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My travel cash currency card
I am having a dilemma as i go away on 11th and have just realised that my fairfx card is the anywhere one which seems to now charge a massive 1.40% plus £1 for any ATM withdrawals in another currency other than its own. so for me going to euro zone it applies. As i have been busy studying i forgot to check out current…
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Prepaid cards
I was wondering if all these cards appeared on your credit file? I have the credit plus one which expires in october and should be settled on my credit file. Do all the other cards operate the same like the daily star one in particular? Cheers Martin
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equifax report
hi i signed up to the free 30 day trial of equifax. it doesn't seem as full as it should be. its got my loan which I finnished paying off last year. my current account, my phone contract, and one of my credit cards. its missing 1 credit card, and a store card. which should be on there? also, I pay car insurance monthly...…
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20 yo Student (debt free) - credit card increase credit rating?
hi. Im actually debt free, and have a full time job during summer and a healthy bank balance. I only spend within my means. However, ive been told by a few of my mates that they have got credit cards which they pay off on time. Their reasoning is to increase credit rating. Is this true? I feel it may be of use to me in…
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section 75 question
hi, i'm about to purchase a sofa set from dfs (i know, i know) & i was going to pay cash (sofe set is £2000). i have the funds available on a credit card & had a light bulb moment regarding section 75. am i correct in saying if i use my cc to pay for it & then pay my card off with the cash if there is anything wrong with…
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In credit but unable to withdraw
Hi All, Hope this is the best fit forum for this post. I deposited some money in a well known UK financial betting website, and now I want to make a withdrawal. The site however are asking me to do a number of things before they will process the withdrawal 'due to anti money laundering regulations' but none of the things…
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Advice on shuffling debt around on my cards
I would really appreciate your input on the below: I have £3k on a Lloyds Mastercard. The limit is £5K. For the past 6 months, I have been paying a reduced rate of interest on this, as I explained to them back in Jan that I was struggling to make inroads into the debt as the interest was so high - at it's highest point,…
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Clarity Card confusion
Hi I'm about to apply for a Halifax Clarity Card as I'm going to be doing a lot of travelling soon, but can someone explain the interest rate on cash withdrawals (I'm a bit confused) Say I withdraw £100 on the 1st of a month and then have a dd to repay the balance on the 1st of the following month, how much interest rate…
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verified by visa error message
A few weeks ago I tried to buy some things from Debenhams website, but got an error message from verified by visa. I phoned both verified by visa and debenhams, and each said it was down to the other site. I have just tried again and it said my details were incorrect, then asking me to change my password. I then got an…
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Credit Check
Hi, I am in the process of buying a house however I can't get a mortgage for the house I want as I had money outstanding on my two credit cards. I managed to pay them both off on the 30th June so it should free up extra credit. On my credit check it still shows me as owing the money to both both Virgin and Halifax. I have…
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Clarity reward card, using ATM abroad question
I need some advice about the timing of cash withdrawals abroad. I am going away on the 30th Aug for two weeks, the statement date is the 5th of Sept I have set up a DD to pay off in full each month which will be the 26th Sept I shall need approx 500 euros for hotel and 700 euros for spending money, should I withdraw as…
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Increased credit limit
Nationwide sent me a letter putting up my limit by £1000. When logging in to accept it revealed I could in fact increase by £2000. Woohoo - moved a more expensive balance to that straight away :D
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Turned down for a credit card
I am going to France for 2 weeks and decided to follow Martin's advice and get a Halifax Clarity Credit Card. I applied on line and was, rather surprisingly, turned down. So, for the first time ever, I decided to check my Credit Rating (using the Agency that Halifax said they used) and found my score is 999 (out of 999)…
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Can I use Tax Credits etc. as part of my income when applying for Virgin Card?
I'm about to apply for a CC, and after browsing on here I think I'm going to apply for the Virgin card, as I have just under 1k to transfer from an Opus card, plus I want to make a purchase shortly, so the 0% on purchases and BTs will be ideal. I'll be able to pay this all off before the 0% deal ends too. When I apply and…
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Cheap borrowing returns?
This morning American Express reduced APR to 2.99% for a whole year (from 1st Aug 2011-1st Aug 2012) on its Platinum credit card (with cash back).
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Credit Debt Sold to Collect Direct - with Default
Hi All, I had a CC with Egg which due to late payments was then sold to Collect Direct. When I last looked at my Credit File it was showing the Default with Egg. Since then I have been paying regularly with Collect Direct and wondered how long the default stays on for - and if it will only be removed once I have completed…
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Switching CC's with MBNA
I have had a CC with MBNA since August 2008, I have used it every month and paid it off in full every month. When I opened the CC I had just finished as a full time student and had just opened a DD with Alliance and Leicester who I originally got the CC from. I have now been with them for almost 3 years and I am looking at…
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Nice little earner for HSBC
My husband tried to pay the full balance on his credit card using a debit card over the telephone - 'oh, we can't accept a debit card unless you are in arrears...'. The alternative is to send a cheque, guesstimating the exact amount and incurring a few more days interest for HSBC. How can they refuse to accept payment and…
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How long until you can be a new customer?
Hi Does anyone know how long after closing my Natwest credit card I can then become a 'new' customer? Thanks Nicola
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Pre-Paid Mastercard
I read on here somewhere last week about the Lebara Money Pre-Paid Mastercard. I have a set of these and used a code to get half price of £7.45 which was MAGT004 and I find them very good value. I know it was mentioned on here about the free withdrawals and yes the two free ones were running but I was sent a text from them…
