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999 credit score WOW
Really pleased I found out about experian(credit expert) just found out I can get any credit card by an option on there called lower my bills and I have a credit score off 999 the highest you can get:j Obviously them giving me the highest possible score it means I will be accepted anywhere, so does anyone know what the…
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Previous Credit Cards
Hi, I am just bout to get started on the old PPI claims, however I've had a number of credit cards but am not sure who all the credit cards with :o Would a credit report show these over the last 10-15 years? If not is there a way of obtaining these details? thanks
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Balance transfers
Hello, I'm new to all this balance transfer and credit cards. Anyways, my interest free period is over, so Im looking to do a balance transfer, but I really don't know how to go about it. Do I just go into, say, the post office and ask for one of there c/card and tell them that I want to do a balance transfer and they…
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debt left behind.
Hello, I am new to this site and would like some info about credit card debt thats left behind after we moved out the country....!!!! Me and my family have moved out of the country and starting a new life abroad. We have some debt on a couple of cards mounting to £5000 and a small bank loan with an outstanding amout of…
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Creadit card foreign transaction fees
I'm confused as to how they should appear on my statement. I have a Natwest World Mastercard and there is no mention of the 2.75% fee on my statement for the items I paid for in the USA.
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Stoozing - Tesco Clubcard credit card
Hi All, I'm new to this game, so please bare with me. I have recently applied for the above Tesco credit card with the aim of using it to stooze. I get 15 months 0% on payments. Does this actually mean I could purchase something on day 1 and not get charged any interest at all until 15 months later? Or will they sneakily…
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Santander - balance transfer and overdraft?
Hi all, I currently have a small overdraft with Santander - and want to chip away at it and clear it within the next few months. Problem is Santander only accept reductions of £50 at a time (with a £20 charge for using the overdraft each month from next month....). I can't realistically afford £70 a month towards chipping…
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Turned down for credit card, A+ rating, complained, now what?
Hi everyone I applied for a Halifax Clarity card principally as I am going on a big trip abroad soon and wanted to use this for my cash withdrawals/spends. It is the recommended travel card on this site. I was turned down. I called Halifax who said that they would explain why - and put me through to an automated message…
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Nectar Credit Card owners?
Hi all, haven't been on here in a lonnggg while, anyhoo I got a Nectar CC about this time last month and have been using (and paying off) ever since. The Amex website is saying they've transferred 220 points to my Nectar account but they're not showing up in there :S So does anyone know how long it takes for the points to…
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New Aqua Credit Card Interest Rates Letter
I recieved a letter today from Aqua stating that my rates are increasing. Purchases - Current = 35.95%, New = 44.95% Balance Transfers - Current = 32.95%, New = 44.95% Cash advances - Current = 39.95%, New = 49.92% Credit card cheques - Current = 35.95%, New = 44.94% Their reasoning behind the interest rates hike was…
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Confused - protected by section 75?
I'm a little confused. Hopefully, somebody here can give me the answer. Basically, would we be covered by section 75? We live abroad but have UK bank accounts, house, mortgage, credit card, savings accounts and address. We will be spending 5 weeks travelling around China this summer and are employing the services of a UK…
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American Express Gold
Does anybody know if you can do a balance transfer onto a amex gold card As i need to pay for a large item and have a couple of 0% balance transfers on two of my cards so thought i could but with the gold card then do a couple of transfer balances worked out i would save over £290 rather taking the credit terms offered by…
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PIN Money
How seriously do you take the banks when they warn it's your own negligence if you lose money as a result of keeping your PIN next to your card? My mother recently had her purse stolen, and since she had kept her PIN in her purse with the card they just went straight round to the bank and emptied her account. I tried to…
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Credit card overdue charges.
This morning I received a Notice of Sums In Arrears letter from my credit card saying as my payment that was made in December was late, (by 1 day) I now owe a total of £37, over due fees. The original bill of £17.50 was due to be paid on 5th December, I went on line and paid this using my Debit Card on the 4th Dec, and had…
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Credit cards
Hi there, We are a small building company looking for the best credit card. Can anyone tell us the benefits of using a business credit card over a personal one. These are the cards we are looking at at the moment. Business cards Barclaycard Business MasterCard Gold 21.7% Capital One Business card 16.9% Airmiles cards…
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lowering credit card payments.
Can someone help? Just rang barclaycard, to say i cannot meet this months payment. Have always paid. There response there is nothing they can do about lowering payments,until i go in to arrears. I do not want to be in arrears just pay less . Has anyone else had this problem. I want to pay of my debts but need lower…
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AA Spend and Eran Card at Pay-at-pump?
Hi, I recently signed up for an AA spend and Earn prepaid Credit card for use with my train travel and petrol purchases. This way, I am able to transfer my whole month's travel budget onto the card and know that I've always got enough money to get to work :) . However, yesterday, I tried to use the card at a Tesco petrol…
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F&F payments
Now I have read so much about full and final offers people have made and i want to find out if this is possible or even worth doing. I have 11k on a Barclays card and have paid the min payments for years and as well all know it just mounts up. I have now gained some funds around 15k and have around 20k worth of debts. I…
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Credit Card help! Clueless
Hi, I am new to forums in general so apologies if i have done this the wrong way. I currently have no credit score and as i have secured a graduate job I am considering getting a credit card just to buy a few things on a month and pay off the balance in full, instantly. However, when it says 0% for 13 months does this mean…
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Balance Transfer questions
Hi everyone. I have a few credit cards from Barclays that I am paying off the minimum each month. I cant afford to pay more. I owe £7000 between the 2 cards and I want to apply for a 0% balance transfer. However, I have read here that transfers are only temporary (like 22 months) I wont be able to pay the whole balance in…
