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Important Changes to your Virgin Credit & condotions
Happily I just managed to get a loan to shut Richard Branson and his 30% + merchants down in favour of a mere 12% over five years but when I was trying to find my account number to give to my bank to pay the Branson f***** off I found a small discreet insert in my last Virgin Credit Card statement which appears to be AGAIN…
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Barclaycard contactless credit card dilemma
Hi all I'm in abit of a dilemma at present. Received my new Barclaycard which happens to be one of the contactless ones. I have some big concerns about the security of these cards & have seen numerous reports of how easy it is to read them to be later used for fraudulent transactions. I also have concerns that with…
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one off student purchase
Hi I need to make 1 purchase of around 600 pounds this month and can pay it back just over a month later in full i was wondering if it was best to get a student credit card? what does anyone think is there anyway of borrowing the money either free or cheaply? thanks
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Balance Transfers
Hi, Just a quick question, my credit rating isn't very good, I'm paying off my cards and working at getting more and more green ticks. I have several (3) credit cards, that I've paid off that I haven't cancelled because i thought it would be better to get a green tick each month rather than it be settled with only 16…
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Should I close my CC accounts?
I currently have 5 credit cards, but only have balances on 2 of these. Looking to get a mortgage next year, will it benefit me (and my credit score) to close the CC accounts I dont use? Egg - £4500 limit - £0 balance Virgin - £1500 limit - £0 balance Post Office - £1000 limit - £0 balance Tesco - £950 limit - £850 balance…
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Why I have been rejected.
I applied 2 credit cards this month and got rejected with both. Don't know what is wrong - I have one credit card with hsbc which I use and pay on time and never missed any payment from last 1 year. Never applied anything else from last 1 year. I applied with Halifax and barclay card. My earnings are 27 k a year and got 2…
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Very bad experience and service with Santander - Beware!
About 2 years ago I opened a Debenhams credit card and all was fine until it was taken over by Santander. In January 2010 I closed my Santander credit card on a zero balance and thought nothing more of it.....until..... In December 2010 I recieved a statement in the post. It was a statement from my Santander credit card…
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Barclaycard Customer Advisors on e-amil
I signed up for a CC on 0% 13 months and 1.9% handling. When I processed ny first balance transfer the only option on site was 2.5% handling and 6.9% life of balance. I considered that this was the general rate. I have e-mailed 3 times and each time I get the rather unhelpful reply telling me what I have already told them.…
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is this normal
I applied for a post office credit card to do a balance transfer from my Halifax card on Wendesday. Friday I recieved my pin, and I see from checking my Halifax the balance has been paid off. Is this normal before i recieve my credit agreement and card.
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purchase made on tesco mastercard
Hi , iam looking for some advice please on a transaction i made on 09/01/09 using my tesco mastercard I paid a company the sum of £632.50 for preperation of legal papers etc who failed to provide with these documents and i have tried to contact the company in question and has no success , telephone number doesnt work and…
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paypal credit card
Hi I wanted to know if this card is still available as I see sometimes links on ebay to this and then on some days the link is not there? Cheers
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Lloyds TSB Backup card ... a warning
I went into my local TSB on Friday to deposit a cheque and was asked to see the salesman (that is the only way i can describe him) to review my account. I thought why not see what he has to say. He talked to me about if my debit card was faulty and said I would be better having a 'backup card' as it would save any…
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finance acceptance and credit file confusion!!
Hi, not really sure if posting this in right place but hope someone can help. Am a first time buyer, have been accepted for mortgage etc, everything underway with regards to that. Have a good credit rating, no debts, no missed payments. Have been to buy some furniture tonight and was going to do it over 3 years 0% finance.…
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Been 'guaranteed' a Santander Credit Card. My account has been at £10 for 2 years!
I'm really quite shocked by this. I have a Santander current account at an address which is not my full home address anymore (situation regarding living with different parents)(I'm on the electoral roll at another address) and I've been offered a 'guaranteed' credit card from Santander. I'm 18 and a half years old and the…
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Credit file amendment?
Hi guys, hope this is in the right forum and somebody can help... I was discharged from bankruptcy in Feb 2009, and im just slowly finishing clearing up my credit files... I have written to halifax to ask them to remove some incorrect late payment markers for which they had marked on several months.. ( i know it sounds…
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Can anyone offer some advice?
Hi, I have an Amazon credit card (Halifax) which I have had for about five years, I originally let my son use this one and he ran up a few thousand pounds worth of debt until he moved away three years ago. I have always paid this off on minimum payment until last year when the debt was down to about £7k when I transferred…
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charged for booking I didn't make - what to do
I shall be speaking to my bank tomorrow but I wondered if anyone had any advice on the best course of action to take. I attempted to make a booking last night with Holiday Extras for a one night hotel stay and a weeks parking through Thompson with arrival on 14th March. I got as far as the payment screen and filled in my…
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Barclaycard - Paying Off The Cheapest Debt First??
I was under the impression that following a recent FSA ruling, that credit card companies could not make you pay off the lowest interest debt first, while continuing to accrue a large amount of interest with a high interest debt on the same account - is that not correct? Both I and my partner have recently got Barclaycard…
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bank admits blunder - advice needed
a year ago i requested that my bank transfer £300 to my savings account from my current account. but they made an error and transfered this money to my credit card account on which I had no outstanding balance. Since then, they agreed to making the blunder and assured me that they would refund the money to its original…
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Can they do this?
Can a credit card company change my statement/payment due dates without telling me? Should they even change the dates at all? :( I have a credit card for using online/emergencies and I pay it off in full every month. The statement date was 24th and payment to be received after 18th of following month. I always pay it off…
