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Credit Card Application declined!!!!
I am frustrated because i have been earning over £25k for 6 years and havent defaulted on aything for 5 years,Yet was declined for Vanquis and Sainsburys Cards. I dont understand because i have been good with my money for a few years now.I checked mycreditfile.com and see that i have a low score with Equifax and Call…
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Best course of action now - credit card help, please! Possible loan.
Hello everyone, Wondering if you could help and advise me again, please.... I have a credit credit card with Virgin with around £800 on it from a balance transfer from Bank of Scotland. Bank of Scotland was my first credit card and that card was cancelled when I transferred my balance to Virgin. The 0% is due to finish in…
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Dumbass credit care query
This may be something everyone is supposed to know, but is it generally true that when you have one credit card with a bank they will not let you apply for a different one from their range with a different rate? I'm with Lloyds and wanted to jack in my old credit card (balance is nil) for a new one they are offering at a…
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sending cash using paypal via a credit card
I want to pay money to a relative using my Tesco credit card via my paypal account but does anyone know whether or not this will be classed as a cash advance by the credit card company and therefore incur higher interest rates and other charges
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can't afford to pay the minimum of credit card?
Any advise would be appreciated. I'm unable to afford the minimum of my vanquis credit card. I've recently finished uni and I'm claiming job seekers allowance until I find full time work. The minimum i have to pay is 63 pounds every month I also have other debts and credit cards. So I'm left with no money and have been…
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Almost missed payment because Santander lost direct debit???
I had a DD set up for my Santander Zero credit card with my Nationwide FlexAccount. Payments were taken in the previous month so it was definitely working. The DD is still showing as active in my Nationwide account but when I logged in to check my CC, it said there was no DD! Luckily, payment due date was today and I was…
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Best thing for australia?
Hi I am going on holiday to australia for a month over xmas. Anyone got any experience of the best way to deal with money - ie using a UK bank/debit card that doesnt charge for withdrawals and that you can use in shops etc?? Any advice welcome
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Barclaycard Disputing Conversation
Hi, got a problem here:mad: I took out a Barclaycard (on the MSE deal of 0% for balance transfers) Once I'd transferred the balances I was asked if I wanted Identity protection at 0% interest and said "yes". I think I then said "Oh, so you can make purchases at 0% also?" and was told "yes". This was news. I therefore…
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Only taken me 2 years
Cut long story short Had credit card, took bank to court to get unfair charges back, they paid out. I called up paid off balance and closed account. This was October 2007. They updated my credit files missed payment October. Missed payment November, missed payment December, missed Jan and finally missed Feb. So my credit…
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Cash Clearance Time on a Natwest Credit Card
Does anyone know how long it takes for a cash payment to clear on a natwest credit card? I went into the bank to pay some money off my card on 21st September and I'm still waiting for it to be taken from the card's balance!
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Does a landline phone affect credit ratings?
Being a money saver, I regularly skip through bills and check price comparison web sites, as you do. Looking at my home phone, it is clear that it is never used. Free minutes on mobiles cover phone needs. I have mobile broadband via a dongle as I like to take it with me and as for TV, a freeview box is enough for the…
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0% Virgin Credit Card charging interest
Hi All, I have a 0% virgin credit card and recently transferred the balance from an existing (different) card. I understand there is a handling fee of 2% or something but when I checked my statement I was being charged monthly interest! I called virgin and they said that it was my fault for not typing the promotional code,…
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Worried about identity theft
Not sure where to post this but I had my bag stolen last night which had in it: Bank Cards Work Corporate Card P60 Drivers Licence Payslips I've cancelled all cards but how do I ensure against identity theft? Thanks
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Multiple searches by lender
My partner applied for a new CC a few nights ago. It was approved but the lender searched the record twice on the same day, why would this happen? Probably not important but just curious :p
