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I have less than 6 months recent employment and struggling to get credit, Suggestions
Hi Can anyone offer advice? I have unfortunately been out of work for a quarter of this year and have only just recently managed to get a job, so therefore only have 2 months employment. I have a credit card that was on a 0% rate whilst I have been paying off the problem is I now have applied for a couple and they have…
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paypal credit card can I add funds from my paypal account
hi I already have the top up card but have hit the limit if we get a paypal credit card can I top up or add funds from my paypal account I hate waiting for my money thanks
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Virgin 0% - Acknowledgement of Acceptance?
Hi, I applied for (and got accepted) for the Virgin 0% card on Monday. Does anyone who's got this card (or applied recently) know when i'll get acknowledgement of it? I haven't had an email yet which i was expecting. Cheers
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Santander Zero Credit Card
I would like to share with anyone whose interested the rather unpleasant experience I had yesterday when I phoned through to activate my new Santander Zero credit card. Before enabling the card, I was subjected to a very hard sell for the company's insurance policy to cover against fraud, identity theft and income…
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Accepted for Barclays OnePulse, then cancelled 3 days later?
A couple of Saturdays ago I wanted to revise my credit card arrangements (I currently have 1 Lloyds credit card from my student days) and as I pay the balance off in full every month I wanted to switch to the cashback cards. I chose the Amex Platinum and the Barclays Onepulse. I filled out the Onepulse first online and got…
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credit/debit card for Travel
I've read that Nationwide's debit card is very good and Santander/Saga credit cards. My question is this; are they widely accepted by atm's and businesses in Italy, Greece, Turkey and the Middle East?.
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Best Credit Card to suit a specific task?
Hi all, I have been looking around the forums (not to mention the website) for about two or three months now, and have learned a lot. I also think that in today's internet, the MSE forums are one of the last bastions of politeness and respect towards fellow users! It's an encouraging sight to see. Now, I've learned as much…
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Problem with MBNA Credit Card Please help
Hi All, First post so very wet behind the ears. Apologise if I am in the wrong place or am asking anything that perhaps should be common sense or has been covered before. In short, I owe £7k on an MBNA Credit card I was made redundant end of June Maintained payments since using savings (have now ran out) Had PPI protection…
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Template letters for credit cards
I'm new to this site having been recommended it by a friend. I am massively in debt on credit cards and am totally stressed out with rapidly growing balances and outgoings significantly greater than income. My friend mentioned that he was aware of some template letters to send to my credit card companies to seek to freeze…
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Which one - ba or virgin???? Help:(
Hi everyone, looking to apply for a new credit card. Will be paying in full etc. Would like either virgin or ba but soooo confused as to which one. Any suggestions please. I hear amex ba might not be good as it is a amex card. HELP!!!!!!!!!
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Virgin credit card not showing on credit report!?
HiI have a virgin credit card and have recently been viewing my credit report. My other debts are fully listed on there, but my virgin card is not on there at all.The outstanding debt balance is equal to my other debts minus the balance of the virgin card.Virgin sent me a letter a while ago saying that the interest would…
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New to credit cards. Please advise.
Hi, I'm looking for advice on credit. I have never owned a credit card before but my partner has two (one a Lloyds TSB, the other a Virgin). We want to make a large purchase on one of the cards (around £3000), then transfer the balance onto a new card in my name, possibly a Virgin 0% over 16 months. Is this possible and if…
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Little help please
Ok Got a virgin card had 3000 limit used it to max payed back in 2 years so they made as nice bit of % from me anyway foned them up and asked for limit to be set at £500 pounds yep all ok ,got balance of 350 on it ,went to put petrol in and card declined sorry sir got to keep the card ,ok fine i said can u snap in front of…
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Please help - accidentally defaulted credit card after moving house!
Hello, I'm really hoping someone can help me out. I have recently been trying to sort out my finances because I want to move house and get a larger mortgage, and I took Martin's advice and got a free credit report to see where I am. Everything was fine apart from my reports say that I defaulted on a Capital One credit card…
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Leaving personal debt behind
Against my advice my friend has decided to leave Hong Kong without paying off his credit card debt which is about GBP 6k. He has no intention of paying this back, but I was under the impression that his bank could track him back to the UK and make him pay. What are the ramifications of him doing this? Any advice that I can…
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Credit Card Company unable to supply original T&C
Over the phone I asked my credit card company to provide me with my original terms and conditions as my interest rate has almost tripled since I first took it out. Every time I have phoned since they say it will be with me shortly, but I suspect they cannot find it. On one of those debt free web sites I saw the following…
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Ederly Parent and Mastercard Bill
Hi everyone... My mum's well into her 70's and has had a Marks & Spencers Mastercard for the past 7 years. She's alway's had an A1 credit rating etc.....and has never missed a payment. Her income/circumstances have changed recently and she no longer can afford the monthly repayments. The balance on the card is £3935.36 and…
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Moneypool.com
Has anyone had any dealings ith a company called moneypool? They are a group of solicitors who say that they can wipe off a chunk of debt by contesting the credit agreement on your credit cards. Just wondered if anyone had used them and had any success? Thanks Maxiwaxi:confused:
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Should I instigate a chargeback?
On 17th July this year I placed an order for a car lease via http://www.nationwidevehiclecontracts.co.uk/, accepting their terms and conditions at http://www.nationwidevehiclecontracts.co.uk/terms_conditions.asp in the process. This was all handled online and I paid a deposit of £500 via an M&S Credit Card. Last week we…
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O2 Money Card
Im looking at the O2 Money cars as they offer £5 when you top up your card with £50 or more for existing O2 customers What I was thinking of doing was setting up a direct debit of £20 a week onto my card so I can manage my money better as I don't have much spare cash around. I would still use my debit card for any "large"…
