bcard first (due to low interest priority payments). Basically my question is can…
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credit card default on credit file
I have just been declined a increase of my overdraft due to bad credit rating, I was unsure to why this would be, so checked my credit file. I discovered on file I had a debt of £1800 to Cabot finance. After checking the dates the card was taken out I assume it is from a credit card I had back at the start of 2003 with a…
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Virgin Credit Card increasing rates, advice needed
I have a balance of roughly £850 on a Virgin Credit Card, was 0% in the 18 month period 17.9%apr. They now want to stop this 17.9% and raise it to 27.9%. They claim it is due to the account history, um, I've kept up all the payment way above the minimum. Should I go else where. I have been given the option to opt out, but…
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pre paid card -have you heard???
hi has anyone heard of the company hiten? for prepaid mastercard? are they trustworthy? i would be really interested in your point of view thanks
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Mint
Help needed... I have just recieved an offer from MINT for £8.64 the difference on my one and only £20 charge with them. However since 2006 I have been charged £12 on 15 occassions. I would really like to press them for the full amount. I was wondering which letter is the most appropriate to send next. The court action…
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Amex Platinum Cashback - Cashback calculation
Just getting near to the end of the 5% cashback 3 month period. I've realised that I have spent more than £2500 in the last 3 months. The 5% cashback is limited to a maximum of £100. Will I receive any cashback on my purchases over £2000 in this 3 month period? Also regarding the tiered % rates for the year. I realise that…
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Just Applied For Vanquis Again
Just applied again for a cc with vanquis after waiting six months? Fully expected the instant NO like I got last time due to me being a discharged BR, but got the response,we will give you a decision in 10-14 days. Should I remain optimistic? any one been here with vanquis. The Jagman
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ASDA Credit Card - problems accessing online account
Has anyone else had this problem? I've accessed my ASDA credit card account on line since I got the card 12 months ago and never had any problems. For the last 3 weeks I keep getting an error message saying that there is a technical problem with the site when I try to log on. I have phoned customer services several times…
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Barcleycard Fraudulous transactions
Hello all Right I am just wondering what sort of information I am likely to need or any advice on how to get this resolved, also to vent my frustrations! Anyway the situation My wife has been contacted by Barcleycard in regards to a ‘potential’ fraudulous (sorry about the spelling) transaction on her barcleycard, ok we…
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Converting APR to % interest per month
Is there any easy way to convert this? For instance, if the APR is 18%, how do I work out how much interest I'd pay in a month on a balance of, say, £1000, for example? Reason is I've got £1500 balance on a credit card (APR about 18%), and been offered 2.9% balance transfer for 4 months (and then to 18%) from another card.…
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Purchase on Credit - Company gone bust!
My wife and I made a purchase on a 0% credit card (RBS). We bought dining room furniture which consited of a table & 6 chairs, side board and display cabinet from an independant furniture store in our local area. We made a deposit on ordering the furniture (£200) and were told to pay the rest on delivery over the phone.…
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Post Office / Bank of Ireland Chargeback problems
Hi folks, In September 2008 my fianc! went out to look at wedding dresses. She found one that she loved and when she came asked if I could phone up and pay the deposit. We had decided to pay for all the big purchases on CC thinking that we would have some protection should anything go wrong. I phoned the bridal shop and…
