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i have closed my tesco cc
I want to apply for a new credit card to transfer a balance. My tesco credit card had a zero balance and so i closed it to improve my chances of being accepted for a new one. I rang today and she told me it was now closed but i have a months grace if i changed my mind. I wonder how long do you think before the closure…
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Balance Transfer Problems
Hi I have just done a balance transfer converting 2 of my cards into one however the one transfer has gone thorugh but the other hasn't. Should they have gone through at the same time or are there different timescales on different providors receiving the funds. The new card is with the halifax and the two card that the…
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ppi reclaim
im getting quite confused with claiming back the ppi. its not the same as doing the charges claim is it? so far, ive cancelled my insurance, and request a break down of my account. after receiving this i noticed i opted out of the insurance when i first signed up to my credit card and have also calculated exactly what im…
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Nationwide Platinum CC
Hi All, Newbie here! I was 'upgraded' (their words, not mine) from a NW Gold CC to a NW Platinum CC last month without them asking me, I may add. Anyway, it turns out that the minimum monthly payment [for all customers] that can be made has changed from 3% or £5 (whichever is the greater) to a whopping 1% or £25, whichever…
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Paid research via the mobile
Does anyone know any good survery sites that have apps you can download and use on your phone? i'm useless at checking emails but the phone is always on me!
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barclaycard application referred - shall I call?
Hi, last weekend I applied for a Barclaycard Platinum. Though I've been only for 1 year in the UK, I've got a good credit report (3 credit lines: overdraft with my bank - barclays, vodafone contract and capital one basic credit card - everything paid on time ever). I got declined once in the past, this time my application…
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Barclaycard queries
Hi there, I just got my Barclaycard today (22 months 0% for 2.9% + £40 refund). Really couldn't believe they gave me a whooping £9600 credit limit! (but with a higher interest rate of 19.9%). I have a few queries: a. In everything that I received, it seems to say 3.2% fee (instead of 2.9%), and no mention of £40. Is that…
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Capital One & Vanquis
Had both these cards for few years due to bad credit ratings, neither actually improved that and i still cant get a decent card thats not high interest, anyway , managed both these well, didnt have much on either, always paid them off, but recently my financial situation had declined severely, taking my income right down,…
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HFO Services claiming on wrong account number
Hi there, been lurking on here for a while, but my first post. Really hope someone can help me with this. In June, I received a letter from HFO Services stating that I owe money on account X and due for immediate repayment. I responded with a template CCA letter and a Subject Access Request letter to Barclaycard. In…
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HELP!!! - Nationwide have ruined me this month through THEIR ERROR!
OK, so I made a payment of £600. I get a letter from my bank saying they cannot pay my standing order this month (my house rent) as I have "insufficient funds" and they are charging me £8. This is totally untrue. I look online and see I had £1,500 IN THE ACCOUNT. I call Barclays to see what is going on and they say…
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Best money transfer card?
Hi peeps my missus is after a money transfer card on 0% to fund part of a car purchase. The only one i can find so far is a virgin one. Does anyone know any other decent cards to do this with? She currently has a Barclays Plat but unfortunately only balance transfers are available on the 0% deal. Would it be possible as a…
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Santander Zero v Fair FX
I shall be going on holiday in a few weeks and will be spending circa £500. I have both a Fair FX card and a Santander Zero card. The Fair FX charges 1.4% of the transaction and an additional £1 for ATM transactions. My Santander card is APR 29.9% cash. Which would be the best to use to reduce the amount it will cost in…
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Which 1st - Mortgage or Credit Card?
I'd like to get a mortgage (around 90%), but need to borrow the 10% deposit. I'm hoping to get a credit card to pay this 10%. Which should I do first... Apply for the Mortgage or apply for the Credit Card? I'm guessing if you already have one, it effects the outcome of the other. Thanks :o
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Balance transfer card as my first credit card
Hi, I'm fairly new to the whole debt/credit card thing, and I'm looking to get a 0% balance transfer credit card but as I've never had one before, would they approve me for one? The reason I'm after a balance transfer is because a family member has a £800 debt on a card with 19.9% APR I've agreed to help them clear. My…
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MBNA Credit Card
Well my mother has just applied for a MBNA Credit Card, she went through the application and it said congrations you have been accepted your credit limit is £ Then nothing, it didnt say anything else, apart from you will get your card within 7 - 10 days we will email you a copy of blah blah blah, well still no email or…
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Credit Expert
Has anyone seen the new Credit Expert? They've totally changed the way they calculate their score and the way they advise you what is good and bad about it. For example, and much more helpfully than before, Credit Expert states that my OH's credit file is: Good - because "Your borrowing on revolving credit has reduced over…
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Capital One - Spot on service!
Thought I would post this, as it is a positive for once:D! I went to make an online purchase today, I gave them my card details with the wrong expiry date, so the site I was using rang me to say payment had been declined:eek:. We sorted out my mistake with the expiry date and I thought that was that. Anyway next thing I…
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Playstation network account hacked
Please be gentle this is my first thread On Saturday I noticed 3 £5 debits have been taken from Sony through my bank account. It wasn't something I have purchased so I rang playstation who advised me a to remove card details as they store automatically change my password etc and they would look into it. On Monday 6 more…
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Lost money on credit card refund
I recently hired a car in spain and because I purchased a seperate excess waiver policy I was asked to pay a deposit in case of any damage on return plus a deposit for fuel as it was supplied full. All in it was 383 euros. I returned the car without damage and full of fuel so a few days after getting home I checked my CC…
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Massive confusion regarding credit ratings/reports. Help needed!
I am in desperate need of any help or information regarding my current dilemma. I’ll try and condenses this as much as possible without waffling on. Me and my wife are consistent and on time payers for all our financial obligations. I recently applied for a contract phone only to be declined. I was puzzled at this as I…