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Dell credit searched for me what?
So I bought a laptop from dell couple of days back. Paid for it in full using my credit card. And today I received an email from Equifax about a change to my credit report. I loged in and found this: DELL S.R.O-192BUSINESS , a Third party company, has made an inquiry against your credit report on 09/03/2011 . If you were…
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Credit searched twice
Applied and rejected for sainsbury card. Checked credit report today and it's showed they searched me twice on 8th. Both are exactly the same a credit check. So not as if one is a ID check that other lenders can see. Is this normal or should I call them to find out why?
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Unsuccessful Application
Im looking to move property with my partner.We both checked out our credit history on experian, mine came out as excellent nd my partners was 754 which is fair.We decided to boost her credit by her applying for a credit card.Think I may have caused a problem as I initially made the call asking which cards were interest…
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Cancelling a Santander Zero Card
Hello there, I'm after a quick bit of advice. I signed up for a Santander Zero Credit card a few days ago and have been approved and today had the Card and PIN drop through the door. I got the card (applied in branch after closing a long standing ISA from BB) on the promise of there being no annual fees but have since…
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What Counts As Purchases?
Hello all.. Can anyone tell me what the over-all bank definition of "Purchase" is regarding the 0% ? Does the seller need to be a registered trades person? Can i buy a new item from a private seller on ebay? How exactly does the credit card company detect it as a 'Purchase' ? Thank you in advance. This site is a real god…
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Super Balance Transfers - Question?
Hey All! Another little question. If, for example I have an MBNA credit card with a limit of £6500 and a balance of £2500. APR - no idea but from repayments it appears extortionate - approx 23.9%. So, would I be allowed to do this: 1. Ask MBNA what their APR on a super balance transfer is and if any good rate, take a £2500…
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Credit Card Debt...
Hi there MSE's, hope you can help me with (yet another) situation that has arisen today, just cant seem to get shut!! Ok so, got a phone call today completely out of the blue from HFO Services regarding a barcleycard that I took out years ago and have had absolutely no corresponance from for years, here are the exact…
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Best Credit Card for Person with £39 default
Hello! Wonder if anyone could help! My friend has an almost perfect credit file with no late payments on her mortgage, loan, car finance, credit card etc however she managed to default on a Next Directory account to the value of £39. She didn't realise what effect this would have on credit file until applying for a loan…
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Someone registered their debit card to our address
It seems someone has registered their debit card to our address for some reason. The card has not been sent here so I assume they have changed the address to here. I only found out about this when we got a letter from SKY addressed to this person with a new contract in it and the SKY tv card. Obviously I rang SKY and they…
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Bah.... missed payment (?)
Just remembered I haven't had a credit card statement for a while - checked my account online. Payment due in 3 days which I've just paid in full but it says it'll take up to 2 working days to clear. Have I just lined myself up for a nice charge and dent in my credit rating? :eek:
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Barclaycards frustrating security - help needed.
Although I have property in the UK, I live in Cyprus. I used to have all my statements from Barclaycard sent to Cyprus, but I couldn't use my card with PayPal because it was not registered to a UK address. A few weeks ago I used Barclaycard online banking and changed my address back to the UK and opted for paperless…
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Barclaycard 0% deal
looks great. Just read it again and they won't allow you to have more than 90% of your balance limit used by a balance transfer. Sounds fair until you realise the initial limit is only £1200!! I wanted to transfer over about £3k, a £1200 limit is silly IMHO.
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LLOYDS Bank credit cards
Here's a new one, I have a Lloyds DUO card which I very rarely use. February last year and January this year. I had a DD to pay the card off in full , or so I thought. My statement came today and there was a interest charge and a late payment charge as I had missed a payment.:eek: So... when I rang the call centre I was…
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what cards will bt to your bank?
as title says i have a new 6.9 for the life offer on 5k at barclaycard but want to get it to my bank
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Egg to Barclaycard help??
Hello, I have an Egg card and used it to do a balance transfer and pay off more than the minimum payments each month. I have heard the news about barclaycard buying egg and am worried how it will affect me. Problem is, when i was 20 I had a barclaycard and got into trouble when I lost my job. Short version the debt was…
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Quick questions about balance tranfers
Hi everyone Just a quick question about balance transfers. Is it possible to do the following (e.g.): Credit card A has a balance of £1000 1. Get a cash advance of £500 from Credit card A and put in current account 2. Tranfer new balance of £1500 to Credit card B which has 0% deal My questions are: 1. Is it possible to do…
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Any harm in reducing credit limit?
Good morning. Can you tell me, does it cause any harm by reducing the credit limit on a credit card? I understand the debt to credit available ratio & i think i read somewhere its best to have only 30% debt against credit available. I'm well within that range & was considering reducing the credit limit on my card to reduce…
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Credit Card Interest
HI Perhaps I've missed something here. (Tesco Credit Card) Last month I made a booboo and failed to pay off about £6 of my balance. This month the Interest payment has been calculated on all of the purchases made since last month and not just the amount that was not paid off. Is this normal? regards Stuart
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Will this hurt my Credit Rating ?
Hi guys I have been rebuilding my credit profile for the last 2 years after some problems when i was younger, i have one default for £4500 which is now partially satisfied and drops of this September, i have 2 mobile phone contracts a couple of catalogues a current account and 2 credit cards ( Aqua and Vanquis ) all…
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Credit Card for Purchasing
Hi guys, we have to pay the remaining balance of our honeymoon quite soon. it is around 3k and we were thinking of putting it on the never never card and then pay it when other big outgoings have been sorted out. So my question is if there are cards out there that you would recommend that give you cashback or rewards and…
