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Credit card via Moneybookers
Dear all, I'm wondering if the financially savvy out there can help me with something. Is there any effect on your consumer right when using a credit card if the payment goes through moneybookers? I may not have worded that quite right but what I mean is do you still have the same kind of protection say, the company goes…
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Error in my Credit History?
Hi again, I just checked my credit report through my Experian account and was shocked to see that my rating has plummeted about 150 points in a month and is now only 'fair', down from 'v good'. The major problem appears to be a 2 month late payment on my HSBC professional studies loan and an outstanding balance. However,…
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Vanquis Credit card
Hello all, Ive applied for a vanquis credit card as im now paying off other debts! I am going to use it very rarely and pay off the balance in full every month! I have got a experian credit check account and looked that i have a "Very Poor " Score... I did the deal checker under my accounta and it said id be elidable for…
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Would 2 credit cards boost credit more than one?
Hello, I'm new! Basically I have recently moved banks so don't have the best credit for that main reason. So I have a Capital One credit card, I just spend £30 a month on it and repay it in full, I'm in no financial difficulties so I don't 'need' one. Anyway, I had a letter from a company- cant think of the name- I think…
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McCall
Not sure where this would go but as it is relation to an old Barclays credit card we had I thought I would try here. Today, in the mail I received a letter from McCall Door Step Recovery. Pretty much saying that they have been instructed to carry out removal action in the next 24hours. My wife contacted them and it appears…
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Balance transfer vs straight paying it off
I have recently got a new credit card, a Tesco credit card. Do you think it's better to request the balance transfer of my current credit card, or attempt to just pay it 'normally' from the new credit card?
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Read this if you've been refused a credit card
Hi everyone, After getting some great advice from forum posters I thought I'd return the favour and share this with you all, it's probably common knowledge but it might help someone. I recently applied online for the Halifax Clarity credit card and subsequently received a rejection letter a few days later. I was very…
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Best option to combine two cards
Hi guys, I was wondering if anybody can offer me some advice. I have two credit cards at the moment - A HSBC card at 23.9% with about £2200 on it, and a Barclaycard Platinum at 21.9% with about £4,700 on it. Total monthly minimum repayments currently at about £260. The Barclaycard was originally taken out as a 0% balance…
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Suspended Credit Card
My credit history has not always been great, and I did have periods of missed and late payments on my MBNA credit card. After speaking with MBNA I placed a self-imposed suspension on my Credit card, not put in place by them but me. I have now cleared the entire balance from the card and contacted MBNA to have the…
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credit rating :(
Hello all, This is my first post as i am very concerned about my credit rating. I co-own a property with my brother who took an equity loan 5 years ago and ever since has been struggling with the mortgage( his side) I have been able to keep up with my payments and trying to help him too. Since this arrangement isn't…
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BarclayCard Missed Direct Debit
Hello! Opened my barclaycard account last week of March and set up a direct debiot from my Barclays account. First payment due May 14th, and I have just noticed a late payment charge from Barclaycard for £12, they haven't taken the direct debit from my Barclays current account. Barclaycard have had the direct debit bank…
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Anyone have a Lloyds TSB Avios CC? Tell me your APR
Hey All, Looking for anyone with a Lloyds TSB Avios Duo Card. I have a load of issue with applying / getting this card. ended up having to appeal a decline decision and was told the only way of getting one was to apply via paper application in branch and the decision would be changed from no to yes. the only application…
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quick credit card / report question
Hi I've been following my creditexpert report and have a question. If I use my creditcard and clear the balance in full right before my statement, does it show up as "£0" used for that month on my credit report? Thanks! bonus question: I phoned in and they told me that I need to pay in only 20p for last month statement.…
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MBNA Cash Advance
Hi, I recently accidently used my MBNA visa credit card to make an ATM withdrawal. Don't ask me how it's a long story. Anyway I have received a £5 charge for withdrawing this £30 which is annoying but my own fault. My question is on interest, I have repaid £30 onto my account straight away as I know interest applies to…
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Award points using Credit Card via Paypal
Hi all, I wanted to find out if I regsiter my credit card details for Paypal payments do credit companies still awards points/cashback as standard? Thanks
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Multiple Barclaycards
I currently have a Platinum Simplicity card with Barclays. The interest rate is 6.8% for the life of the card. I want to get a 0% balance transfer and use one of their new products (Barclaycard Platinum - 0% BT for 17 months with 1.6% handling fee), but according to the website and the free eligibility checker on it,…
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Barclaycard Platinum Simplicity
Ok, i have taken out a simplicity card from Barclaycard at a rate of 7.9% to replace my Bank of Scotland card after they raised my rate (and credit limit oddly) to an eye watering rate of 21.9%. (i know this is more of a standard rate now but...to hell with that) I do not have a balance outstanding, (have my balance on…
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vanquis customer applied for granite card
Hi guys :) Im a vanquis credit card holder - its been 5 months Ive recently in the last week applied for a granite card only to realise that they are the same company! Does anyone know what happens next... is there still a possibility that i will get accepted for the card or will it be an automatic refusal Thanks in advance
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British Gas & CRAs
Anyone know if British Gas still report to the CRAs? Just purely out of curiosity. I had a British Gas account from Nov 2009 to Feb 2011. They searched and reported to Experian only. I rejoined British Gas and my supply started in March 2012. They didn't search Experian or Equifax, and I have credit reports from last…
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Residual Interest
Just cleared a virgin credit card and went to cancel the card, but was told I have to pay a residual interest charge before it can be cancelled!? Reading the small print etc would probably have been a good idea before getting the card etc however I've done a bit of research on this but was wondering if anyone else has had…
