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Halifax rewards clarity credit card
Good morning all. Went to my Halifax online site this morning & noticed my Halifax rewards credit card is now showing. The concern i have is its titled "Standard Mastercard" on my accounts page. I was wondering, have i got the correct card & is it the Clarity rewards card or have i got a standard one without the rewards?
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CRAs
I am in the process of putting through a dis-association on my Equifax credit file, will I need to do this with Experian and any other CRAs?
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New Law On Credit Cards... eh?
I heard there is a new law coming in for credit cards at the end of march. I have no idea how this is going to affect me, from reading around we will have to pay off an additional amount so my credit card debt always goes down. But i can't find jack about it, or if its in place.... please help :mad:
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Spacing out multiple finance product applications
Morning all, this is the first query I've posted to the boards, apologies if it's been asked before but I couldn't see anything on the search. I applied and was accepted for a Virgin Atlantic Amex in the middle of January, I needed a higher limit card to book a holiday and the miles system appealed to me. I've now booked…
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handling fees
Is there any credit cards that don't have a handling fee as it's costing me quite a bit when i transfer my card to get 0% interest. Brian
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Charges for credit card purchases?
When making certain purchases online, some companies charge a credit card fee. Paying for a recent holiday incurred a 2.5% charge - so about 70 pounds on top of the price if you didn't use a debit card. Of course, these additional fees don't apply on all purchases. So is this simple profiteering? And what can I do to avoid…
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Do MBNA do repeat 0% purchases deals?
I have an MBNA card that I took out about 9 months ago for 0% on purchases. It has now expired. I attempted to close the card yesterday but was convinced to leave it open in case of repeat deals. Do they ever do repeat deals on purchases? I am not interested in balance transfers as I'm fortunate enough not to have any…
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balance transfer
question is can I get my wife to apply for a credit card and transfer a balance from my card to her one or would the card I am transferring to have to be in my name. My wife has never applied for a credit card by herself but has been joint applicant on previous cards for myself. She is a HSBC bank account customer and can…
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Credit Cards - Don't You Just Wish...
Hi Folks, I can't tell you how many times I've reflected on how I managed to wrack up the amount of debt I have by spending money that isn't mine and having no real intentions on paying it back anytime soon. (Lol!). I wish I'd never even bothered getting my first HSBC credit card at the age of 18. I had the money to do…
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Advice Please re Credit Card Dispute
This is a long story I am sorry but I am dealing with it on behalf of my sister-in-law and am desperately trying to get something sorted. This is more a problem with a company providing a service but as the money was taken from a credit card I thought I would post here. Please move if more appropriate elsewhere. Last June…
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Switching smile to Co-Op card. Reduce limit first?
Hello all, I have had a smile visa for about 7 years which I've finally paid off. The limit is still £10k (thankfully never got near that). I'd like to get a Co-Op members' credit card. Should I ask smile to reduce the limit on my card before applying for the Co-Op card? Will this make any difference? I recently got a…
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Can you transfer a credit card balance between two different people?
My credit rating is okay (only one black mark and it doesn't even show up with Experian, etc.), but I don't really have any *positive* credit either, so I'm not able to get any good credit card deals, it seems. I've had one for awhile, but the interest rate is high. My husband though, has a better established credit rating…
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can i claim canceled holiday back on credit card
I booked a holiday to france, got virgin travel insurance 4-5 days before we went. Just incase it was cancelled due to all the weather in november, flight was cancelled by easy jet got the money back from them. Virgin have just told us because we took out the insurance so late we cant get any money back. Can i claim the…
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Possible Claim on Barclaycard Cashback Mastercard
Hi this morning I had a lovely new leather sofa delivered from Ikea....this evening my cat has decided to take out its anger on it with its claws...... is there any chance I have a claim under the Purchase Protection offerred by this card? Can anyone help? House insurance has a 'domestic pets' exception under accidental…
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cant swap high interest c/card
Hi I would be very grateful for any advice on this matter, I have a high interest Barclay Card with £4,000 and am finding that what I can afford to pay each month is now only covering the interest, I have tried swapping it to a 0% card for balance transfers and was so disappointed to be turned down by the two I applied to.…
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Virgin Minimum payment changes - can I do anything?
Hi I got a letter from Virgin Money today informing me of minimum payment changes, before I was paying the interest plus £5, now it has changed to 1% of the balance plus the interest. Unfortunately this means I have to find another £40 ish a month from somewhere, which I can't afford to do at the minute. Is there anything…
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Clarification on Credit Card use for Halifax Clarity and Nationwide gold
Hi, I've managed to get the Halifax Clarity Card and my other half was successful in obtaining a Nationwide Gold card. Obviously we went for these for the overseas benefits. Although I'd consider myself somewhat on the ball when it comes to finances and although I'm sure I know the answer to this, being overly paranoid I…
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Trouble with 0% Transfer
Hi everyone, I am having issues getting a 0% Balance Transfer. I recently applied for an MBNA Credit card so I could move my my debt onto 0%. I did not get the credit card the reason is stated below: "We feel that your current level of financial commitment (which includes loans, hp agreements, credit cards etc.) is…
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Can't cancel my Virgin credit card
I've now phoned three times to cancel and each time have been assured that it is now definitely cancelled. I phoned Virgin for the third time about three weeks ago and once again have received no confirmation letter from them so I know from experience the account hasn't been closed. Before I ring them for the fourth time,…
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Hep with my previous CC application's
Hello all Im after alittle advice about my past successfull applications for credit, to ethier put my mind at rest or so i can make the right decisions regards this problem. Ive been out of work now for over a decade due to mental health problems which i still struggle badly with today, ive been on gonv benifit thou out…
