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Date since last Delinquant?
I was checking my credit report last night and spotted that although I have no Defaults (yay) My creditcard have a "date since last delinquent" and a delinquent balance. Can anyone shed some light on what this means? (It was Equifax if tat helps)
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Suggestions for card for foreign (US) transactions
Hello, I occasionally buy stuff from the US and often I am not 100% of the security features of the online ordering systems some companies use. I am also not sure whether I get a good exchange rate. I was thinking whether it would perhaps be possible to obtain a pre-paid credit card, ideally in US dollars, which I can use…
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SBT + Trav Cheques + Cashback websites?
Has anyone used a cashback website when getting TC's to do a SBT? I'm doing a SBT using a M&S credit card to purchase trav cheques at a cost of 1% I can get 3.03% via topcashback at the moment for M&S... Reckon it'll work?
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Looking for a balance transfer card
I have balances on MBNA and Halifax credit cards that I need to move with a cheaper APR and I'm looking for a new card deal. Am I right in thinking that some of the Credit card deals are ultimately provided by these companies which means I wouldn't be able to open a new card account? i.e MBNA and Virgin are linked aren't…
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santander card - for Students?
Hi I was looking at the santander card, Now when I going to fill in the applictaions. In the employment box, as I am a student I would select this. But they have NOT Employed -Student option. Therefore is this going to decline the application? As I know that if you are currently unemployed then on one will give you credit…
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Help - credit card suggestion for mum
Can any one suggest who I can suggest mum applies for a credit card with for emergencies only. She only works part time and has very little credit history, as all loans etc have all been in my dads name (they are completely debt free). However incase she ever needs credit, we have suggested that she applies for a card in…
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What a nice man!
My OH has just been on the phone to Amex to cancel her card. Usual questions including "Why are you cancelling?" Stock answer of "Just spring cleaning the finances." At which point he asked of we had heard of Martin Lewis! It seems Amex are keen to remain on Martin's best cards list. Not surprising, as I imagine many of…
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Any disadvantage to combining separate balances onto one card?
Morning All - hoping someone can help me with this? I've just had an application accepted for the barclaycard platinum at 0% - I have 3 other credit cards that I've just been paying the minimum payment on for some time, as well as an overdraft. I was hoping to transfer the balance of one of the cards onto the new card at…
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late payment fee on credit card after getting a ppi claim and cash back,
Hi there just checking to see if any one else had this? I got a lot of cash back from my credit card after i claimed back my ppi, last year and i had only £36.88 left to pay on it - i paid the full amount on the 22/12/10 by cheque first class post, and it had to be there by 7/01/11. On the statement i got today they said…
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Need Balance Transfer Advice - 0% or 6.9% ?
Hi, I recently opened a Barclaycard Credit Card with the intention of transferring approximately £3.3K (plus 1.9% handling fee) onto their advertised 0% for 13 months offer. The balance is currently on Capital One and Halifax cards at approximately 23% APR. When I activated the card I was told that I also have the option…
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GM Card - Last Weekend
A reminder that tomorrow is the last day that the GM Card will be usable. I've converted to a Halifax Clarity Reward Card because of the £5 monthly cashback, and got a £2k higher credit limit to go with it. What have others done?
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Get money for spending on credit card
I look to make £120 this year for useing my credit card and bank acount - better than any interest I think. Get a halifax reward bank account - I pay in my monthly salary, so over £1000 goes in and I get £5 paid into my account a month for that. Just got the Halifax reward credit card - spend over £300 a month - and each…
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Asda Credit card
Anyone had a problem with their Asda Credit card (Santandare) - Last September they upgraded their system, which then wiped my DD (I always paid in full monthly to avoid interet) - then they blocked my card and have issued nearly £100 in bank charges. :( I have phoned and written since 7th November last year to get sorted…
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Can't balance transfer, any other options?
Hi, I've got outstanding balances on 2 credit cards and have an AMEX that I use for cashback and pay in full every month. My outstanding balances were originally on 0% but these have both now passed. I had initially intended to balance transfer at the end of the 0% periods, but have been unable to get a new card. My credit…
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Xfr balances to mortgage?
Hi all Looking for some advice please. A year ago we had an extension built which no surprise ran over budget by about 7K. We had to manage it with our c/cards and are left with high balances. Would it be adviseable to xfr the c/card balances to the mortgage as we are struggling with the repayments on the c/cards? After…
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Refund to cancelled credit card
Hello, Bookdepository.co.uk is going to make a refund back to my credit card. The problem now is that my credit card has been cancelled last week because of fraud problems and they have sent me a new credit card. What happens if the refund is done to the cancelled credit card ? Will it go through ? Is the new credit card…
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Credit card?
Hello, just got a quick one. The thing I would like to know is if you get some money off your credit card, then obey all the conditions, lets say a 100 out, they will charge you 3% fee = 103 total. Pay back in 3 months (6 are so called free) and then what? I mean if you put it back into 0 does it starts all over again, or…
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Not sure how to proceed with this
I ordered contact lens on 5/12/10 online and to date have not received this from the supplier. I have contacted them several times and for most part they just keep telling me my orer will be shipped within 1-2 working days. When I threatened to contact the police they told me we have shipped it. This was at the beginning…
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I want to buy a car
I haven't passed my theory & practical driving tests but I want to buy a car. Can I buy a car even if I don't have a driving licence? Will it be in my name and will I have to payy all the MOT, insurance, road tax, etc even if I'm driving with an L sign?
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Possible ID theft (direct debit)?
Today I got a letter from the British Red Cross, thanking me for agreeing for a direct debit donation. However, I have no recollection of doing any such thing. Further, my surname was misspelt and the address did not include the unit number. However, the bank details for the direct deposit matched! A week or two ago I was…
