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balance transfers bad credit
Hello , I am new to the site and I have recently tried to do a balance transfer only to be offered a card with a much higher rate than my existing one. I checked out the credit report with experian and although there is one item on there which was states as a default the balance of this outstanding debt has been re paid in…
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HSBC cc
Hi all, Quick question on behalf of my OH, she is 23, employed, been at the same address for 2 years, I believe on the electoral roll, and wants to start building a credit history as she has none (no CCs, no ODs, no phone contracts etc) so far. She has been banking with HSBC (only bank she has ever banked with) for over 5…
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Barclaycard online payment bug.. take care
Went onto the Barclaycard website to make a payment by debit card. As usual I planned to pay a couple of pounds more than the minimum.Went through the following steps: 1) In error, selected pay only the minimum.. 2) Got to the Verified by Visa screen for my debit card - noticed my error - hit cancel. 3) Payment failed -…
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Barclaycard Interest Increase
Hi, Received my bill as per today and was shocked to read that they are putting my interest rate up to 19.9% from 14.9% starting from August on all new purchases and existing balances. I have never missed a payment and am always in my limit. I rang Barclaycard who informed me that the reason it was going up is because…
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credit card fraud - barclaycard
Hi, The card company (barclaycard) rang us to alert us to a suspicious transaction. We confirmed that we had not made the transaction. They have proceeded to cancel the cards and told us we cannot use our account online till we receive the new cards. I am a bit puzzled as to why they have completely blocked online access,…
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Ccj from cl finance on credit report- help advice please
Hello all. I would be hoping for some advice regarding this issue. Thanks in advance! We obtained a credit report from equifax and went to see the court history where we expect to have 1 CCJ settled- for CL finance. Surprisingly, there were 2. :( The first one, which was for an asda mastercard was settled last year,…
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Help with getting hold of the council re pot holes!!
Hi I was wondering if anyone had any advice regarding getting hold of the council re potholes. My husband cycles to work in Cambridge and the cycle lanes are dreadful, last Monday he could not avoid one of the larger potholes in the cycle lane and came off his bike. Because of this he has broken bones in his hand and has…
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Help with picking a card
Hi all you lovely MSE'rs. Haven't been on here for a long time but I know I'll get some great answers to my question!! I realise this could also sit under the stoozing sub section too so sorry if a mod wants to move this! I have to transfer job for a few month (3 max) and it will incur expenses of around £3-£3,500 of costs…
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Credit Card Arrangement?
Hiya We are struggling to pay off our credit card. Things changed drastically a few months ago and paying has become difficult. We concentrate on paying the mortgage and other important bills first like council tax, gas, electric and phone bill (for business purposes). MBNA have offered us an 'arrangement', freezing the…
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AMEX Gold card - Rewards & benefits
I recently applied for a the Amex gold card and got approved; hence I thaught of exploring the cards benefits online. I amazed to find all benifits hidden away in places such as here…
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Getting Copies of Recorded Calls
I'm wondering if under the Data Protection Act for the purposes of a complaint can I request copies of the recordings that my credit card provider makes of the (numerous) conversations I've had with their customer services? Anyone know If not, what are they legally bound to provide me?
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Help! which credit card would I get ive been refused
I have just found this site, I wish I found it earlier. I lost my job over 2yrs ago, I was offerd a credit card so accepted from Abby National, it is now Santandare. I had £2,000. they told me to just pay the minimum payment which I did, then I paid £50 a month and im still paying, ive looked at my statement and I was…
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Tesco BNPL Help Please?
Hi, I recently bought a laptop from Tesco on 6mnth Buy Now Pay Later. I have just found out that they have taken the money for the laptop through the monthly DD I have to clear the card, on the next monthly payment run. Where do I stand as they have obviously broken the credit agreement? I am quite happy to return the…
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70% reduced credit limit! no late payments, never maxed out!
I received a letter through the door this morning from nationwide informing me that they have reviewed my credit limit and by their judgement, decided to reduce it to £500. £500? It was reduced from £1800! :mad: This is the first time in over 3 years that they have changed my credit limit, (they've never changed it since I…
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vanquis
i have just been accepted and recieved a vanquis credit card with a £500 limit and 39.9% apr.i currently owe £400 to a cash til payday company.would i be better off paying these off with my vanquis card as even though 39.9% apr is high it s a lot lower than payday loans apr,not sure if i m able to do this,any advice…
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Reducing CC Limit - will this cause problem
Hi, as all DFW's, im slowing but surely making way with my credit card etc, I have paid 1000 off the card now and feel comfortable, in ringing them and asking them to reduce the Credit limit by a similar amount, I'm just concerned by doing this that when they review the account, this could prompt them to to do further…
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Can additional card holder do a b/t with Virgin
Hi, The query is pretty much as above. Do i (the main cardholder) have to contact Virgin to do a b/t or can a named card holder do this? Also does it have to be the main card holder who calls Virgin re new promotional rates they may have or can a named card holder do this and negotiate a new rate? Many thanks :)
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Should I apply for a 0% bt card?
Hello again... I have £1000 on a Barclay card at 27% APR and £700 on a Capital One at 33% APR :eek: (also a £2000 interest free OD and I owe the bank of mum and dad a tidy sum, but these are ok for now...) I have just applied to be added to electoral roll (have moved area recently). My credit history was shaky during my…
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Unfair Charges Help!
Hi, I had a Virgin Matercard which had a balance of £1800 and in March I did a balance transfer on the card. The balance was 0 but then after checking it one week later there was a charge on there for £15 which had been generated via my next statement. On 17th March I paid the balance in full and wrote to Virgin to close…
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Newbie looking to buy season ticket on credit card
Hi I'm a total virgin to the world of credit cards so looking for some advice. I need to buy my football season ticket (£680) and my rail season ticket (£809). Am I right in thinking that the Virgin card in Martin's tips would be the best one? As I say I've no experience with credit cards whatsoever. I just want to make…
