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Aquis and Vanquis?
Hello. Does anyone know if you can hold both cards?
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Which should I ditch (if any)?
Hi guys, I guess my query is regarding available credit to income ratios. I currently have the following CCs: HSBC £7200 limit. Barclaycard Gold £3000 limit. First Direct Gold £3000 limit. Plus £250 First Direct overdraft. So £13450 available credit against my annual income of around £35000. All of these cards have…
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yay
I have had trouble trying to get any credit ever...I had been trying to get some sort of card etc to build up my credit rating and for emergency use. Finally after 5 years of trying i have in the last 2 weeks been accepted for 2 catalogues, a credit card and a mobile contract. I might finally be able to boost my credit…
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is a credit card purchase covered after 2 years
Hi, I brought a sofa on my credit car about 2 years ago but the zips are breaking and the stitching is coming apart in most places. Am I able to claim the cost of the sofa back from the credit card company?????
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New Credit Card User
Hi My partner and I are looking to get a credit card as we are going to America in September and don't currently have one, what I'd like is some advice on the best 0% on spends to use while abroad? Thanks!
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Creation - Equifax credit score > 550 = Accept
Can someone humor me and tell me if they have a equifax credit score of 550 or above and get declined for a creation credit card. For a Flybe or anything like the all saints card if your score is above 550 you should be automatically accepted because they use the equifax score system built into there decision making…
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ID Theft - A Victim :(
Ok not sure if the correct part of the forums for this but sadly I have become a victim of Identity Theft :( I'll explain what's happened so far. Today I recieved a statement from Very.co.uk for a credit account with them, of course they were phoned immediately and I was passed to their fraud team who have blocked the…
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Has anyone with a Tesco CC checked their Credit Report recently?
Just curious really. Using Noddle, my Tesco CC appears twice (I believe coincidentally since they re-vamped the Tesco CC website). It's listed once under Tesco Personal Finance Credit Cards, and once under Tesco Bank, as two separate cards (both show SAME balance, credit available, payments, green ticks etc). Now whilst…
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Applying for M&S CC again?
Hi, Back in December I applied for the M&S CC and got turned down. I am 99% sure this was because I had just got a mortgage and unfortunately I had around 3 searches done on my file due to mortgage problems. Now its 6months on and I want to apply again. I have checked 2 of my statutory reports online and all the details…
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Minimum payment DD on a paid off CC
I have a DD to pay off the minimum amount on my CC, however I was also chucking in manual payments too to split a large purchase over several months. I finished paying that this month (1st June) so my CC balance was £0.00. However my DD date is today, and the minimum amount has been paid in due to DD being set up so now…
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number of days before balance transferring a transferred balance.
I have a Barclaycard Visa creditcard which is about to finish it's 0% rate. I have zero balances on Mint, Capital One and Barclaycard Mastercard. I have no offers on Mint or Capital One. Mint offers a balance transfer with a 3% charge and Capital One offers a balance transfer with 0% charge. I have had these cards for a…
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Reducing Next store account credit limit
Hi everyone, Not sure if I've posted this in the right place or not, but hope so! I'm just wondering about my Next account - currently there is roughly £260 owing which I am paying down nicely by making more than the minimum repayment each month. However the credit limit is unbelievably high - something like £3500. I'm…
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Clueless newbie- Poor credit ratings?
Hi guys, Its my first post on here and i'm pretty much clueless when it comes to anything financial so please be nice to be :) I took out a credit card last year with M&S on a 15 month 0% APR offer which has all been fine, then had a Tesco card with the same 0% a few months later. I had absolutley no problems with being…
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letter from halifax
applied for a halifax card on friday got a letter asking to ring them, is this normal procudure
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Credit cards for international students ?
Does anyone know how to get a cc if im an international student? Its being a big pain. Im gonna be in the UK for at least 3 years.
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best reward cards
Official MoneySavingExpert.com insert For full info on the best credit card rewards available at any time, see the main website's Best Credit Card Rewards and Rewards Checker guides. Back to the original post... hi there, I have just been thinking of applying for one of those rewards cards but there are so many of them…
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Prepaid Card for teenage Daughter
Any got any idea what the best prepaid card for a 15 year old girl would be (using in the UK). I tried looking at the Extreme Cred recommended here on the Prepaid page of MSE, but it looks like it's no longer running. Basically I want to be able to put an allowance on it and it to be usable online (so the allowance is the…
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I'm an idiot - please help (Vanquis)
We were struggling for money and I very stupidly got a Vanquis card. My limit was eventually increased to £1,000 and the card is now up to that limit. This month it was just a few pounds under the limit, then today my statement has come in and all of a sudden it’s £1,074 (so now over the limit). I realise I am completely…
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A Cautionary Tale
Some months ago there was a report in the Daily Telegraph about a re-emerged computer virus. As my machine was operating very slowly at the time I decided to find out what i could about this virus (AVG have been unable [very rarely] to help previously. Having Googled the virus name, some software called "Spyhunter" seemed…
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Pre selected online barclays loans and overdraft increase
Hi All Please could any of you take time to clear things up for me regarding this : Barclays online banking has now pre selected me for a loan of upto £10,000 and overdraft increase from £100 up to £900,also pre selected for a barclay card but does not say which one! Does this mean i would be accepted if i applied?Or are…
