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Signing the electoral roll in a rented property
Hey everyone, I have a question and I have really struggled to find an answer for it. I'm posting it in this forum because it mostly relates to my credit files association to my current address / electoral roll signing. My wife, daughter and I live in a rented property. We have been here for five months so far and we…
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How do I retrieve old credit card details
Hi, I'm new to the forums but have been following for a while. I'm looking for a bit of advice if someone can help please? I had two credit cards with Vanquis, one was settled it 2007 and the other in 2008. From what I believe I had PPI added to these without my knowledge that I would like to claim back. I wrote to Vanquis…
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is using overdraft good to improve credit rating?
Hi, don't know if this is the right place, but I think that's the better place to ask this question. I've got a £260 interest free overdraft on my account. I never used it. I read somewhere that using overdraft (and repaying it quickly, of course) it's a good strategy to improve your credit rating. Is that actually true? I…
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Barclaycard Pre-Application Checker
I was looking for some help, I just tried to Barclaycard pre application checker and got the message on screen saying ‘It's mixed news - You're not currently eligible to apply for a Barclaycard but there may be alternative products with other providers’ But the email I received says ‘The results of your pre-application…
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Which banks/building societies issue Visa Electron cards?
Morning all. I am looking for a Visa Electron cards, primarily to avoid the rip off charges of Easyjet and Ryanair. If you know your bank issues a Visa Electron card, could you post below, including any fees they charge or any offers. I know Santander have recently stopped issuing them. Many thanks.
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Direct Debits and EOL v 0% Introductory CCs
A few quick questions if anyone is able to help I appreciate it: If you decide to pay your credit card by standing order instead of direct debit, do you lose any introductory or promotional rates on balance transfers on your 0% deals or low rate end of life (EOL) deals? Are there many credit card companys that still offer…
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CC interest tied to base rate - bankers win/win
As noted by a recent RAND(Squawk) blog posting we see that Lloyds Bank Platinum CC has announced that their Credit card interest rate will be tied to the Bank of England base rate. This is a bankers win/win for the following reasons: * CC interest rates never went down when rates went down. * The BOE Base rate is as low as…
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Do I need to repay deceased husbands unsecured credit cards?
My husband passed away in August and I am finalising the estate now the grant of probate has been issued. He has about £5,000 worth of credit card debts. All are held in his sole name and are not secured on the house. None held any insurance. Now, there was life insurance to repay the mortgage and a little extra but I have…
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Experian score reduced by 342 in less than a month?!
Hi all Forgive me if this is a topic that has already been discussed at length but I logged into Experian this morning & my previous score of 861 (fair) has been reduced to 519 (very poor). Don't really understand why, I have made one application for an Aqua card - which has been accepted & one for Capital One Classic -…
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Barclaycard credit limit changed?
I have a Barclaycard Gold, initially my credit limit £2000. Maxed out for the past few months (Or very close to being maxed out anyway) however looking to clear the balance off bit by bit now as I'm tackling my debt. Anyway the last time I spent on it was 7th October 2011 for a small purchase at the supermarket, a minimum…
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Does a late payment by 3 days affect your credit history?
Hi, I paid my credit card dues on the date it was due. There was a systems issue at the branch and I had to pay again after a couple of days. The bank has agreed to revert back the late payment and interest charges once the new statement has been generated. However, I’m quite concerned about the effect that it might have…
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PEP to ISA
I have a Single Company Pep from the pre ISA days. At present the Admin fees are more than dividends received. Can this be move to a present day shares ISA and retain the tax free status
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Rejected. Then 2 Barclaycard Platinum BT 0%?
Hi, Just wanted your opinion on what to do. Here's my personal situation: 2007 Relocated to UK. Opened healthy c/a and s/a w/ Barclays. 08/2008 Received pre-approved Barclays Platinum. Applied. Rejected due to no credit history. 3Y3M living at same address & banking w/ Barclays. Tenant. No kids. No loans. No mortgages. No…
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balance transfer advice needed please
Have an outstanding balance of £1500 on a Virgin CC until May 2012 (£5000 limit on card) – I will be able to clear this O/S balance by then. Virgin are now offering me a new promotion on my existing account of 0% on BT until Oct-12 (+2.98% fee) if processed before 30th Nov. I have a Barclaycard with a balance of £1200 on…
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Easy and reliable prepaid credit card.
Which card would you choose if you were looking for: Prepaid. UK use only. No need for overdraw/credit. Predominantly used for payment to companies you have not dealt with yet. MUST HAVE an easy refund policy with purchases that are not as described/not fit for purpose/not delivered at all. Balance on the card rarely under…
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Vanquis - Allocation of payments??
Hi all Would anyone be able to clear this up for me as i have found conflicting information online regarding the answer? When paying off my Vanquis credit card, are the repayments allocated first to the debts with the highest or lowest interest rates? See following, both obtained from Vanquis website: Where your repayment…
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Barclaycard signing in problems
Has anyone else had problems logging into their account online? I get to the first screen then i just keep getting error message.
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Quick Credit Card
Is it possible to pick up a card today/tomorrow from a high street bank? I am intending to buy a cheap car and pay back in the next 3 months so lots of cards will be suitable.
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Card protection?
Hi On the radio the other day, discussing which insurances were necessary and which weren't, Martin mentioned that there was something on the site which you could use to protect your credit and other cards. I imagine it's a bit like Sentinel. But I can't find it, can anyone help? Thanks Lynne
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Whats This Mean Please ?
BILLED DEFERRED FINANCE CHARGES ? Shows on a C1 Statement .
