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how long to leave between applying for credit card and mortgage?
Hi all, I've only just joined up (first post!) so apologies if this is in the wrong place etc. My other half and I are looking to buy our first house, and the advisor we've spoken to thinks we should be fine to get a mortgage of the size we need, based on our earnings etc. - but while my other half has a credit card (fully…
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Interesting case against Equifax
http://www.bailii.org/ew/cases/EWHC/QB/2012/2088.html Not sure if its already been reported but basically Equifax lost in the High court over their negligence with regarding to the removal of incorrect data and the inability of someone to open an account with a bank due to it. Originally shown on…
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Advice re using Vanquis abroad
Hi We are going for a short well needed break and will reluctantly need to use our Vanquis credit card. My question is, is it wise to use the card abroad? If we want to use it say to pay the hotel in Euros, will Vanquis charge us exorbitant fees in conversion, etc? I'm sure I heard it is best to use a credit card when…
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Paying off loans with credit cards
Anyone know if I can pay off a Halifax loan with a credit card? They are closed at the moment so I can't call them to find out? I found out I could pay off my Mini loan with a CC so I was very happy (most of it now on 0% :beer:)
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Post Office Credit Card - Need to send proof documents. Have they accepted me then?
I recently applied for a Post Office Credit Card, as I am going on holiday next month and have seen it recommended on the MSE web site. I received a letter asking for confirmation of address, bank account, a credit card statement and proof of employment. Does this mean that they have provisionally accepted me, i.e. have…
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Tesco credit card problem
Does anyone have any advice on what to do if a credit card company takes an unauthorised direct debit payment? I pay off my full balance every month by direct debit on my Tesco credit card. Last month, due to an increased spend and pay day coming the day after my balance was claimed, I ended up the direct debit bounced due…
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Capital One Secured Card
Hello People, I was looking on the Moneysupermarket website and saw the Capital One Secured card, as my credit score is low I decided to opt for this for the chance to improve it. I was accepted and they asked for a security deposit of £200 which I don't mind. I was just wondering if anyone else had seen this and if they…
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tesco Credit card
I'm considering purchasing solar panel installation at a cost of £6000. If i pay by credit card, they charge an extra 2%. If I use Tesco credit card, i get clubcard points. Is this worth doing ? please advise.... Thank you,
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Bank of Ireland mortgages
I have a Bank of Ireland mortgage, about 2/3 years ago I split wit my partner she moved and and I had an injury and was unable to work, I don't receive sick pay as I am a scaffolder. Anyway I went into arears and now pay a bit more each month onto of my monthly repayments to help clear this. At the monent because of…
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Credit limit increased, is that good credit score?
I have just got a letter saying my credit limit will be increased. Does that mean my credit score is good or better? I recently applied for a credit card with another bank who gave me a transfer and a high limit reletively. Just wasnt sure why i got an increase from my old card.
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Paying off a loan with a 0% card - transfer or new business?
Hi Folks I need to ask a couple of questions regarding a 0% credit card. My partner has a loan with a high interest rate on it. He assures me he was turned down only once before being accepted for this loan so it is more by bad luck than having no credit rating (Experian rates him as fair - no CCJs etc). We are looking to…
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can prepay cards be used for CPA's?
I have a paypal access card which I want to use for a monthly bill taken of card, but I think the card is classed as a prepay card even tho paypal say its a debit card, anyone used one of these cards for automated monthly payments?
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sending payments to cpital one via mastercard
Is this possible at all even over the phone? on the website it only allows visa or visa delta (and the visa has to be debit card). the mastercard in question is a debit not credit card.
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can i get some advice on balance transfer
i have been accepted for a new credit card and want to use the 0% balance transfer facility. I want to clear my debt but in all honesty cant really afford to up my monthly payments. So with this info is it best to move half of the balance over? will this half the payments on each card therefore making monthly payments the…
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Help with Obtaining Credit
Hello all 6rs agao I found my self at the bottom of a debt pit with no way out. I have finally started to see the light now I have 3 ccjs that are all satisifed and all will have dropped off by November, I have 3 or 4 defaults also that will be also gone by november, However I have 1 default that I have registerd with…
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Credit Card strange move - YOU ARE OVER YOUR LIMIT!!
Hi All I have had a weird letter today from my CC company and would like to know if anyone else has received such a letter. I have a limit of £1k and make regular payments and always stay below my limit, however today a letter states that they have got information from CRAs and have subsequently reduced my limit to £850.…
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How to interpret a credit report
Hi - I have had this thread (https://forums.moneysavingexpert.com/discussion/3998533) on DFW boards - summary below. Summary: I have got the statutory credit reports from Equifax and Experian together with the free report from Noddle. Can someone please help me interpret the data and estimate my credit rating? A bit of…
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Accepted!
Woohoo! lol
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Which Credit Card?
Hi Guys I hope someone can help me, i really need a new car and a friend is selling one but i dont quite have all the money to pay for it, i dont want to take out a loan as the interest rates are really high so i thought maybe getting a credit card that has 0% APR for several months would be a good idea (as i would be able…
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Transferring Barclaycard World (Egg Money) to CA??
I have just done a £6000 balance transfer to my Barclaycard World (old Egg Money) and as such have a positive balance of ~£4000 How do I transfer this £4000 to my bank's current account? Can't find the option on my account?? Thanks
