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transfer balance to someone elses card?
Hello, I have an outstanding balance on my credit card at 0%, but the interest will jump in a month or so. I want to transfer to another low interest card, but I can't get one because I have a poor credit history. I have a friend who is happy to get a 0% card, and allow me to transfer my balance over. My question is - is…
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what card to kick start credit rating
Hi, I have recently graduated from university only with student loans at the lowest amount. I don't have and have never had a credit card or overdraft or other type of loan. Recently I tried to apply for a loan for further study and was refused because I effectively don't have a credit rating. I was wanting to hear any…
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Barclay Card Account Closed for No Reason!! Grrr
Dear credit card annoyers, Today i received a letter from Barclaycard saying the following. Dear Mr. Xxxx "After careful consideration we are sorry to have to tell you that we have decided to closed your Barclaycard account(s). Under the terms and conditions of your Barclaycard either you or us can end the agreement at any…
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Capital One Credit Card Question
I applied for a cpital one credit card a while back and at the end of the application it said we will let u no in 7-10 days and i was wrote to and declined thought nothing of it, Today i reapplied a good few months later and went all the way to the end and it asked me to sign a online credit agreement etc not we will let u…
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Two Banks Claiming Same Balance!!!
Help :( . I tried to make a balance transfer between Halifax to Barclays a couple of month ago. I've been paying the Barclays account for the past couple of months. I came home from uni to find a letter from Halifax saying I hadnt paid for the past couple of months, I phoned them they said the balanced transfer had been…
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Marlin Finacial
An old debt which has long since been handed over to Marlin is about to-june next year- leave my credit file. I have been offered to settle at 80 percent. When I rang they said that they would accept less. Does anyone know the smallest percentage they'd accept? I tried 57 but they weren't having it. Also is it even worth…
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Pensing transaction not taken
Hi I have a barclaycard cashback card, and within the last 2 months i have used it lots of times. 3 of these times were with the same company, after which the value of the trasaction was pending but then disappeared a few days later. None of these transactions have ever been taken and the oldest one is approaching 2 months…
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Santander Rant
Hi guys, Background: I have a Santander current account, a Nationwide credit card which I use as my main card because I do a lot of overseas travelling, and a Santander credit card I've had for years. I wanted a Santander Zero card to replace the other two and link with my online banking. I casually mentioned this to a…
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No PIN or sig required for foreign purchase
Was surprised yesterday when I used my Post Office credit card in a shop in Taiwan. Handed over the card, out came the receipt and that was it. No sig required, no PIN required. (PIN pads are common here, but they aren't used yet.) Card crime is very low in Taiwan and the shop said it was because the transaction was quite…
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Understanding the '0% for purchases' time period
Hi all, I'm just a little unsure exactly what this term means and wondered if someone could explain. Say for example I get a card with 3 months 0% interest on new purchases. In month 1 I spend £200, month 2 I spend £300 and then don't use the card anymore after that 3 month period. If I then pay off the minimum payment…
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Cancelling a credit card
My OH has several credit cards, only one of which he now uses, so I said he should cancel the ones he doesn't use, as they keep sending him new ones in the post. Many years ago, he cancelled a credit card, and it ended up coming up on his credit file as the bank having cancelled it at their request, and not him having…
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Visa Insurance
Hi there, Have had a look for this on the site but to no avail. I believe that if I make purchases with my Visa Card I am protected if the company goes bust etc. I am about to pay a deposit for my wedding photographer - the deposit is £100. The website accepts PayPal - am I protected if I pay by Visa to PayPal to her? And…
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Fraudsters 'copying online banking security' BBC
Just been browsing the BBC website when I came across quite a disturbing internet article. http://www.bbc.co.uk/news/uk-11571873 What are your thoughts on this?
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Section 75 query / clarification / help !!!!
Hi, In a nutshell, I'm after a simple-ish answer to this. I operate a small holiday rentals company. People book to stay in holiday villas through my company. I don't offer anything else (no flights, no transfers, hire cars etc). I am not ATOL bonded. I take bookings via my website and currenly people then pay by cheque or…
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Credit Card Issued to 17 year Old !
I am horrified and disgusted that my son (at the age of 17) has been able to apply and be accepted for a storecard at one of the major Mens high street stores. Even though he told the member of staff he was 17 !!! I have of course given my son a right telling off and the card will be destroyed and account closed... but how…
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What Credit Card Should I Get?
I'm getting a credit card for the first time to make a large one-off purchase. Has anyone got any recommendations? I don't know what I should be looking at. Thanks!
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Argh! Declined!!
I used to have bad credit and a trust deed but I've worked really hard over the past 6 or 7yrs to fix this. The trust deed has been cleared for over 3yrs and no longer appears on my credit report. All accounts on my credit report, (of which there are only about 5) are now either 'settled' or 'satisfactory' and my credit…
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Rate Jacking - Lloyds TSB Credit Card
Hi All I have a question in relation to Rate Jacking. I have a credit card with Lloyds TSB and have recently discovered that they have increased my rate consistently in the last year and half (every six months). I rarely use the credit card, have never missed a payment but only manage the minimum payment each month. My…
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Best time to apply?
Hi, My credit report (which is nearly 2 months out of date) is showing that I only use about 20% of my available credit. When it updates, it should be more accurate (more like 60/70%). I'd like to apply for a Tesco credit card - when will be the best time to apply? My rating should be very good, though I'm concerned that…
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Useful Information?: BarclayCard
I recently got a letter in the post through from Barclays regarding a change to my T&Cs of my barclaycard. In it, they stated that they are reversing the way payments are made. Instead of paying of the cheapest stuff first. All payments will now pay of the item with the most interest. Is this industry wide? or is it just…
