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Cards and car hire
I do not have any credit cards and this is proving very difficult when I want to hire a car. The hire companies all seem to need a credit card to guarantee any losses due to damage etc: Even when I take out their 'extra' insurance they still demand a card. My question is: what type of pre paid card can I get with my…
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Help choosing 1st credit card
Hi, My partner and I have had our offer accepted on our 1st home and have now decided its probably a good idea to own a credit card....just for emergencies and buying large household items with ie: sofa, washing machine, fridge freezer etc just for a bit of protection. But I have NO IDEA whats a good deal as I dnt…
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Credit Building!! PLEASE SOMEONE HELP ME?!
I'm in a rather annoying situation at the moment with my finances. I'm 26, my income is fairly good, and I don't have any debts at all. I pay out for my rent, phone, car, food and bills but thats pretty much it. I've been with my bank for 8 years now and used to have an overdraft and used to be offered credit cards. Always…
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Credit card application... previous addresses
Hello, I recently applied for a credit card which was declined. Having performed my own credit check through Experian it's clear that my financial history is sound. Which leads me to wonder why exactly the application was declined. On the application I put my two most recent family addresses, the only ones that I have been…
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Pre-paid cards?
I'm rebuilding my creidt history, and i've seen these cards.... how do they affect your credit score? has anyone used them and do they actually work!?
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top up credit cards
hi, i need to know about the top up credit cards & what are the cheapest to use, it's for my kid's holiday & i would like them to carry this rather than cash. thanks in advance for any help.
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Argos-cancelled Coversafe Policy
Hi. I have had a Argos card for a number of years. In the last month they have told me that I am not entitled to a new card (as the old one has expired) and this week I received a letter telling me they have cancelled the Coversafe Policy. No reason, just cancelled it. I owe about £400 on the card and always take Cover out…
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Lost Debit Card
Not sure if this in the right place or not? I realised yesterday I'd lost my debit card, so I rang the bank to have it canceled and a new one issued. Anyway when he asked me if I wanted to keep my original pin I said "yes", then once I put the phone down I remembered I changed my pin from the original a few months ago. :o…
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Is it worth reducing my available credit?
I currently have 6k outstanding on 2 cards. Both on 0%. Am paying £400 pm off them. It was 8k when I started. I have 5k on a virgin card which am paying min on and 1.2k on a HSBC card (my bank) which is getting the lump to pay it off. Come June-ish both 0% will end and I want to transfer again. So I will need to move 5k…
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Discuss the 'Which balance transfer card is cheapest?' tool
Hi folks, This is the discussion thread for the MSE 'Which balance transfer card is cheapest?' tool. Which balance transfer card is cheapest? Please feedback on the tool in here or just discuss it between yourselves! Thanks, Alana
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Balance Transfers - Does It Change Your Promotions?
Hi, I am currently wedding planing and trying to make sure that I get my spending right. I have 2 cards currently: - Tesco - 0% on purchases until June 11 - £5,000 on card (limit £6,000) - Sainsburys - 0% on purchases until Dec 11 - £3,300 on card (limit £4,000) I am paying monthly between £500 and £1000 pound but will…
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Halifax Clarity - how long to open?
I returned the signed credit agreement last Wednesday. The account is still not showing online nor have I received any new paperwork/the card/the PIN. Does anyone know what Halifax's usual turnaround would be for processing the agreement?
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Help with 1st credit card.
Hi everyone, Ok, i'm thinking of getting an MBNA Amex credit card to buy petrol with 1.5% cashback. A few things I would like to know are? 1) Do I have a chance of being accepted. - i'm 18, still at scholl and work in retail earning £1,500 a year. 2) How do I repay the cost each month? Is it a standing order or Direct…
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Credit cards not showing on my credit report
I'm trying to build up a good credit history, and I have 2 credit cards. I sent off for a copy of my credit report the other day, which I do quite often to keep an eye on things, and since moving house 8 months ago my 2 credit cards don't show up on my credit report, nor does my Next Directory account. The only thing which…
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Credit Card Rejection letters without applying
My Mother, in her eighties, has received 4 letters of rejection from different Credit Card providers even though she has never applied for any of them. I think that someone maybe using her name and address to apply for these cards in the hope of intercepting a successful application with an enclosed card...am I being…
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Question about Credit Expert lower my bills and the loan companies
When I signed up to CreditExpert, I tried the lower my bills thing as I was curious, and Experian have now given out my email/mobile number to a load of loan companies who keep constantly calling/texting me (during the day at work, so I can't answer but I put the number on google and it showed the company - aspire loans is…
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Charged Interest :(
Hey, I paid of my CC in full by the due date, yet when my next bill came I was charged interest? Am i missing something?
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To All Barclaycard Owners (0% balance transfers)
I did this last year by mistake (but may benefit some of you)... I had a Barclaycard with a £2000 limit and a stupid interest rate of like 29% (as the 0% was up). I got this paid off and phoned up to cancel. They offered me 6 months fixed rate of 6.9% to stay with a max limit of £2000. I said no and cancelled. I forgot…
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Capital one application messed up...
Was just applying for the progress card online and passed the initial assessment but when I went to sign the agreement, Safari couldn't open the page. I tried going back and trying again, but it still didn't work. Should I call them or just wait and see if they post it?
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Need help!
Hello everybody, I need some help with some info. I am thinking of opening my own business, does anybody know how much do credit card companies charge you and how much time does it take for them to actually make the transaction to my account? (The product will be computers). And another doubt, do people in the UK usually…
