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Tesco Credit Card Online Fiasco
My wife and I both have credit cards with Tesco. We both tried to log in to our accounts today using security details that worked previously and were unsuccessful. I tried calling their helpline using the number on the back of the card and chose general enquiries from the four options. After entering the 16 digit number I…
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Securing a credit card while on a good salary before becoming a student in September?
Hi there, I am new to credit cards and, having seen my parents' struggle with debt I am very wary of any major type of loan or credit. So far I have avoided it by using an interest free graduate overdraft and borrowing £2000 from my parents to pay for a rent deposit, which I am paying back as quickly as I can. At the…
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Dividends and credit rating
Hi If my gross income is £50k but I only take £7488 as salary and the rest as dividend, then if I apply for a credit card or a mortgage, would the bank see me as someone earning £7488 or £50k? In other words, is the banks' notion of income same as the taxman's? Quite a few cards require a minimum of £20k or so. I can sort…
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Help with a 0% RBS card
Posting a question for my brother! He's applied for a 0% card with RBS. The terms and conditions state Does this mean that if he pays a catalogue off with the card or transfers a credit card balance that as long as he spends no extra money on it at all then the balance on the card will remain at 0% interest after the 13…
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warning entropay prepay cards - suspended accs
I opened a prepay virtual credit card with entropay as it seemed a good idea to have a limited anonymous card for internet purchases. It was good for a month so I loaded up my card with cash for future use, and then they suspend it requesting a long list of identity info, passport, bills, photocopy of other cards. Update…
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Rbs/unison
Hiya, I would like to know if anyone can offer advice, I recently informed RBS (Jan 2012) That I was having problems paying etc, and would i be able to reduce the payments, they explained that the only way this would happen would be to default on the payment, long story short, we came to an agreement to pay £50 for a…
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Unauthorised use of credit card
I have had a large payment taken from my credit card by a hotel I stayed at over a year ago. The hotel is in Belgium. I have contacted them to say that this has happened, and they have responded to ask me for my bank details for reimbursement. I would have thought they would just recredit the credit card, rather than me…
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New to credit cards - need some expert help please.
Hi everyone, I would be extremely grateful if anyone could give me some advice. Basically I am 22 years old, and employed full time in a decent job. I rent my own place with a friend of mine, and we comfortably pay all the bills and have a bit of spare cash. Me and my girlfriend are looking at booking a holiday. Now its…
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Who's responsibilty if your credit card is hacked
Hi, I am just wondering should your credit / debit card been hacked, who's responsibility it is? As in to pay off that purchase?
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Divorcing - need new credit card on low income
Hello All, I've had a Tesco credit card for years (as an additional card holder on dh's account). We always pay the balance in full, and have no other debts other than the mortgage which we pay regularly. We are now splitting so I need to apply for my own Tesco credit card. However at the moment my income is only £5500…
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Barclays stalling = I lose money - can you help
On April 20, Barclays offered to pay me £3,397 in a PPI payout. I accepted it and posted the form, opting for Barclays to pay me via a bank transfer. I've not received the money yet so called them just now and was told it usually takes eight to 12 weeks. Each month, I pay £100 minimum payment on my barclaycard. £25 of that…
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Is an allowance and 'income'?
Hi, I have recently graduated from university, and am currently unemployed whilst looking for my first full time job. My credit score at Experian is 'excellent' and I am registered on the electoral roll. However I have never previously held a credit card. Experian suggests that I apply for credit building cards…
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Help for a clueless finangial gal with a little debt
Hi MSE, this is my first post on a forum ever, but im desperate for advice. I have three maxed out credit cards, two at £500 and one at £200, yet I have just graduated University and only have a part time job (earning roughly £300 a month), therefore cannot afford to make three separate payments each month, on top of late…
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Cancel travelodge room - claim back from credit card ?
Hi all We booked 7 SAVER rooms for a wedding later this year with travelodge. We didn't take travelodges cancellation insurance and becuase its a saver room weve been told we can only amend the booking date not the location. Is there any way of getting our money back ? maybe through claiming off the credit card it was paid…
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What is the best business credit card?????
I currently have two business credit cards that have £10k credit limit each and they get paid off in full each month by direct debit. Is there a credit card that i can get rewards or discount, as it is paid every month the rate is not important. I did see capital one business but they only have an initial credit limit of…
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Cancelling 0% Deal - Virgin
Hi all, I recently moved from Santander to First Direct using the switching service which has seemed to happen without any issues. However, whilst checking my online banking today I had a text from Virgin stating that my payment to them had been declined and that I owed them to outstanding minimum payment. I rang Virgin…
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How long to update credit reports...?
I have been trying to check my credit reports but I tried a couple of free trials several years ago and now it seems I have to pay! Anyway, I haven't missed any payments and don't have any debts, although I do have available credit on cards and an overdraft. I am about to move house but also want to apply for a CDL. I am…
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Natwest Credit Card moving to Santander
I've just found out that my Natwest Credit Card is moving across to Santander (I'm based in England). This is in addition to my Natwest Business Direct Bank Accounts (both current and savings). I opened these specifically from a RBS account as I knew these would be moving. I didn't think Natwest Direct would also move -…
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Barclaycard Application - Taking Ages!
How long does it normally take to get a new Barclaycard? I applied for a Barclaycard Platinum card 6 weeks ago and I've still not heard one way or the other. I have rang them three times and have been told each time that I will receive a letter in the next 5 to 10 days. Is no news, bad news? (I have previously had a good…
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Credit Card payment plans
Does anyone have any experience of Payplan or Consumer Credit Counciling Service. What is the difference between them and which is the better please.
