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Aquacard vs Vanquis
Hi Guys A new board for me so apologies if this has been covered. I have problems with my credit score which I'm slowly working on and want to apply for a crdit card for two reasons. One to further improve my credit score by paying it off and also to cover christmas. In January we come off our fixed rate mortgage and so…
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Barclaycard Paperless Statements Rip-Off
Just a heads-up for those who like to use the new paperless statements functionality with Barclaycard: If your card is cancelled due to loss or fraud, you can kiss the promised 6-12 months of statement availabilty goodbye. They immediately block access to your entire account history. This is not a security thing, as the…
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Help I'm sinking
I'm sure that I am not alone in this scenario. First things first I'm not good with money I admit that and also I tend to hide away from facing the facts that I can't control my spending. On the only positive side I have not yet missed a payment on any of my loans and cards. But it's getting very close now. I earn £30k and…
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How long for balance transfer?
Hi All, I have transferred some money from a Virgin credit card to an Alliance and Leicester bank account, the amount is showing up transferred on Friday the 16th Oct on Virgin online account but not showing on Alliance and Leicester, any ideas on how long this normally takes. Thanks!!
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Backpacker in need of Credit Card advice
Hi, Am currently on a post-uni gap year and am running low on money due to some unexpected circumstances. What is the best option for me? I have a job starting in February 2010 and so will be able to start repaying from then. I was wondering if it would be easy to get a 0% interest credit card. Or would a loan be better?…
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New Cards - Cancel Old Ones ?
Hi. Like many people when I get to the end of a promotional rate I am taking a new card with 0% balance transfer. I will be up to 5 credit cards shortly, 3 of which will have nil balance, 1 with £300 on it and 1 with £1,250 (0% interest). My question is:- a)should i cancel the old cards - any advantage / disadvantage of…
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Paypal foreign exchange fee
Hi anyone who's reading, have I been completely dull (probably yes) have recently opened an Argos Mastercard (I think under the wing of Barclaycard) possibly from a past Mart-Lew recommendation due to Argos award points. Had intended to use it to purchase on-line items, mainly via paypal. Well just had my first statement…
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If my credit has been increased by Capital One, did they do a credit check?
Quick question, Capital increased my limit on my card from a measly £200 to £800. Also in the same month Natwest reduced my Gold card from £2000 to £350 then reinstated on appeal to £2000 ( it was an error apparently ) Do both these cause a credit check on my record?
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Capital one free Credit reports
I am not sure if I read it here but is capital one stopping the free credit reports it sends out to its credit card holders? I was thinking of getting a capital one credit card as a back up card... Does anyone know?
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clear credit card debt companies
Hi I have been offered by a company to clear credit card debt by paying a fee upfront as a holing fee which I will get back if they can clear the debt has anyone come across this please sounds too good to be true.
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Payment Allocation
Hi everyone. Ok so here's the problem - I spent £X amount on my Barclay card platinum, which has 0% on purchases for 3 months. I also get 0% on balance transfers for 12 months. I wanted to make a balance transfer of £Y in September and so I made a payment of £X and, once I had logged in online and saw it had reached…
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Halifax Bank overdraft charges hike
I don't know if it is coincidence but since asking for details of all bank charges I received a letter yesterday advising me that my previous 'no charge' overdraft is going to cost me £1 per day from the 6th December 2009. At the moment, all account holders get an interest free arranged overdraft up to £300. According to…
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capital one need some advice.
capital one have sent me a letter saying they have had review customers accounts and have made the decision to increase the interest to 39.94%. Are they allowed to do this?
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Brand new credit card; first chip & PIN transaction to be for £4000...
Just took out the Tesco Clubcard credit card to get 0% over 12 months for my new car purchase. The first transaction on the card will be for £4000 or thereabouts (chip & PIN) at the dealership. Is there any mileage in calling customer services shortly beforehand to "pre warn" them; or should I just run with it and,…
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Worried-brother's Capital One debt
Hello All I have been lurking on this site for several years, mainly hanging out in the old style moneysaving and DFW forums, but have been motivated to register at last out of worry for my brother and hope some of you kind people can help. Basically my brother is in his 20s living in the city and has accumulated debt…
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CCA 1974 rejection?
21 Oct I have had my credit card with MBNA since 1999. Out of interest I checked out with solicitor about in being unenforceable and was told that it did comply with the CCA 1974 despite me having taken it out in 1999. Confused.. Should I give up? Advice apreciated
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halifax credit limit reduced
hi i have recently received a letter fromm the halifax informing me that my limit has been reduced from £8900 to just £500 i am livid to say the least as i have never missed,defaulted or been late with a payment i have phoned them asking for an explanation but they seem to struggle to understand that i have never missed a…
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Benificial Finance Card closing
Hi Anyone else had a letter from Beneficial Finance closing their credit card account after 31/12/09. It's an old Orange Marbles account I've had for years. Letter says that the BF credit card scheme is closing. Sorry if it's been discussed elsewhere. Please point me in the thread direction if so. Cheers
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Late payment 97pence
I thought I had cleared my credit card held with the same company as my current account and there was 97p outstanding, my banking is online so I didn't receive a statement or reminder until I got an online message saying the payment was late. Is this still going to adversly affect my credit rating? I wrote to my bank and…
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MBNA what should I do??
I have just found out that our b and b on holiday does not accept card (oops) so was wondering whether I could do a cash transfer from my mbna card there is this offer on my online account below, what do you think. I have £400 on the card. Are there any catches? You are here: My Promotions My promotions Any applicable…
