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I REALLY dont understand Credit Scores and Credit cards, please help.
Would really appreciate any help - A friend of mine is applying for a mortgage at the moment and got me thinking about credit scores and credit cards. At the moment I have no loans (well except student loan), no credit cards. Just an overdraft (which I am constantly in) and a mobile phone contract. I have moved house 2…
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applied for a mortgage, shall i apply for 0% card?
we have applied for a mortgage recently and it has been accepted in principle. subjects to some documents we should get a formal offer next week. i was thinking of applying for the tesco 0% card. is it a good idea to apply for a credit card so soon after mortgage application? I am in full time permanent employment and…
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Best card for paying car insurance in one lump?
My insurance is 1600 or so and while I do have it in savings I'd rather not tie the cash up. Just wondering what possibilities there are, preferably with a limit big enough and 0% for as long as possible (6 month min) Currently have no CC, never missed any payments, address for 15 years, electoral role for 6, no mortgage…
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Moving home end of next year, any point registering on electoral roll?
Hi All! This is my first post so forgive me for any naivety:doh: I'm a 3rd year student and currently registered on the electoral roll at both my parents home of 9 years(Permanent residence) and my term time address. My term time address has changed each year and this autumn saw me move to my new address but with the…
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Information on credit
I'm 21, with no debts and have never taken out any form of loan etc... I assume, I will therefore have a zero credit rating - as I've never had credit of any kind. Is a zero credit rating a negative when it comes to looking at borrowing money such as a small loan - as there is no proof to lenders of your reliability or…
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Barclaycard initial, sent out card then declined application??
Since I'm in the process of rebuilding my credit rating, I didn't want to push my chances by applying for a Barclaycard, so after looking around I decided to apply for a Barclaycard Initial Visa. I did my application online on the 21st Feb, and an automated response said that my apBplication needed further checks and u…
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Barclaycard initial, sent out card the declined application??
Since I'm in the process of rebuilding my credit rating, I didn't want to push my chances by applying for a Barclaycard, so after looking around I decided to apply for a Barclaycard Initial Visa. I did my application online on the 21st Feb, and an automated response said that my application needed further checks and u…
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Accessing Old Credit Card Details
Hi Does anyone know the easiest way to get credit card account numbers for closed accounts? Many thanks in advance
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Vanquis asking for employer name and address
Hi, apologies if this is a really thick question, but I received an "invitation to apply" for a Vanquis card by post. I filled it in, with basic details and sent it off. Got an email saying to call them to check "further information" - called them and they asked me: Spelling of surname, 1st line of address, DOB, mobile and…
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Paying credit cards
Like most people I have credit cards. Usually, I'll pay the balance off each month, but sometimes I don't if I have made a lot of purchases. So, some of my transactions will have incurred interest and some not. I always pay by post, a cheque along with one of those tear off thingumies from the bottom of the statement. With…
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Balance Transfer Q
Hi all, Bit of a novice! I have £2000 debt on a M&S credit card, the 0% interest free period expires in August. I am looking to transfer the balance to a 0% card such as the new barclaycard offer. Has anyone had any problems doing this? I have a clear tesco clubcard credit card, would applying for a 3rd be frowned upon?!…
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credit card balance written off
Hi Maybe someone could help me I have had a credit card for several years, and have recently been advised by a third party that as the credit card providers have never informed me of an increase in my credit limit that what ever the the balance is, as long as its over £1,000 the balance would be written off, does anyone…
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Balance transfer for my Gran
Hi, my 87 year old gran has a credit card debt of £2,000. This isn't her doing (long story) but she's stuck with it now and the worry is making her ill. I can't afford to pay it off for her, but I thought I could at least try and get her a balance transfer so it's easier for her to manage... the problem is, the ones on the…
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Paid off balance, will quoted min payment still go out?
Hello I have paid off a credit card that had a balance of £3500 on it. The statement came out about 10 days ago and the min payment was 112. This is paid by DD on about the 12th. My question is will they still take this amount? thanks
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Bank refuses to charge back and investigate fraud on my Visa card
How can I make my bank to properly investigate card fraud and refund the amount charged fraudulently? The retailer abused the payment authorisation putting it on hold and telling me that they cancelled the transaction because the holiday I paid for was not available. Then, 3 days later they debited my card and issued a…
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Barclaycard question
Back in 2006 I had some financial problems and entered into a payment arrangement with a number of creditors. Things have since improved and on all of them I am back to normal T&C (ie getting charged interest and paying the normal amounts). Except for Barclaycard. They are still taking reduced amounts despite me requesting…
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Available credit & ratios
I have littlewoods & Very catalogues both with £1600 credit each. Are catalogues regarded in the same catagory as credit cards when it comes to my overall available credit. I say this as I have 4 credit cards wih overall £3900 limit cumulative. My credit utilization on the cards is unfortunetly about 70%. I thought I'd get…
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Thinking about getting a credit card,but which is the best?
Getting married soon so i'm thinking about applying for a credit card but which is the best to go for,i've never had one in my life and its only going to be used if i really needed it to help pay for things.
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Changes to Continuous Authority agreements???
I don't know if anyone can throw any light on this, but I was listening to You & Yours on Radio 4 today whilst driving (so couldn't make notes) but they had a woman on who said that recent changes meant that a card holder could stop a Continuous Payment Authority with their own bank or Credit Card Company if they had…
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MBNA purchases.
I have the MBNA American Express card and have a fairly small BT amount owing on the card. I know you can also use the card for purchases and the repayments goes to towards the dearest debt. However what I did not know until today was if you purchase something say today and do not pay until 3 days later they now charge you…
