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Santander Credit Card ???
Santander recently wrote to me and invited me to apply for a card, which is fantastic news for me as I am desperate to rebuild my credit score, which isnt good thanks to other half who left me with large debts., I currently have two default, one is showing settled. They have asked for further proof of ID, I bank with them,…
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Nationwide cc statement late
Hi, I received my nationwide cc bill on the 14th Jan and the minimum payment was due in the 13th Jan. As my payment is now late, they have charged me £12 late payment fee and about £20 interest. Does anyone have any experience of calling them up about receiving the letter late? if they take the charges off, will this leave…
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Capital one - card at 'risk' - replaced, anyone else?
Got a letter yesterday saying their "active fraud monitoring" has identified a number of cards that may be at risk and they have issued me a replacement card which was in the next letter on the pile. Only expiry date and security code have changed. I don't use the card that much and not paid anyone I would suspect of being…
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Paying bills on a 0% cc
Hi Everyone, Could someone tell me if paying a tax bill on a 0% cc is classed as 'purchase' or 'cash'? I assume 'purchase' is any goods you buy but not sure what paying bills would be classed as. Thank you
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Nationwide and foreign transaction charges
I'm aware of the fact that some cards charge for foreign transactions and some (Nationwide, Halifax clarity, Santander Zero) don't. However I wanted to make a purchase over the internet that was going to be charged in euros and as it was a reasonably large amount I checked to see what the position was. Nationwide Gold -…
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Direct debits to pay barclaycard.
Does anyone know how long it takes for a direct debit to be set up with barclaycard. I set one up for a minimum payment 28th december. I checked with the bank it was coming from who told me the direct debit was successfully set up on the 31st of Dec. My minimum payment didnt go out on the 7th of Jan which means £12 fine…
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Turned down for CC but not sure why?
Hi, i want to transfer my current CC balance to another card to get a better deal with much lower (or even 0%) interest rate. My credit report is fine, no CCJ's, no defaults, late payments etc. Im on the electoral role, have home phone.... no issues with credit report or score (which is 821) except; I am using 71% of my…
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Interest charges
Hi folks, This is the first time I've had to pay credit card interest charges and I think there is an error somewhere. I have been charged interest on the unpaid balance from last month, which I expected. However, I was also charged interest on this month's purchases. Should I not get the opportunity to pay these purchases…
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Best way to cancel Credit card accounts?
I have about 9 credit cards accounts mostly all expired 0% purchase cards that I no longer use. I am having a new year clean up of my finances and wish to get rid of about half of them. What is the quickest and most efficent way of cancelling? A cancellation letter with the card enclosed cut up?? Thanks Ted
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APR query
Hi everyone, I am trying really hard to get on top of my cc debt and have learnt so much in reading through these posts, like ccard companies being linked and hence I got refused a 0% card. Anyway I have a HSBC card - owe £990 (credit limit £2000) and an MBNA - owe £3600 (credit limit £3800). The HSBC clearly states my APR…
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Credit Report Help!
I'm really confused about my experian credit score which came back 550 at Very Poor their reason is i may have several credit accounts in debt? For one i have 1 Littlewoods account with a balance of £110 i pay back every week and my credit card balance is only 2 pounds above the limit due to interest. I pay all my bills on…
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Building credit
Dear experts, My partner has no credit history as he has always lived with his parents (aw, how cute). Could you kindly help me with some advice? His bank has given him a credit card with £400 limit. It's an RBS Mastercard. He has also recently been approved for a Capital One Progress credit card (thanks to the fantastic…
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MBNA Blues and a bit of a Pity Party
MBNA blues I'm joining the growing voice against the MBNA credit card company who are much more interested in money and profit that any concern for their struggling customers. (Well, DUH :rotfl:) I was lured in by the promise of interest free credit for a year and thus I moved my other two CC balances to the MBNA card just…
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Flybe credit card charges
On Friday 17th of December I was due to fly from the Isle of Man to Birmingham with Flybe. Due to the bad weather (snow) the flight was canceled and I was told I could have either a change of flight or a Full refund. I understood that the cancellation was outside Flybe's control and did not ask or expect to receive any…
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Barclay's current account closure
Hello everybody, my boyfriend used barclay's bank account for almost a year now and few days ago we went grocery shopping and the debit card was declined, so we tried to take some money out from cash point, but the machine swallowed the card. the very next day he went to his branch to ask what has been going on and he was…
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Using Credit Card to Rebuild Credit History
My OH has just been accepted with Vanquis for one of their 59% APR credit cards which will be used to solely rebuild a decent credit history. We're using the card to buy food and repaying in full each month, so the APR isnt a problem. We've read that to look "attractive" when other lenders will eventually search you should…
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Visa debit card charges
I have just purchased foreign cuurrency online from Travelex. On checkout they warned me that card issuers may levy a Cash Advance fee, even using a debit card. Despite this message, I conyinued to checkout ,safe in the knowledge that on all previous purchases from Travelex( 6 in total) this would not affect me. WRONG!!…
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Visa Infinite Card
Is the Visa Infinite card available in the UK? The website doesn't say much. What are the advantages? Is there a cost? Thanks
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Best way to manage c.c debt?
I currently have outstanding debt on 3 credit cards, Natwest M/c £1000 Natwest M/c gold £2200 Lloyds m/c £8000 I am currently only making the mininum payments (5% for natwest and 2.5% for lloyds) by direct debit. All cards are within the limits, spending is mostly 'purchases' (large tax bill) but £2k on the lloyds card was…
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Experian Credit Score
How do you work out what your credit score is it all says satisfactory on my reports and also the only thing flagged up in amber is one missed payment on my card so what is the best way to work out my current score with out paying extra for?
