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Credit scoring, experian & cancelling memberships?
I recently applied for a M&S card & got told today i've been refused. It said i can check with Experian as to my details, so i did on a trial membership as it's free. So i figure i'll cancel once i've seen my score. I got 886 & it says only 29% of people can beat this - yet i've been refused. The problem though, is that i…
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Alaskan Cruise 2012 - Paying On Board
Good afternoon all My husband and I are looking forward to a very special holiday next year to celebrate our Silver Wedding Anniversary. We have never been on a cruise before :-) We fly from London to Seattle and then sail up the Inside Passage of Canada to Alaska and then we are spending another couple of days in Seattle…
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Worth pursuing?
I wondered if you could advise whether this is worth pursuing. Background: I have recently taken out a MBNA 0% credit card. A monthly payment was due on the 11th June (Sat). I paid on the 8th (Wed) June at 6.00pm via their online site and with a debit card. They are saying that the payment did not go onto the account until…
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M & S 0% Card Purchasing TCHQs
Hi Guys, Am I right in thinking if I buy Sterling Travellors CHQs from M and S using my card, I will get them at the 0% for 15 Months and just pay the 1% fee for sterling travel money? I am going to pay it into my First Direct Account...will they charge also? Cheers for any advice guys Omar
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Don't quite understand what credit cards are
Excuse my ignorance. I've applied for, and have been approved for a credit card... Santander Zero Credit Card. Haven't received it yet. I am unsure about some of the terms. I know 'credit limit' means the amount I am allowed to go into the red... is that right? In the accompanying letter, it says "(after activating) you…
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Credit card - interest free period
Hi I got my first credit card in March with an Introductory Annual Rate of 0% for 13 months on purchases. However, later on in the summary box it states that the interest free period is a maximum of 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on…
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Overdraft application gone bad
Hi guys I recently applied for a Natwest current account with an overdraft through their online aplication system and they ran a credit search on me then. Then i received a pack asking me to go in brach or post them my identification documents. So i took in my passport to their branch to get it verified. Only a couple of…
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Failed to apply a 0% credit card
I recently try to apply a 0% interest credit from NatWest bank, but my application failed, I thought that might caused by the reson I have already have 2 credit card, and have £6000 to be paid.SO how can I tell my credit repot is not bad?
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BA Amex Card Fee TCF
Amex have written to say they are doing away with the companion card fee of 30 pounds on my BA platinum plus card from Sept. Only thing is that I paid an annual fee in May which they are no part refunding in Sept inorder to charge me 150 pounds. I get their right to change the fee l, but surely they cannot do it mid term.…
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Should I keep or close four credit cards?
Hi Until recently, I had balances on four cards: - American Express - Creation Finance - Tesco - LloydsTSB I've recently moved all balances onto a Barclaycard with 0% transfer for a -very- long time! The limits on the four empty cards are: 2500, 5500, 4000, 8000 - total £20k The new Barclaycard has a limit of £17,700 and…
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FairFX disapointment
Yesterday I got a mail saying there was a great sale on at FairFX and there would be a good deal on transactions above 200UKP when loading dollars or euros, better than that quoted on their web page. So off I went and put 900$ on my card.....the rate I got was 1.5699 compared to 1.5645 quoted on their site......so that was…
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Vanquis hiding interest rates
For my sins I have a vanquis card that I opened about 5 years ago. I no longer use the card and make payments over and above the minimum as often as possible. I've just checked my online statement and I noticed they no longer display the interest rates. I've just called to ask why and was told they've 'changed the system',…
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Non card transfers
Hi, I'm looking to transfer a hire purchase debt (never again!) to another lower rate loan or credit card, but there does not seem to be a means to do this, other than taking out a fresh new loan at a lower rate. Barclaycard won't do it and I was wondering if anyone else has been able to transfer to a credit card or has…
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Ridculous Credit Card Charges / Debt collection involved - HELP!!!
My partner had a credit card in 2003 that he thought he'd paid off, they have contact information down for his parents address (they moved shortly after this period), he has since lived at four different addresses (we've given forwarding addresses to all) but had no contact about the debt. We've recently been contacted by…
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0% Tesco Credit Card
Hi guys, I took out my 0% Tesco CC in December 2010 with 13 months interest free on purchases. This gives me until January 2012 to pay off! I have a debt on there of just under £1800. I save at least £100 per month and a max of £170 per month - depending on the month is what I save. I also have the minimum payment on D/D…
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money taking out twice ( help)
been on holiday as a family to spain and three people out of the group have had credit card transactions out twice when using pdq machines banks have said we have to phone spain because it was a single transaction taking out twice and its at there end not the banks this has happened in 1 area who is responsible as for…
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Barclaycard; Am I clutching at straws?
Hello All, Roughly 8 years ago, my wife and I opened a bank account at Barclays. At the time of entering the details, the teller asked us three or four times if we wanted a barclaycard, to which we declined. She then persuded us to take the card and cancel it when it arrived. Obviously we didn't as we had just moved home…
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help Im £30k in debt
Hi all A family friend has run up aprox £30,000 in credit card bills on 2 seperate cards and has been in denial about it keeping it secret from his family and has asked me for advise I have arranged an appointment with the CAB but I wondered if anyone could offer any advise on the best way of dealing with it. The person is…
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Emergency credit card
My daughter is off to Kenya in a months time for some volunteering work. She's just left university and doesn't expect to have a full time job until she returns after her African adventure. We want her to have a credit card for emergencies while she's abroad (she's very sensible and we know she won't misuse it). Are there…
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Tesco credit card Paypal gift
Good evening - I applied for and received a Tesco credit card on 0% for 15 months, with the intention of furnishing a newly converted room with it. Most of the purchases are from brick and mortar shops, however one is via an online forum. The method of payment for this is Paypal gift, for £130. Would this class as a…
