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Are banks discriminating against Local government employees
I have a credit score of 999 impeccable I am a public sector worker and guess what all of a sudden, I can`t get even one 0% credit card acceptance. Anyone else experience the same?
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HEEEEELP needed please - Probate problem
HEEEEEEEEELLPPPPPPP please I don't know how to get this to someone who can give me advise!! Virgin poster:eek: Father-in-law died last year and probate was completed and applied for by ourselves as executors to the will privately. Company/Bank now 'realised' they have overpaid a policy surrender value to the deceased a…
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Santander Card Activation
Hi Just got a Santander Mastercard today and tried to activate it. 1st go failed to recognise my voice 2nd go failed to recognise me typing the number in 3rd go failed to recognise me typing the number in Low and behold I was transferred to somebody to activate it and they immediately tried to sell me some fraud…
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Suspect bad debt on my credit report
A unpaid CC is showing on my credit report, the date shown is two years after I left the address, this was a flat with a shared letter box, I have no recollection of ever having said card and the company who issued it are refusing to treat it as fraud as all my details match. This is the only bad debt on my credit report,…
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bmi American Express and American Express Rewards
I have applied and been accepted for both cards. My question is: If I spend the initial £250 within 90 days of account opening on the bmi card and qualify for the 20,000 bonus miles, do I have to keep the account open until I have used the miles? I think overall the Rewards card will be better for my needs so I intent to…
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First Time Credit
My son will soon be 18 and we both would like him to start building a good credit history as often credit is needed for all walks of life. He has been on the electoral roll since 16 and been with his bank for around 4 years now. I would like some information on what he could do to get a good start and any credit cards…
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Interest on Credit Card balances ????
There is probably a legal reason why banks don't pay interest if you are in credit on your Credit Card account . This is ( was ) the case in South Africa and the rate of interest given was actually the best available on instant access . If there is a block on paying interest then the question is Why ? If there isn't a…
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Argos Online Account
Simple question really, about christmas time last year I purchased an item from Argos on their website with a monthly payment plan, due to small financial difficulties I have been unable to pay the montly installments until now, which I can pay all of up to the current date, (The included deal said my monthly payments…
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Credit card scamsters used car parts
I recently placed an order for a used car part online, the company delivered the part but it was wrong. I sent the part back and asked for a refund as they did not have the part I needed. Three months later and around 20 calls to the company we have had no refund. After checking a few forums because I was a little…
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Barclaycard & Spoof emails
Within 2 days of registering my new Barclaycard with their overseas phone centre I started receiving sppof emails from Barclaycard! I have had spoof emails before for banks etc but never Barclaycard. I seem to remember some time ago Barclays call centres selling info, I am now worried it might be happening to me.
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MBNA monthly interest has taken me over credit limit, now a default fee?!!
Hi, new to MSE - I have a MBNA platinum CC with balance just over 8k. A few months back my interest rates jumped by 90% to 26.5%, but I kept paying and have a direct debit setup so that I am always on time. This month, (even though I haven't spent anything for 2 months) the interest charged has taken me £2 over my credit…
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Is this worth it - Balance Transfer question
Hi Peeps, I have just received an offer from Flybe which will allow me a Balance Transfer to my card at 0% for 9 months. However, is it really worth it. At present I have a credit limit of £3250 on the flybe card at 19.9% APR. Im using £3200 of this credit limit so can't balance transfer as it is at them moment. I also…
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Credit Score Confusion
Hey Guys, In the last month or so I applied for an argos card (to buy a nice shiney mac) and got rejected due to my credit rating which I didn't understand as I have no debt, apart from my student loan - which I have been paying off, slowly over the past few years, but I am still paying it - I have no credit cards, no…
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CC with a high credit limit
Hello MSE's, hope your not too chilly!? I have had a Virgin Card for a few years & owe just under £2,500 on it. I would like to do a balance transfer, but both Egg & Barclaycard have only offered me a low credit limit, so therefore, not enough to cover the transfer. I cancelled them both. A lot of cards seem to be MBNA &…
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Cash Balance Transfer: Is this right?
Hi I currently owe £1500 as an overdraft on my hsbc account. I currently pay in the region of £23 per month interest for this faciality... I calculate that as 1.5% per month interest totalling 18% APR. I am looking to appy for the MBNA Platnium card, to which i can cash transfer into my HSBC then i can close the dreaded…
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Is Virgin the only Super Balance Transfer Card?
I had a Virgin Card and the deal ended in august - which is when I cancelled the card. I need a super balance transfer - as I dont have any credit card debt to shift to other cards. I did try about 1 year ago to get an Egg Money Card but there phone interview was too much, and they said they couldnt offer it to me at that…
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Super Balance Transfer question
Hi, Is it possible to get £3k on a super balance transfer card? Cheers
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Halifax clarity accepted, but....
Hi guys, just been accepted for the HC card. However, i'm starting to think i applied too early. Have applied for it as a card to use abroad, going to states next year for wedding/honeymoon so it'll come in handy. Thing is they have offered me a credit limit of ~£10K. I was hoping for something nearer £6K, same as the…
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Need a new quick bank account :(
I was running a small ebay/online business with a friend of mine, we didnt make much profit we we took home about £60 a week (Whilst having full time jobs) Anyways i got home yesterday to find my ebay had been permanantly suspended and my Paypal had been permanently closed. Bot my bank cards are linked with my paypal…
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Credit card account transfer query.
I wonder if anybody here can give some tips or any advice on transferring somebody else's credit card balance to my own card. I tried Santander today who can't do it so got to rule them out. The reason behind it is because it's for a wedding present and I'd like to be able to do it if possible.
