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CC Advice required
Hi I currently have 7.5k spread across 2 CC (Barclaycard & Halifax on 0% until dec/jan) Unfortunately me and missus didnt read the small print on the Halifax, and it seems that although it was 0% on purchases as well, this didn't include the cheques that they 'kindly' send you every week. As a result we are paying approx…
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Electoral roll for credit
I haven't been on the electoral roll since 2006. If I submit my details to them, will they update it the next month or will it be classed as a new member and update it in dec-jan? Also, is there a way to do the electoral roll online?
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Equifax discount voucher
Hi there, Does anyone have an equifax discount voucher please? I ordered my statutory report, money left my account, but 3 weeks on I still havn't received it. I tried calling, by they put me on hold for ages and ages, and it costs 10p per minute on my skype. I think it will work out much cheaper for me to just buy the…
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Do I have any comeback???
HI there, I booked flights and a hotel on my credit card for a wrestling event and the dates of the event have now changed. I dont think my travel insurance will cover this (please tell me if you know otherwise!!) do I have any comeback at all or will I just need to write it off? I can pay £337 for my flights to change but…
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Capital one
As an existing customer of Capital One if you have had a recent mail drop re 0% balance transfers check carefully the conditions before you complete this. I already have a balance on 0% which I will pay off by its scheduled finish date, but if you apply under this new offer and transfer another balance over you may incur…
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Pay in Advance Credit Cards
I am not credit worthy and so do not have a credit card, but only debit cards (Solo/ Maestro). I started a new business and wanted to advertise on Facebook. They only take payment by Visa or Mastercard. I am considering getting a Pay in Advance Credit Card. Could find no advice on this website about these. Any ideas,…
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At what point does interest become penalty interest or a charge?
I was rendered unemployed unexpectedly due to the recession for 8 months and simply could not make the minimum payments on my credit cards. I tried very hard and only missed 4 or 5 payments out of the 8 (I had no income apart from JSA). I informed my cc provider (MBNA) of my 'temporary' predicament but they were…
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The holiday card
hey i read the money saving expert information on cards and their uses on holidays. so i went and visited nationwide building soc, i took all the relavant : passport ,drivers , and opened the normal account that has a debit card, with no charges to use in europe:money:;);). i had no problems in having other accounts with…
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Never had a credit card
Hi, My sister has never had a credit card, or any credit agreement. She is looking ahead to buying her own flat/house in a couple of years and so wants to get a credit card to build a history of reliable repayments, so doesn't need a large limit. Her bank doesn't do a credit card, so she is not sure where to apply. Where…
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BofS Credit Card - missed payment
Hi, I'm new to the forum. Would appreciate some opinions please. I've recently received a missed payment letter from my cc provider. What has happened is that I made my payment in August a few days earlier than normal. When my statement came in, I had two payments showing, one from mid July and the other from early August.…
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Help Please - Kid has applied for CC
Hi, Im after some advice please. I have come home from work to find a letter addressed to my 8 year old daughter. It was a letter from Capital one saying she had applied for a credit card and the application had been unsuccessful. I called them straight away and they wouldnt speak to me as needed to take my daughter…
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confused
Hi all I'm more of a reader then posting on forums but had to ask this. I cannot work out my credit file as i have a ccj three years ago this was due to my ex partner who i co signed with a loan. She took the money and ran so me being a male and pig headed i refused to pay hence a ccj against me but cut a long story short…
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Consume Credit protection
Does anyone have definitive fact on Section 75 of the consumer credit act.? This is supposed to allow you to claim a failed purchase or service from the credit card company. However I have been told for some reason it does not apply to second card holders. I share a Tesco credit card account with my wife but as she set it…
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Are credit card transactions instant and how to check them
Hi there, Was about to order a part for my car on the phone but i required to verify the details to make sure it was correct. As the company is like part finder in order for them to release the number of the supplier they required my credit card details. So I provided, they gave me the number, I phoned but It was'nt the…
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Credit Card Statement Proof Of ID?
Hi, Has anyone ever opened a bank account with any bank using a credit card statement? I see a few banks accept this as I am finding it hard to get ID for my wife as she has never had a bank account and we live with parents with no utility bills on her name. Thx.
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MSE News: Barclaycard pre-application check could prevent credit woe
This is the discussion thread for the following MSE News Story: "Barclaycard will allow potential customers to check their chances of acceptance before formally applying for a credit card. Even if you don't plan on getting a Barclaycard, you could use the result to estimate your chances of being accepted elsewhere ..."…
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Business credit card
Hi - the business used to get Air Miles on cards but we no longer do - does anyone know of business credit cards that either have rewards attached to them or are cash back cards? Many thanks for your help
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Transfer To Interest Free - Any Loophole here?
I've been offered a transfer to a BT credit card with 0% for 13 months with a 3% fee. With about £16k on the card to transfer, that leaves me with a fee of about £400 to transfer but a monthly saving in interest of about £115.00 x 13 months , around about £1,495.00 So £1,495 saved minus the £400 3% transfer fee, seems I'm…
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Reclaimed money paid to clear a New Look card
Hi there, I have reclaimed under the s.75, the money paid to clear apparently some money owed to New Look over the phone about 2 years ago. 2 weeks ago I have sent a letter to Halifax and told them to pay back these money (paid with my credit card), as I have not received any statement (agreed - as per my phone…
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MBNA Promotional Rate Con!
Hi Everyone, My first post here! Reason for writing: my wife just received her MBNA statement and in spite of being on a 0% rate promo code, she has been charged interest. Prior to the introduction of the promo rate, we had made a few transactions. However, when we received the subsequent statement, we paid off in full all…
