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What are your thoughts please?
Good evening, looks like found somewhere interesting to spent some time on :j! Am young at the moment (20) trying to build up a credit history with time, last year was pre approved for Mortgage with Barclays but in the end fell through with seller so am still living with parents in same property for eight years registered…
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American express Application status
Hi all Just applied for the American express nectar credit card and didnt get instant decision. It says the following Thank you for applying for the Nectar Credit Card. We do try to give everyone an instant decision on their application, but it's not always possible. Unfortunately we are unable to give you a final decision…
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Closing a Vanquis credit card account
Hi all! I had a Vanquis credit card (first mistake right there!!). I paid off the full balance on the 21st February and called them on the 28th of Feb to permanently close the account. I asked them to calculate any interest owed up to the day I cleared the balance and I would pay that off too. The advisor I spoke to said I…
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M & S 0% 15 Months Purchases
Anyone got one yet? Whats your limit?
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Barclaycard website problems
I have had a problem with the Barclaycard website. When I log on and click on the pending transactions bit it says there's been an error and I've been logged off. Has anyone else had this problem? Is it just a website error or should I be concerned?
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credit card conundrum - any solutions?
I need to get £8400 to pay for a Caravan (the company charges a fee for credit cards around 2-3% i think) and got turned down for the M&S 6.9% loan which would have been ideal. The only issue with my credit score could be that I have lots of cards, but other than that it should be A1 and I got a Virgin Card and Tesco card…
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how to improve credit rating
Hi, my mum has just applied for a Halifax Clarity credit card as she is going on holiday shortly and needs it to pay for purchases. She was rejected and I think it must be due to not having a credit rating. She is a home owner, no mortgage, never had a credit card or loan etc. How can she improve her credit rating quickly…
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What does Settled mean on CreditExpert?
On my credit report, under "Account Information" it says something there for Next Next Directory: Settled This is from January 2010, and if I remember correctly, I think I ordered something from there (and paid it off), then they sent me a statement, and I realized it was credit so i emailed them telling them to cancel…
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Closing a credit card account that has a balance?
Hi all, I have a Barclaycard that has a remaining balance of £x amount. I never use this card and the interest rate is going to increase at the end of the month. If I close the account the interest rate will remain frozen at the current rate. Does closing the account have a negative effect on my credit rating in anyway?…
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Credit card advice (in particular egg)
Hi folks! first time posting here but Ive always kept an eye on this site for great advice over the months. Was wondering if anyone has any advice and information to help me in my current situation.. To sum up, have a few credit cards and have always made regular payments on time..checked my credit rating on experian and…
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Looking for credit card to pay off overdraft.
Hi I need a 0% credit card that I can transfer my overdraft onto. Tried Barclaycard but they only take transfers from other c.cards. Ideally it would be 12 months interest free and don't really mind if there is a small transfer fee. Any advice? Thanks in advance. fluffynit :)
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American Express vs Sainsbury Nectar card
which ones best for nectar points per spend?
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Barclaycard - order of payments?
Hello I have the Barclaycard 18 month 0% BT and 3 month 0% purchases. I have carried out a BT onto this card. I want to make a small purchase using this card say £20. If I were to pay £100 in to the card to cover this purchase would, in 3 months time, interest be applied to the BT amount? Im curious as I want to take…
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Is is possible to live without a CC in 21st century?
I am seriously considering cancelling my two credit cards. I use them for day to day purchases and pay off the full amount every month. But today the convenience of carrying them allowed me to be pressured by family into making a purchase I would not have otherwise done. I have no debts at all aside from my mortgage. I…
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Advice on cheap CC-Loan; Borderline credit history?
Evenin' all, first time on this board.. :o I'm looking for a bit of Credit Card/Cheap Loans advice please, let me see if I can make sense of it.. Right, I'm looking to take out a loan within the next month, £3.5-£4k, over 2.5 to 3 years depending on the exact amount. I'm looking to pay back roughly £150 a month, although I…
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Closing Barclaycard without having to call their Indian call centre
Hi all Can anyone tell me if its possible to close my Barclaycard account without having to go through the Indian call centre?
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IKEA credit card fees
My Partner in Portugal has decided to open an IKEA credit card. I advised her against it, but she is convinced she will get 0% APR. I see on the UK website they advertise the 0% as the "typical" rate of interest. I am trying to find out more about the card itself, because she wants to buy a sofa-bed and pay for it on her…
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Debenhams Mastercard by Santander - Dont bother..
I have read some horror stories about Santander, and I admit I thought they cant be that bad !, well I was wrong !, I am only glad I don't have a current account with them !. My wife applied online and was accepted for the Debenhams MasterCard, said so in the Email confirmations, then weeks later she received a Debenhams…
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Positive balance on credit card, how do I move the money?
Play.com have refunded an item to my Lloyd's credit card so it now has a positive balance of ~£50, how do I transfer this money to my current account?
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Unathorised Charge on my Card?!
I booked a holiday with https://www.onthebeach.co.uk and Im begining to regret it. I'll cut a long story short and just say that out of the blue they have charged my credit card a further £200 for an upgrade a merely enquired about. I simply asked what facilities would be included in the upgrade, didnt hear anything from…
