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Help, refused for credit cards!
Hi, I'm new to the forum so please be gentle with me! The problem is a little longwinded but I'll try to keep it brief. Here goes . . . About 2 years ago I applied for a Tesco intrest free credit card and was accepted no problems. At the end of the interest free period (about 12 months later) I balance transferred the…
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CC Overpayment in order to make large purchase
Hi All, Newbie here so please be gentle. I am soon paying for my honeymoon which I have been saving for over the last year of so. I have the cash in my bank however (even with a sur-charge) I would still much rather pay on my AMEX card, not only for the airmiles but also the added protection/insurance. I can contacted MBNA…
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Barclaycard
I applied for a Barclaycard about a month ago and they said at the end of the application they needed to check a few things and would be in touch. I have only just realised it has been much longer then the two weeks they said it would be so do I take it they refused my application as they haven't been in touch? O could…
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Best credit card to get cashback spent on fuel?
Hi I have a Halifax Clarity which is my main card to get the £5 each month. Recently I have started driving and was wondering which is the best card purely for fuel purposes. I live at home so don't buy groceries. Thank you in advance.
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Granite
Good morning folks, I applied for a granite card yesterday and got the no thanks page. However, today i received a text saying they will be in touch in 10 days. Is this normal?
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Merchandise Interest - Nationwide Credit Card
Hello, I've just checked my Nationwide credit card statement online and there is a £0.17 charge titled 'Merchandise Interest'. I've no idea what this is. I opened the account in January this year on a 6 months 0% purchase deal, due to end in June. The account has only been used to make purchases (no cash withdrawals,…
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Credit Card Rejection help please!
Hi, I was looking for some advice. I have a credit card which is still has a balance on it and I was looking to transfer this. I have just made an application to the Halifax card and been rejected :( . I then had a little look at other cards and found the Nationwide card could offer a quote. I have just filled my details…
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Credit cards and the electoral roll?
Hi everybody! I moved into a flat a couple of years ago but all my credit cards, bank accounts, provisional driving license, etc, are still registered at my mum's address. I have trouble receiving post at my address and I don't plan on living here for long (moving out after summer), and so whenever I apply for anything, I…
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Unrequested "authorisation"
We have received a letter from "Vanquis Bank" saying we have been pre-selected to apply for a credit card. What is the best and safest way to dispose of this
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CC cancelled by Amex. Credit rating problem?
My company requires most employees to have an Amex credit card on a joint and several liability basis. This must be used to pay for expenses on company business, which may then be reclaimed from the company. Having used mine for at least one year, and paid it off each month as required, I was requested to provide further…
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Debit card protection? is there any now?
Hello, I've been stupid it seems? I purchased a kitchen (cabinetry and doors) via a site online and it 'seems' the 'company' might not be who they purport to be. The site is brilliant and makes out it is a manufacturer but after a little bit of checking online today I've found their given address as head office is a…
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tax
Is it possible to actually go to a tax office and sit with someone to discuss a problem?
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Should I ditch my credit cards once cleared?
Hi I am new to the site and have been pondering a few questions for a long time and wonder if anyone can help. I am trying to get rid of all my credit card debt within a year so I can move in with my girlfriend. I am currently in debt just on my credit cards and am slowly paying them off. I have 5 different cards with…
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Moving in with someone and affecting his credit rating
Hi can anyone help please. This is probably a silly question but basically I have a credit card balance which is being paid no worries. But I am thinking of moving in with a friend who owns the house to save money. I am worried that if I do this and change my credit card to his address that it will affect his credit rating…
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Barclaycard Platinum application credit limit
Official MSE Insert: If you've arrived from Google, our Balance Transfer guide may help. Back to the original post... I applied online for the Barclaycard Platinum, requested a BT of £4800. Gave all details from MBNA card. The application all seemed to go through ok and the last page said I'd get my new card within a few…
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Credit Card Beef
Hi all, I have a beef with my credit card company. I bought my car insurance online from a comparison site and paid the full and final payment at point of purchase. Sixteen days later the car insurance company put a random charge on my credit card without notifying me. At this point I contacted the insurance company and…
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Credit card defaulted without notice?
Hi, hope someone can advise me on this one. I have a credit card with Sainsburys, my partner is the main card holder, I also have a card. Last year we ran into difficulties and Sainsburys agreed a repayment rate of £24 a month, no interest. They then reviewed this earlier this year, as our circumstances have not changed,…
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Halifax Credit Card
Just had to post my experience of the most incredible level of incompetence. Last month I transferred my credit card balance from Barclacard to Halifax - was the best offer. Halifax now inform my that I cannot make payments online or over the phone unless I have a current account with them - but I can set up a direct…
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Tesco CC, Refund Issue
I have a tesco credit card, I pay my balance off every month in full. I had bought some items on it (£150 in value). I returned some of the items and therefore was given a refund (£100, so I had only kept £50 worth of goods). I then paid the remainder of the balance to tesco (the £50), so I believed my card was paid off in…
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MBNA Reject Section 75 claim - unjust reason!
Hi All, looking for some advice please. I had a section 75 claim with MBNA for bedroom furniture value approx £2500, each item in the suite is faulty and parts have been repaired and replaced only to develop same faults. Made the section 75 claim as the merchant was unwilling to collect furniture and give me a refund. MBNA…
