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To keep credit or not to keep... that is my question!
Hey guys! Recently, I have kicked my debt's !!!!!! From being £8,000 in debt in August 2011 to now down to £3586.53 (notice I know to the pence!) Sold my car...Sold furniture... now back at parents (at 25, urgh) paying only £200 rent! Saved so much for not having a car (£85 a month insurance, plus petrol etc!!) and have…
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Exchange rates
I often use my credit card when abroad as I usually find the exchange rate preferable compared to buying currency, but something happened with First Direct that I hadn't seen before. My wife's card was incorrectly billed for AU$700 while on vacation, the mistake was noticed and the retailer promised a refund straight away.…
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How to start a chargeback - Nationwide
Hi, I brought something on Ebay and it turned out to be a scam. I have contacted Paypal and they have been less than helpful (they basically want me to return a Yellow piece of paper that I was sent, back to china recorded delivery before they will issue a refund, even though they've acknowledged it was a scam and I've…
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Vanquit Bank Credit Cards - Trusted or not?
Hi folks I've got a some what poor credit rating and am working hard to improve it. I have no CCJ's or anything else quiet so severe and have kept myself on track for improving my credit rating in the last 4/5 year. I understand about using credit cards (kept well in order and cleared at the end of each month if used) to…
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BarclayCard credit card: transfer question
hi, on the website for the Barclaycard platinum i can see: "You transfer a minimum balance of £250 to your Barclaycard Platinum card when you apply online within your application process, or transfer a minimum of £100 to your Barclaycard Platinum card when you call to activate your card. " Does that mean that I would not…
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declined application and inactive credit card question.
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Barclaycard application problem
I'm trying to apply for the Barclaycard Platinum included in the MSE email, using the link provided here on the MSE website. I've entered details, ticked the box and clicked to apply. It came up "please wait 60 seconds" then it asked me for a security word and my email address. Then I clicked continue and it came up "sorry…
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Credit Card Query
Hi there, I signed up to seek advice :) . I'm looking to build credit basically. Could anyone advise one suitable credit card? I'm new to all to all this so help would be much appreciated. Something interest free for a fair period etc..? Such thing? Thanks :) .
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Need to build credit rating, can't get credit card! :(
Hello. Me and my partner are wanting to get a mortgage sometime in the very near future, he has a spotless credit history its just mine. I defaulted on a credit card which is now settled, I have no debts, and have slowly started to build my credit rating back to what it was, but i know the best way to do this is to get a…
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WANTED orange prepaid CC code
hi just reading on hotukdeals that orange where giving out codes for a free prepaid credit card(with £5 on) just wondered if any one had a spare code to get one of these? im not bothered about the credit but just the fre card as im not with orange and dont have debit card. thank you
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Unauthorised Transaction on credit card = fraud. What to do?
Received credit card statement this month, and am surprised to see there's a transaction on there for £89.97 to a company that I don't recognise. First call is to the credit card company to find out who the company that have charged the transaction are. They provided me the details as well as their website address, and…
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What's happened to my EGG card Cashback?
Barclaycard (FAQ's) say: You can continue to earn cashback on your day-to-day spending as you do today. You'll get 1% on the purchases you make up to a maximum of £200 each year. Any existing cashback balance will be transferred to your new Barclaycard account and cashback will continue to be paid in March, as long as…
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Pension release to pay mortgage?
Please could anyone offer advice or experience to help us with this dilemma. We know it's not usually a good idea to take a pension early but: * my husband (age 55) and I are unemployed (despite doing all the right things - e.g. each applying for a job a day for the last six months ... before anyone starts!) * our largest…
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Credit Card PPI
Please could someone kindly explain how I find the information to make PPI complaints. I no longer have any paper work for the credit card companies nor do I know any account numbers to put on letters to request paper work? How do I get round this?
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shocking customer service from Santander - advice required on best action
Hi, I hope that this brilliant forum will be able to help me as I'm currently so cross I could scream!:mad: Apologies for the essay, I have tried to keep it succinct! I applied for a Santander credit card in the summer to take advantage of their great balance transfer rate. All went through fine. However, 2 months later, I…
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Who uses Who Thread
afternoon all cna somebody send me a link to the who use who updated thread pls. i am back to using the mse forum after 20 months!!!!
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Transfering balances Question
Hi, I have two credit cards, one with nothing on it and another with a smallish balance on it. Is it possible to transfer my balance to the empty credit card (which doesn't have a balance transfer offer on it) then transfer it back to the original card after a short period. To take advantage of the 0% balance transfer…
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Paying off credit card debt
Hi All I am currently on a payment plan with three credit cards, with a debt of around £9500 across the three cards. After the death of my dad this year, I am due to come into some money in the new year, not a great amount, but it will be used to pay off debts. Is it worth making an offer to the credit cards as a one off…
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Had my credit limit increased without asking - would this affect my credit score?
I've had a letter from my bank telling me that they have reviewed my account and have decided to increase the credit limit on my credit card. They've done this without asking me but do tell me how to decline it. How does this affect my credit score? Would they have done a credit check on me when reviewing my account? If I…
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Halifax Clarity Cash Withdrawls - impact on credit record?
Hi Guys, Have returned a few weeks ago from a holiday abroad where I used by Halifax Clarity card for cash withdrawls. I'm amazed by the lack of interest charges and fees for the withdrawls, certainly a LOT cheaper than had I used my Nationwide FlexAccount. However, I noticed today on my Credit Expert file that it shows 4x…
