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Living/Working abroad - Any chance of a credit card?
Hi, I want to get a credit card, basically to improve my credit rating but also to use while travelling. I had a few store cards as an irresponsible teenager which I suspect was damaging, having got into debt with them but eventually paying them off and getting rid of them. I currently have no credit or store cards and no…
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debit card fraud
my wife and i have to admit we have been casual when it came to monitering our account on line , we accept this , but to our horror some scrote has been playing snakes and ladders with our life .let me explain what i mean , thousands of pounds have been used on a internet gambling site over last 2 months , my bank have…
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prepaid mastercard
I have had my Fairfx pre-paid m'card refused repeatedly with Ryanair but had it accepted on line for a different purchase. However, the web-site DID accept payment for a flight using my credit card !!! Has anyone has this experience recently ? I tried to call them up and when I got through, was advised to clear the…
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balance transfer
Hi, I hope someone can help me out? I have an empty Virgin Credit card with a credit limit of £7500, which now has an offer of 0% on balance transfers for the next 12months but not on purchases. I also have a Natwest credit which I transferred money onto in order utilise a 0% balance transfer. I am looking at buying a used…
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I've just asked Next to reduce my credit limit. Have I done the right thing?
Next gave me a credit limit of £3600 and it's been that figure for quite a while now. The most I ever spend on the account is £300. Anyway I sent them an email this morning saying the limit was surplus to requirements and could they reduce it to £500. They have done it already which is good customer service! :D but have I…
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Credit Card - Reclaim Payment
I understand there is new legislation with regards reclaiming money for faulty goods. I purchased some wood flooring last August, it was fitted in October by there fitters, and in January I noticed some faults with the flooring. Since January I have been in contact with the suppliers who seem to be either giving me a merry…
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Will I have a credit score?
I've never had any loans (apart from Student Loan) and have never had a credit card. Mainly because I've always had money and have never needed to borrow any. Does this mean I won't have a credit score? If so, would it be a good idea to get a credit card or overdraft just to build up the credit score?
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Wrongful default
Can anyone help me? Five years ago my credit card was stolen - the fraud was reported, the thief arrested and put in jail and the card was settled by the credit card compay and a new credit card was issued. I still have all the documentation both from Lloyds Fraud Dept and the police. One year after the incident we applied…
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MINT Credit Card - Overpaying on top on DD
Hi I've got a MINT card I've closed down and now have a DD set up to make a fixed payment every month. A couple of times when I've had a bit of extra money I've tried to make payments online but then found that this amount is taken off the DD amount I've set up. As it's not a regular thing I can't really change my DD…
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E-Vanquis Statement
I'm supposed to get my statement on the 12th July and I opted for paper-free billing. I checked E-Vanquis this morning and there's nothing showing for when my payment is due or what the amount should be. Does this appear at the close of business?
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Will i get charged a cash handling fee on Capital One?
I was accepted recently for a Capital One credit card, my first credit card. I'm using it mainly to avoid bank fees this month until my first pay from a new job, and also to build a credit history. One aspect i'm not sure about though is the cash handling fee. I understand that if i was to withdraw cash from a cash machine…
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Does cashback count as a purchase on my credit card?
I have a Hbos credit card. I was wandering if I get cashback after doing my weekly shop if this counts as a purchase or will I get charged silly amounts of interest? At the moment got 12 months interest free on purchases. Thanks
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Coral sea 55203341187523001353146 £465.70
06 Jul CORAL SEA 55203341187523001353146 07 Jul £465.70 This is appearing on my Halifax credit card statement and I don't recognize it at all. Anyone know what it is? I only got this card beginning of June. Spent at several mail order catalogues (Health and Home Shopping, Healthy for Life and Bright-Life) and websites…
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Can I do something about a mark on my Credit Rating?
Hi all, I was wondering if you guys can help as you all seem to share excellent knowledge of things. I have just looked at my credit score and it's not very good, poor infact. When I was 18 I was silly and got myself into quite a lot of debt :( and had a few defaulted accounts but managed to settle them ALL by April 2006,…
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Barclaycard 0% void
Hi All, Can I start by saying we (my wife and I) are idiots. There, no one else can say that now. However, just because we are idiots does not mean Barclaycard are squeaky clean and I'd like your advice on whether we can fight back. Recently applied for their card in order to do a 0% balance transfer which we did in Dec.…
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Informal agreement stays on my credit history for 11 ELEVEN years!
First post! I've managed to get one of my CC's to agree to freeze interest on my a/c, and allow me to pay the outstanding balance over five years. I was paying around £220/month, but with the astronomical interest, the balance was reducing by around £20. Yes, that's right. In fact, some months, the balance went up. Perhaps…
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Incorrect credit rating
Hi, I recently checked my credit rating through Equifax and was alarmed to see that there were a number of issues on there that were nothing to do with me - turns out there is another person with the same name/DOB and somehow all their loans etc are appearing under my name - the major problem is that 2 of these have…
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Credit Card Fraud! HELP!
Guys, I'm wondering if you could help... On Saturday I went to my local travel agent's to book a cruise for 2012. I was running late so told the travel adviser that I would give them my credit card details over the phone to process the deposit and cabin selection charge. This all goes through on the travel agent's end and…
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Partner's low credit rating(cohabiting not married) effecting my credit rating! HELP!
I have spent years getting my credit rating up in preparation for my first purchase of a house. I never ended up buying, as I did a masters instead, and whilst I am starting out in a new career and by no means well off, my personal credit rating should still be high as always pay back my credit card on time every month,…
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Fraudulent Use of Credit Card
Guys, I'm wondering if you could help... On Saturday I went to my local travel agent's to book a cruise for 2012. I was running late so told the travel adviser that I would give them my credit card details over the phone to process the deposit and cabin selection charge. This all goes through on the travel agent's end and…
