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Change of address - cards missing from Credit Expert report
Hi folks, I've been changing all of my bank and credit card details to my new address and signed up to the free 30 day credit expert trial to make sure everything updated correctly. As of this morning, two of my credit cards (both with the same bank) have disappeared from my Credit Expert report. I phoned the provider and…
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Tesco Credit Card Default Credit File
Hi I'm currently on a DMP, and all creditors have accepted a reduced payment, and most are either showing on my credit file as ok or up to 3 months behind. One company Tesco Credit Card is showing as Default every month. Is this correct for them to do this and does it count as numerous defaults or just the one? Is there…
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Some help with balance transfers
Need a bit of help I'm afraid to get my head around things. Currently have £700 on a Sainsburys CC in which the 0% on spending will be expiring soon. I would like the Tescos CC which is 0% on spending for 13 months and 0% on Balance Transfers for 9 months. The obvious thing would be to transfer the balance straight to…
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Lloyds say I need to spend £100 to get 0% BT Rate for 12 Months
Just taken a new CC with Lloyds as I bank with them and want to BT money to another card. Its the platinum card so I have option of a 12month 0% balance transfer. However on the phone the woman said I'd need to spend £100 in the first 3 months in order to get the promotional rate... seems its right I just didnt notice: "0%…
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Clarity Minimum Requirements
Hi Does anyone know what the minimum requirements are for a Halifax Clarity card? e.g. minimum income? Did apply for this when it first launched but surprisingly got turned down saying that I didn't meet their minimum credit check requirements, despite having what should be a clean credit history. The one thing I did…
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FairFx card activation problem
I received my FairFx card and tried to activate it yesterday evening. What a palaver! Either their system has a glitch or I have made an error somewhere. Re the 3-digit security code on the back of the card, when asked to type that into my telephone key pad I did so, but each time I did, the message came on again to type…
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Card charged before service provided.
Hi, I took advantage of the £10 spa deal offer at late rooms and am booked in for early next month. Part of the deal with the spa that I am going to is that I can book extra treatments which I did booking for lunch and two treatments for me and friend. When I made the initial enquiry I was asked if I could provide a credit…
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Card to use for backpacking
Hi All, I am booked to go travelling round the world in Nov. For spending I have got myself a Halifax clarity card with an interest rate of 17.9% I need a debit card for withdrawing cash though. At the moment I bank with Santander and Natwest, but am willing to switch for a cheaper withdrawal rate?? Help please!! Jane x
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Certain Websites Not Accepting
I have never understood why certain websites say that they do not accept: ELECTRON SOLO (MAYBE SOMETIMES MAESTRO) AMEX DINERS Why is this please?
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Vanquis Help please
Problem Sorted
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Sainsburys Credit Suddenly Removed
Hi, I am really shocked to find my Sainsbury's Credit Card limit has been lowered from 5,700 to 100 overnight with no warnings and no explanation! I at first suspected some sort of fraud and have had the card blocked and a new one issued. However, despite several hours on the phone to Sainsbury's it seems that NO-ONE KNOWS…
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Beware equifax online registration rip off
equifax....a company that is supposed to keep track of your credit rating and make sure the information is current....NOT rip you off by making it part of your application that you have to call them, spend 10 mins on the phone answering the same questions as you have just answered online, to someone who is struggling with…
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Ways of getting lower card rates balances
I have posted elsewhere on this site, about my specific debt issues. The debts are due to cards - and I am now at last facing full details and working towards options to sort debts. I yesterday spoke to CSSS who were very helpful. I am also looking at other options. My wife and I both have embarrasing cards debts, and I…
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Natwest charging me twice??
I went over my overdraft last month and was charged. I paid money in and brought it back down to the limit. this month I was charged again! they said that they charge for 2 months because I was overdrawn on my statement, which is in the Terms. I don't think I should be charged twice if I wasnt overdrawn anymore?? is this…
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Credit Searches - Can they be removed?
Hi Everyone, I applied for credit over the telephone a few days ago with Tesco. They made an error in the spelling of my name..... This means they have done a search with the incorrect spelling and another with the correct spelling a day later. Although the first spelling was incorrect it is still showing as a search on my…
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Comet Extended Insurance Policy, Please Help me
Can anyone help me please? I purchased a fridge/freezer and at the time paid for an extended warranty which was £80.00 and does not expire until next month. I've rung this morning to arrange an engineer visit as my appliance has a fault and was informed Comet cancelled my insurance without any warning in January. Can they…
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Should i do this balance transfer thing and get a new card?
We have one credit card, balance is £3500, the best credit card for balance transfer is Barclaycard platinum, but after 90 days there is a fee, so i reckon we'd be charged a fee as we are paying back £1k a month but also still using the card with xmas coming up. I think our current apr on our card, which is with cahoot, is…
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Is it worth appealing? Help would be appreciative :)
My girlfriend today applied for a credit card as another means to establish a good credit record with multiple active and satisfactory accounts. She applied for a Barclaycard Initial Credit Card, which states quite clearly it is "best suited for people with limited credit history, on the electoral register and earning…
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How much over can you go?
is there a general threshold of how much you can go over your credit limit? £10? £50? £100? £1000? I am with capital one and have a credit limit of £200 and was merely wondering. Thanks in advance
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Credit Card silence on overpaid balance
I reached the fortunate position of being able to access funds to enable me to be debt free (sadly excluding the mortgage). I repaid a credit card in full via internet banking but in my haste then accidentally sent them £13800 intende for another creditor. This only came to light when the "other" creditor contacted me. The…
