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quick question about balance transfer card !
hi all, hope someone out there might know the answer to this one.. Hubby & me want to make a couple of large purchases, we want to purchase them on my credit card and then transfer the debt onto a 0% bal transfer card. currently I have a credit card in my name only, I am a housewife. He works full time but has no credit…
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Unauthorized activity by my credit card supplier
Hi At the beginning of this month, I had £334 added to my credit card account in the form of a debit card payment. I did not authorize this (nor to i know it happened until later in the month) and it was not a payment that i had made. The money was then refunded to whoever it belonged to by my credit card supplier later…
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paying in extra to CC
hi, I just got a new card to help me boost my credit rating I have been using it very well (maybe to well) but also been paying off the balace before due date just to be on the safe side but is it a good idea to pay a in a bit extra for example outstanding balance is 149.50 but I paid in £150. what is the pros and cons of…
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Hsbc visa - apr
Hello, I am in urgent need of some advice regarding my HSBC VISA card. On looking on Martin Lewis website regarding ‘credit shuffle’, I decided to follow one of the steps and talk to my existing credit card HSBC. As I am currently paying 21.9% APR and followed his advice and called them to see if we can work out some…
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MBNA rate increse..get rid?
Hi guys, I have a dilemma at the moment. I have MBNA and Virgin card. I received a letter of rate increase for both. I am not going to be affected for either, as both are on special offer and will be paid off when the offer is out. BUT once I do pay them off should I keep them? I can just call in now and say that I do not…
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Good credit rating card tart problems!
I hope someone can help me out here....I am a card tart with a good credit rating, and no missed payments on my credit cards. For some of my cards, I pay a fixed amount each month that is more than the minimum required. I have been sorting out my finances recently and have two MBNA cards that are not on 0%. My Virgin card…
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do i cancel credit card?
after rebuilding my credit with the help of vanquis i have been accepted for a virgin credit card with a limit of £2600. should i cancel my vanquis card with a limit of £1750? is it better to keep it on there because i have had it for about 18 months or cancel it so i do not have too many credit cards on my report? i…
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enquiry about credit checks on experian?
hi just had a nosey at my credit report on experian, and it says that several times I have had credit checks from Camelot UK Lotteries Limited.... and it was an Unrecorded enquiry each time... ??
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I need a credit card!!
Any help please. I need a credit card to help me build my credit score. I have 2 CCJs which are satisfied from 2005 and 2006. Am i stuck in a vicious circle? Can i get accepted for a credit card anywhere?
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Santander (Topshop card) debiting more than I owed
I'm not sure if this is the correct forum, but the problem I'm having comes from a Topshop card run by Santander, so I thought that this was closest. I'm sorry this goes on a bit, but I would really appreciate some advice. Basically I went online to check my bank balance tonight and discovered that my balance had gone over…
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Do 'Settled' Credit Agreements affect my Credit Rating?
Hello there, I have 3 'Settled' credit agreements on my credit rating.. None of which were actual 'debts'.. One is a NEXT Directory account which I never asked to be opened in the first place; it was opened in February and I closed (or 'settled' ) it in July.. The second is a Vanquis credit card that I didn't use other…
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Stupid Question
Hi Everyone This may be a stupid question but do i need to know my credit card pin number if i want to use it in Cuba? Also do they except Tesco & Barclay credit card in cuba?
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Which card to use???
First time poster but I hope you can help. I'm booking a wedding venue in Majorca and need to pay a deposit of 1500 euro's. Now the question is which Credit Card shall I pay deposit on. I have a VirginMoney Credit Card that I use to buy things but pay the bill at the end of the month and no interest is payed. I have also…
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New card cancelled ?
Evening. I recently took out a Barclay card to consolidate 2 existing cards i have.I'm in no means in a desperate situation, i just took it to be a bit more savvy with regards to interest payments. So i get the card Friday and i phone to activate the card. Strangely when i phoned the automated number it told me it had…
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Best Credit Card for Overseas use
Hi, I wanted to get some opinions on the best Credit Card for overseas use. I previously had an Abbey Zero card as this has no charges for cash withdrawals overseas but this is no longer available. The Sainsbury's Gold card doesn't look bad but I'm not keen on the £5 monthly fee. I'd appreciate some opinions on this but…
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Advice needed - Which first credit card to take?
Hi there, looking for some advice on which credit card I should apply for? I've only ever had one card many years ago with HSBC (who I bank with) which I ended up cancelling and repaying in full. I have 2 defaults on my credit history (both satisfied, one of which drops off in July next year). The rest of my file is clean,…
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Building a Credit Rating
Hi all, I am 20 years old and am trying to build a credit rating for myself for the future. I have been working for the past 2 years and have no debts. Unfortunately my dad who I share a house with has had some difficulty over the past couple of years and his credit rating has suffered significantly as a result. I am…
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What's the best airmiles creditcard?
What's the best airmiles or BA miles credit cart going at the moment? I'd probably do at least £500 on it per month and set up a direct debit on it to pay it back in full each month. Thanks!
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Natwest Adapt Overdraft
Ok. So Friday i bought something with my Natwest Adapt account at the COOP. The money has not taken out of my account yet. But today someone hacked my PayPal and bought a ton of things wiping out my card. I have requested refunds for the things, but the refunds have not come through yet. I am worried that the COOP items…
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Virgin Credit Card - advised of incorrect promotional rate
Hello, I wonder if anyone has any advice... I called Virgin to enquire about my account. Whilst on the phone I was informed that there were two new promotional rates available on my account for new purchases. Based on this information, I paid for flights on my Virgin Card on 2 September. I have just received my statement…
