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vanquis card
got myself one and its helped me build my credit as ive got 2 now! but been looking through my account with the and i pay my DD with them, and noitced that have purchase interest taken off i rang up and asked about it and there said its taken off if i buy items with it? is that correct?
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Applying for a credit card to boost credit rating
I am looking for a credit card purely to boost my credit rating. It is not that I have a poor credit rating, just that I barely have a credit rating at all. I recently got a contract phone so things cant be that bad! Basically I want a card that offers me the best 'extras'. I considered air miles with lloyds however the…
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Scared to apply for credit!
Hello all, Maiden post so here we go ^^. As the title suggests I'm currently rather scared of applying for credit as I fear I won't get accepted and it will just hurt my credit rating. I made some mistakes but now my credit rating has gone up. I have only 1 mark to my name which was a defaulted credit card of £400 back…
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dual credit cards?
hello, i have an old visa natwest card and a mastercard natwest card, that are called a "dual card". the bank keeps telling me there is no difference between them, but i'm not clear on why did they issue me with two different then.no differences are highlighted in the T&Cs. am i missing a trick here, am i better off using…
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Would Old Credit Card Account Boost Credit Score?
I would be grateful for some advice re. my credit reports. I have two credit cards, Egg & Natwest Mastercard, but only one of these appears on 2 out of 3 of my reports. Egg: I was caught in the 2008 avalanche of Egg card cancellations and have recently paid my balance off. I have a perfect payment record and have always…
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Halifax - Strange Phone Call Query
Hello. First post on this forum so apologies if it's been covered elsewhere. I took a call from Halifax today and the agent was basically trying to get me to do a balance transfer, which I didn't want to do as I am trying to offload this card as I have a 6k balance and they are charging me around 25% APR on it. Anyway once…
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Nochex Consumer Xtra Service
Can anyone advise if a payment made using this service will count as a cash withdrawal. The question has been askeed of MBNA but they cannot answer, have given me a number to contact but of course it is 0900- 1700, Mon-Fri. The service offers: 2. The Nochex Service 2.1 The Xtra Service enables You as a consumer to purchase…
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Next directory
Just wanted to warn people about the Next Directory. Had an account with them for many years and always paid very promptly. Credit limit shot up to £3,000. For May and June 2011 they failed to send me a paper statement for some reason. When I rang up to get one the lady from Next apologized and said the statement had…
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Missed Payments to MBNA-withdrawn credit facility
Have missed 4 payments on my credit card and they have 'permanently withdrawn credit facility'. If I pay outstanding payments will I get credit facility restored? And, will they provide new card?
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Halifax Clarity Credit Card
I've been trying for a couple of days off and on to complete application for the Halifax Clarity Card. I keep getting a message to say there is a Service Problem but Halifax is aware of it. Has anyone been having similar problems? Is it worth trying to phone them? Want to use this card abroad so need it shortly! :)
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Additional Card Queries
Hi, I obtained an additional card on my cc account for my boyfriend. Does anyone know if they will have checked his credit rating prior to issuing him with that and if so will this count towards building his credit score as he's never had credit in the UK. thanks :)
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barclaycard
My hisband is coming to the end of his balance transfer deal with barclaycard. When i have looked, Barclaycard have the best balance transfer rate at the moment for us. Would it be possible for me to open a barclaycard and balance transfer? Or can this not be done in different names? (i know it cannot be done in the same…
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From Capital One to ?
Took out Cap One as a starter card as I've never had a credit card before. Looking to upgrade to a "better" card. What would you suggest to progress to? Thanks
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Advice Needed ! - BC 6.9% and Credit Shuffle
Hi All Currently have £1000 on a natwest Plat 0% runs out may 2012 £1000 on a natwest Classic 0% Runs out Aug 2012 £1500 on Barclaycard rund out Oct 11 Basiclly reviewing my finances - i want to see if i can take advantage of a barclaycard 6.9% for life. That way i know all the money owed is in one place and it will be…
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New Barclaycard Simplicity Transfer Problem
I have a new Simplicity card with a £3,000 limit, which advertises 7.9% on balance transfers. I called them earlier and asked to make a BT to a Current Account, and they said I couldn't do that. I asked about transferring to another card, they said "that's fine, what's the card number?" I said I'd have to check and call…
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Pre-Paid Mastercard (recommendations)
Hi Through personal experience......can anyone recommend a good pre-paid card. It will probably be a pay-as-u-go basis. Will only be used a couple of times a year max to book flights (ryanair). Thanks John
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Advice needed on applying for a CC.
I am looking to apply for a 0% on purchases card probably Tesco to fund a £1500 purchase this autumn. I currently have RBS credit limit £3,500 outstanding balance £715 M&S credit limit £3.500 outstanding balance £150 (used for on-line shopping) Any suggestions for ways to improve my chances of success would be appreciated.…
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Insurance refund gone wrong!
I'm getting married next year. We had a venue lined up, paid the deposit on a credit card, but the rest separately. The venue went into liquidation, and they had a limit on how much they could give us back - so we still lost £2500 despite being insured. But someone mentioned that because we paid the deposit on credit card,…
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Lloyds TSB Airmiles Duo Premier Credit Card
I have recently upgraded my current account to Lloyds TSB Premier and have their Advance Credit Card. Do I automatically qualify for their Airmiles Duo Premier Credit Card or do I have to apply?
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Clarity Question
I've been accepted for the Clarity card -- but with a 21.9% APR. Is there any way to get this lowered? Furthermore, I was planning on using this for trips abroad, etc. (i.e. paying in stores, withdrawing cash...). Will I be charged 21.9% on whatever I withdraw, or is there a different rate for that? Thanks.
