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"Q" on credit report
I've recently requested a credit report and noticed that there is Q payment status for one month on a credit card I formerly had with Santander. I am 99.9% sure this is for the month when they failed to credit a payment I made to the account. It was sorted out eventually and I specifically asked in a complaint that they…
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declare defaulted credit card?...
Hi there! (Apologies for posting this twice but, it is kind of relevant in both fields - credit cards and house renting. If anyone's about to take it down, please leave one post in the most appropriate) :) Anyway, I would like some advice on the following, please: A couple of years ago I requested an original copy of my…
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0% card for doing up 1st house
Hi everyone, just looking for some opinions. Me and my OH are currently in the process of buying our first home. We currently rent an apartment which was unfurnished. If everything goes through okay (fingers crossed), we will need to buy furniture for the new house. We have stuff like microwave,kettle, toaster, tv's, etc.…
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Santander Credit Card Servicing
I know Santander get a bad rap for their customer service levels, but am I the only person to think that their online credit card servicing is the best in the business? It's clear, well laid out, transactions not only appear immediately but you can see who is taking a pending payment and payments in to the account by FP…
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Credit Card Fraud of £5000 - HELP!!
Hi, I moved out of the country from UK in January 2011 and currently living abroad. Recently, I discovered that my UK credit card (Virgin Atlantic American Express) has been misused and cash to the amount of £5000 has been withdrawn in the month of July. All along the credit card was with me and I was not even in UK. I…
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Barclaycard online
Can everyone who use barclaycard online banking log in okay? For the past month I can only log on by resetting my username and password. It's crazy. I keep entering the correct details, it tells me the details are incorrect so I then I reset everything online it then works fine. But if I log in a few days later I get the…
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just want to check I am doing this the best way
My husband and I are looking to go to Mexico in May for 2 weeks Have found a holiday for £2,350 for both of us and just looking at the best way to pay for it. The company charge 2.5% for using a credit card but my thinking is this is better than potentially not being protected should the company go under. so holiday comes…
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do i need to pay the balance on this defaulted credit card?
i was very bad with money while i was at uni, meaning that various overdrafts and credit cards went unpaid, built up with charges, defaulted and eventually got sent to debt collection companies. last year, i managed to get them all paid off, apart from one where lloyds tsb agreed to take £800 instead of £1150 to close the…
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Credit Card Debts
I wonder if someone can help me, I recently got notification from Equifax that they have deleted a debt which I have from my credit report with them, it relates to a credit card I had years ago. They said that they deleted it because it had been 6 years, I have been paying the debt management company for some time, does…
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0% For Purchases
Hi quick question. Barclaycard (or anycard ) , the 0% For Purchases for "X" amount of months , Will i be able to use this for getting work done on my teeth etc ? Or does it mean specific purchases ( i scanned the small print but unsure ) any thoughts ? kind regards. cheers Richard.
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Advice Needed Please...
Hi everyone, I've used this forum plenty of times before but due to some strange goings on I have had to re-register! I'm in a bit of a dilemma, I've just looked at my CC statement and noticed I have a balance of £928 and have been paying the minimum payment or just above the minimum payment of £36. However, looking at the…
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Us zip code cc automated machines
I'm going over to the US and I know that alot of their paypumps and other automated machines it asks for a ZIP code. What should I put when using my normal uk card?
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promotional balance transfer rates
Is there anyway of getting an existing cc company to offer a promotional balance transfer rate? I have a capital one card with no balance and was wondering if maybe i had a positive balance it might trigger an offer? Any one got any advise on this? Thanks
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BC Initial
Hello, I've always had credit cards etc. in my name and we decided we'd try and get her a cc to help improve her own credit history. So we decided she'd use her own card every month and then pay it off in full. We just got her card and it has a £260 credit limit. How long will it be before they raise her limit?
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CapOne Credit Report
I've heard a few people talking about getting free credit reports when they have the CapOne classic card but I can't seem to find that. Is this something they're still doing?
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Closing a credit card account
Hi all Quick question on behalf of my folks (again!) They recently decided to pay off some outstanding loans and credit cards. When my father received his statement last month with from Marbles, it had an account balance on it. He duly paid this in full. This morning he opened the latest statement to see that the balance…
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Paying off my overdraft using a credit card
Hello I have an overdraft of around £900 and £200 on a credit card (at 18% interest!!) I'm sure I have heard of people paying off their overdraft with a credit card and I would like to do that with a 0% card (which I will cut up and pay off before the 0% ends). I'm just wondering how this works? Do I phone my bank and pay…
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Sub Prime/Mainstream Cards - APR's & Limits
I have noticed that a lot of people on here (me included) have asked and still ask about which cards have what APR's and what limits start at and when they get an increase. So I thought it might be helpful to start a thread for this purpose. If you are happy to provide the information it might help others so I will kick it…
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Barclaycard 22 Months Balance Transfer Offer
Hi I am new to this forum, so hope this is in the correct place :-s Last week I applied for a barclaycard, using their 0% balance transfer offer for 22 months. MSE website said if you applied using the link on their site, and transferred less than £3000, you qualify for an Argos Voucher worth £20 (great news, as just in…
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Barclaycard NO CCA
I finally heard back from Barclaycard. They did not send me a true signed agreement under section 78 request. All they sent me was a reconstituted copy which failed to have my name address date of birth, and most importantly no signature. They then send me a copy of terms and conditions. Seeing as they did not give me a…
