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First Credit Card
Just got my first credit card :D It really is tempting just go go out spending, hopefully i wont submit to that. Will be spending about £160 on the card and paying it back almost straight way. My question is.... How long does it take to build up a credit rating?
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Min/Full payment - probably a stupid question
Hi all, I have a Capital One card and elected to pay the full balance off by DD every month. My statement came out on the 13th February with payment by the 10th March. At the statement date the balance was £39.94. I used the card some more and made a one off payment of £50 by debit card towards the end of February. The…
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Best Credit Card For Company Expenses
My company is withdrawing its current company CC scheme and were going back to a Spend then Claim scheme. I am seeking opinions and recommendations for the best CC for this purpose. Some parameters: Monthly Spend ~£5k, Not always cleared, Use in the UK and widely Overseas, needs to be widely accepted (i.e. Visa), prefer…
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Default Interest
Hi Can anyone advise, my wife is repaying a credit card after she defaulted, she pays a fixed amount per month, but the balance hardly goes down as they are adding a lot of interest to the account every month, can they still do this, as I thought they account should be frozen once in default? can I claim back the interset?…
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Visa Fraud how does this happen?
Hi I made a number of online purchases on my ipad last Sunday. All shops i use regularily. I was prompted for verification by visa password. card was stopped and asked to phone Visa which i did and validate these were my transactions. 3 days later a massive fraudulent transaction for £610 for John Lewis direct is processed…
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0% Credit Card - What are my chances of getting anything better?
Hi all :wave: In December, I applied for the 20 month 0% BT card with Halifax, in the hope that I could shift at least some of my outstanding CC balance across. At present, I have two other CCs - Barclaycard - 6243 (6500 limit) - 16.9% APR Natwest - 2568 (2750 limit) I was accepted for the Halifax 0%, but only for a £500…
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MBNA "Annual Income Before Tax"
I'm applying for a Credit Card from MBNA Do I just enter my salary in the "Annual Income Before Tax" box? Or can I include other income I receive? Just curious, because obviously if they call up my employer to verify the figure, it will be lower that I stated if I include all income I receive. Thanks
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'Reusing' credit limit?
Hi, I've got a cash back credit card with a £500 credit limit (I'm young). I tend to spend a few hundred pounds a month and pay it off in full each month but I'm looking at making a larger purchase that would put me over my credit limit. I'm wandering is it possible to pay off my card early in order to allow me to make…
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split balance transfers
Hi all, This might sounds a really stupid question but I want to split my balance transfer - I have £3300 of credit card debt and the newest 0% balance transfer card I have taken out will only allow £2300. Can I transfer the remaining £1000 to another card? I know this sounds stupid but I just wanted to check this was…
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Balance transfer offers from 2 existing cards
Hello I have a Bank of America and Nat West card both of which have around £2/3k on them. Part of each is at 0% and part at standard rate. Both have offered 0% (3% fee) for 12 months. Is it worth transferring the part of each card which isn't 0% to the other and vice versa. It would seem to be worth while...............or…
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Irresponsible credit limit for teenager
My teenage son with a small part-time job was recently given a £3500 credit limit with 0% interest for 18 months, from NatWest. This is over 3 times what he earns in a year! He thought he only had to repay £5 per month and did not understand the concepts at all. I believe this is utterly irresponsible. Does anyone know…
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credit card fraud suspicion
I recently received a phone call from my car insurance company offering me a discount on my next renewal if I renewed the policy a month early. I told them I would think about it and as it was a pretty good deal I rang later that day and renewed the policy. They already had most of my details and I paid by Credit card over…
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vanquis credit card will i get charged anything
i bought 2 things on my credit card, if i pay what i used before the month is up will i have to pay any extra....its my first credit card ever and i don,t know how they work..thanks
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To Keep or Not To Keep?!
I'm no stranger to credit cards and because I now have a prime card, should I ditch the other credit building cards? Would it look favourable on my file? I currently have: Capital One: £157/£200CR Vanquis: £331/£1000CR (BT in place to Barclaycard) I have a Aqua which I'd like to keep hold of as it'll be my main CR card…
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Tesco credit card - recommended?
I have just come to the end of my years 0% with Sainsbury's credit card and am considering Tesco's card. I notice on another thread that people have had problems with Tesco and are taking them to court. Does anyone have experience of having a Tesco card and can I change from Sainsbury's to Tesco? Many thanks. :)
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0% ending in Sept ... what to do to get another one?
Hi lovely MSE'ers :wave: I have a barclaycard 0% balance card which will run out at the end of August (actual date 2nd sept). It will have a balance of approx £3,800 (from original balance of £6,500 :T) I need some advice on what card to get next? I applied for a 0% purchase card with M&S (plan was to pay off a loan but it…
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I won!!
Just to let you know that I took RBS to the Ombudsman and won the case. The RBS had not followed the regulations on consolidating loans. I ended up with a loan and a credit card, to pay of an exsiting credit card. The problem was that I was not given enough credit to pay off the 1st card so ended up paying for 2 credit…
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My Barclaycard.com
Hi guys and gals Quick question, just logged on to Barclaycard to change my passcode and I see that £1.00 is owing yet I havn't even used the card! I thought I'd run it passed you guys to ask if it's anything to be worried about or quiet normal for the Barclaycard Boys! Any thoughts appreciated :p
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Tesco Credit Card Buy Now Pay Later Errors
Hi I purchased a TV in December 2011 on Tesco Direct using my Tesco credit card with BNPL until June 2012. The item has appeared as such on the bills until my March 2012 statement. It appears to have dropped off and been added into the outstanding amount but without showing as a purchase. I have contacted Tesco Credit card…
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HELP - Need a Credit Card i can draw cash off ??
Hi Just checked my cards and it's seems they do not offer the facility, i have the following- Barclaycard World Mastercard/egg card Barclaycard Oyster Onepulse Capital One Master card. Anyone help, need £6500 asap for short period. Cheers
