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Vanquis charges
Okay, I have trawled the net for some kind of info on this and have found a bit but nothing that really related to my problem. I have a vanquis card (a mistake I now know) with a credit limit of 500. I was in credit and haven't gone over the limit since having it - which is about 2-3 months now. I checked online after my…
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Credit denied
Hi All, Quick question... Just applied for both the m&s and tescos cards only to be rejected (feeling wounded). I currently have zero debt apart from a small balance (£100-£200) I tend to run on an old HSBC card. I also have a Virgin card I rearly use. My income is well above there minimums and my credit histories all seem…
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Advise for any with multiple Virgin 0% Rates
I've previously posted that I had had confirmation from Virgin on several occasions that if you have several 0% promotional rates they will allocate payment to that which ends first. However, having paid £2000 3 days before my statement date to cover the ending of one of mt promotions I was surprised to find an estimated…
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Contactless
Does anyone know if any card provider can supply a card without the contactless payment facility? I know you can get some debit cards without this (eg Lloydstsb) but it seems most credit card providers don't give you an option.
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time for a new credit card
My 0% with Virgin finishes at the end of this month so I need to apply for another card with a good 0% balance transfer offer. I have previously had a card with Lloyds and I *think* I had one from Santander which I never actually used. I understand some cards are from the same groups? Can anyone advise me on where to go…
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American Express dollar and euro card UK
hi all, was wondering if anyone can help me by explaining the benefits of the us and euro cards offered by amex. What is the crieria for getting this card and what are the fees involved if any? Im a student that wants to keep my us dollars and euros on a card instead of cash so that when i go abroad i can spend using the…
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spending in America
heading off to america can someone tell me the best credit card, also what is the best bank account to have also
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car contract hire dilema
i have paid a £1,000 deposit for a new car, but have not signed any paperwork with my local bmw dealer. the car is on a four year contract hire. i want to cancel my order,where do i stand legally and how do i get my deposit back in full???
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MBNA Visa cashback credit card
Hey guys, I'm tempted to get the MBNA Visa cashback credit card as listed on MoneySavingExpert (1.25% back in supermarkets and 0.5% elsewhere). How does cashback work? Do I accept it when a shop asks me if I'd like cashback or is it automatically applied regardless because it's a cashback card? Also, how do I get this…
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Accepted for Barclaycard Platinum !!
I only have a 'fair' credit rating with CreditExpert (high balances but no late payments etc) my salary is quite low@16k. I've applied for a BT 1000 to my amazement I was accepted! 20 months interest free :j Having been stuck with HSBC Card 6k maxed :eek: and them putting up their interest rate constantly (currently 21.9%)…
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M&s security breach!
Got this e-mail from M&S today: We have been informed by Epsilon, a company we use to send emails to our customers, that some M&S customer email addresses have been accessed without authorisation. We would like to reassure you that the only information that may have been accessed is your name and email address. No other…
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How long after applying for Sainsburys C/C?
I've not long been into the whole C/C & stoozing game, so things are still pretty new to me. I had a Tesco card, which all went well. I have an AA card, which all went well. Both of these are very close to their limit now. ** I should point out here, i have enough funds to pay these both off & more before their 0% offer…
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minimum repayments calculator
hi guys i have credit card debt of £600000 i know!! i just used martin's minimum repayments calculator and i was wondering if i was reading it correctly i inputed 60000 with a fixed payment of £2000 a month and it said i could repay my cards in 3 years 5 months , im taking it that the £2000 a month includes any repayments…
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barclaycard 3 forms of ID
Have applied for a barclaycard and they sent me a letter asking for 3 forms of ID. Ive got a credit card statement and a council tax bill. But all other bills are either in my OH name, or we get e-bills. Do you think i can send a Shop Direct bill? Its credit, but not a credit card!
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Credit Card, Debt Advice!
Hi All, First post here so please go easy on me, I received a lovely letter today from my credit card company (its my fault and i know it) It was a Default Notice Letter. They have advised me, that I need to pay £900 within the next 8 days (bit short notice if you ask me and the letter was dated 01/04/2011 and only arrived…
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External damage to house outside 10 year guarantee
I bought a house 6 years ago that was built in 2000. Recently there has been an issue with the external wall of the gable end. The frost has got in behind the pebbledash on one side of the house and broken away revealing a very thin scratch coat and a large part of the pebbledash broken away. We are not covered on home…
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Clarity reward card refused
I applied for a Clarity reward card in the Halifax office, my application didn't go through as the computer crashed, so the advisor applied again and it asked for identity so she photocopied my driving licence and the second time it went through Received a letter yesterday turning me down. I didn't have the correct number…
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Balance transfer question...
Having been invited by a letter guaranteeing me a Barclaycard Platinum?? One of the questions on the response form related to balance transfer... I would like to know if..... You are more likely to get a higher credit limit by ticking you WILL be having a balance transfer ?? Or more likely to get a higher limit without a…
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Upgrading old HSBC to Premier, credit rating issues?
I've had Premier appear under my HSBC online banking offers for some time, and now they have written personally inviting me to apply for it, but this time offering 6 months free trial without having to meet usual qualifying criteria. So they sound keen, and it would have valuable perks, but I am concerned about credit…
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What offer from Barlcayscard to Egg's customer
After reading this, I am stopping using my Egg card till I know what card will be offered from Barlcayscard http://www.egg.com/visitor/0,,3_120293--View_2605,00.html Anyone have any idea?
