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How to start with credit?
I'm hoping someone can suggest a way out of my son's catch 22 situation. He is in an almost full time job but on quite a low wage, started there last August. He has a current account with Nationwide which he has never been in any trouble with and which gives him a debit card and a cheque book. A couple of weeks ago he…
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Aqua - 2 searches?
Recently applied for an Aqua card, and got a message saying "Provisionally accepted for approx £600 - we just need to get you to sign" (awaiting paperwork) Just checked my report - it seems they did 2 searches on me - should I be worried about this ? (I don't actually plan to apply for credit for the next 6 months or…
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Can I reverse/charge-back an old transaction?
Hi all, Strange one here ... I registered for Groupon a while back and while most of their deals are not applicable to me...one was late last year. I went for it, paid the near £200 on credit card and that's about as far as I have got! I've been trying to contact the company and I've had nothing back from them via email…
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Vanquis - increase letter but no increase?
Hi all, Had a letter from vanquis last month saying that I'd been given an increase from £250 to £500 (my first CC - so didn't expect that at all) - which'd show up on my next statement. It's now ... 5 days after my statement date, (15th) and the increase is not showing up in evanquis... Is this normal?
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credit card advice appreciated
Hi People I have been using this very useful site for a while but never posted before. Here is my problem. My wife has a poor credit record. She has been trying lately to get on top of her debts and has managed to pay a few off . She has an Egg credit card , with an outstanding balance of £7100. This is with an APR of 26.9…
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Card Details Theft Problem
With my Dad's permission I used my father's Northern Bank Visa card to buy a memory card on ebay, payment for which was processed through paypal . My father received his card statement yesterday and as well as the purchase I made there were two other transactions on the card, one made on JohnLewis.com and the other from…
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bought something now changed my mind
I gave permission for my bf to purchase something using my halifax debit card on friday, wasnt keen at the time, but still let him go ahead. Now we have had a major fall out am i allowed to cancel it. It wasn't an actual purchase, more of a service if you know what i mean:(
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BMI offer of 20000 miles for £250 spend..
Hi, I recieved an e mail with the above offer, anyone used it before? I read that you still need to pay taxes/charges, anyone any idea how muc they are likely to be for a short haul flight? Also are there any catches to it? Many many thanks, Paul..:j
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Minimum payments
I have a MBNA credit card which i have had for a number of years. I have just been informed they are changing their minimum payment terms and conditions which will increase my payment by £95.00 per month, can they do this?
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Snowballing/Balance Tranfer advice needed
Hi All, This is my first post so I hope you'll be gentle with me! I am yet another lurker come out of hiding, and this is all quite long, so please bear with me..... I'd better set the scene a little.... Over the past 14 years I've racked up a whole lot of credit card debt. Not helped by being made redundant twice in the…
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barclaycard
woke up to find out they now do 20 months 0% balance transfer. wow talk about competition.
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Santander 0% BT in Jan, offer repeated in March
As holder of an A&L Premier Current Account I was invited by Santander to apply for a 16 month 0% balance transfer card, guaranteed acceptance, fee-free for transfers made in the first 3 months. I received the invitation in January with an 'apply by' date of 14 February. The form was largely pre-filled, I applied to…
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can they do this?
I have a MBNA credit card who have just informed me they are changing the minimum payment from 2011 which will put my minimum payment up by appr £95 per month, can they do this?
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American Express Platinum / Complimentary ticket?!
Does anyone have used their service to buy tickets and got a free upgrade or complimentary ticket?! Getting special airfares, upgrades or complimentary tickets When you use Platinum Service to buy a qualifying First, Business or full-fare Economy Class ticket, we may be able to offer you special airfares, upgrades or a…
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fixed payment on cc
hi all, this is my first post on here so hoping im in right place.. our situation is... we have a cc with mbna which we have had for 4 years our credit limit is £3500 of which £3,200 was used as a balance transfer.two years into the card debt my husband lost his job so after a couple of months struggling we got in touch…
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Should I pay off my CC with my overdraft?
Hi all, I am a novice to this site and this is my first post so I'm not sure if this subject has been discussed in detail. I would be really greatful for any help on this. I have read the advice on this website regarding paying off my credit card with my overdraft. The advice is to avoid it at all costs as normally the…
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Oasis Card difficult situation- advice/support needed
Hi everyone, I took out an Oasis store card before Christmas. This was my first ever store card and I don't know what I was thinking! I am in full time employment so paying it off wasn't going to be a problem. However, the item- only a £26 top- I took the card out to pay for, had to be ordered from another store in London.…
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Credit Rating.
I need to get a Credit Bureau Report along with Credit Score and Credit History. Please let me know how all this is possible?? Do I have to pay any charges or fee for all these?? Thanks in advance.
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Bank are unable to locate a copy of signed agreement
Hi All, I have recently requested from Lloyds TSB credit cards copies of all statements and original agreement when i took out the credit card as i was looking into claiming back PPI. Today I recieved statements back however the covering letter stated "Unfortunately, we have not yet been able to locate a copy of your…
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Credit Card Cashback / Points Tool?
Hi all, There used to be, or hopefully still is, a tool (calculator) on the MSE site that allowed you to see what a certain spend would give you in terms of cashback or points. I can't find it, driving myself mad looking for it, want to see what the John Lewis card is like (as I'm making a lot of purchases there) in…
