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Vanquis wanted my bank details before being accepted
I just had a weird experience with Vanquis credit card. I applied for their card, and then got a missed call from them, so I called back. The man on the phone confirmed all my name, date of birth address, then he asked for my salary, and asked how often it came in. Then he said he recommended a direct debit, and I said I'd…
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Credit Card help please
I did try and hijack another thread on credit card advice but got no replys so sorry if you have already read this I want to start by saying that I have already searched the website for advice but being a credit card virgin (other than a very low maximum student credit card that gets used for a tenner a month) who has been…
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Virgin Card - Monthly Payments Question
Hi can anyone explain to me how much i will pay per month, i know i have been scanning website and paperwork but cant find the % i will pay it used to be £25.00 regardless of outstanding amount? i have just Balance transferred some debts which total £4300, i will have my 2.99 fee on top so estimate total £44.25.00 can…
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Freezing Interest?
Hello, I know there are many posts on this and I have read through a few but none of them match exactly the info I need. I am trying to help my brother out, his one and only debt is with a credit card that he used to use for his self employment. He has not made a payment on this card for well over a year now. I have spoken…
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BT Nationwide Select to Barclaycard issue
Has anyone else had an issue doing a balance transfer from a Nationwide Select Credit Card to Barclaycard online ? I have a 6.9% life of balance offer but when I try and do it says the Nationwide card is not a recognised card that Barclaycard will transfer to which seems very strange as Nationwide are not part of Barclays…
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Can this person get a (partial) refund on this?
A company cold called my mother in law a few weeks ago offering her a chance to get PPI money back. She paid them £900 up front using a Sainsbury's Mastercard credit card. Nine days later, she wrote to them to say she had changed her mind and asked for a refund. Two-and-a-half weeks after the original payment, the company…
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Vanquis - confused, why does my balance say zero?
Hi all, I have a Vanquis credit card (I know, I know – I’ve seen sense now and am concentrating on paying it off), just checked my account and this is what it says: Balance carried forward - £927.87 Credits to your account - £50.00 Debits to your account - £118.99 Current balance - £0.00 Why does it say my balance is zero?…
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Is BT landline better than others for credit score?
We are moving house and planning on switching at the same time from BT landline and Be broadband to landline+broadband with Be only, which will save us around £60 per year. At the moment, landline is in my name and broadband in my wife's. I was wondering if losing the BT landline will in any way influence our ability to be…
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credit search's
not sure if this is in the rite section, i could not fine one on this topic so sorry quick question, how long do credit searches last on your credit report? searches for credit cards, loans, mortgages and currant accounts? thanks in advance
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Barclaycard Initial- Help
Hi, I was wondering if anybody knew how long it takes for them to let you know if you are accepted or not? I applied online and was told that they "needed more information and would contact me if they needed to" I was turned down by Next for 0% finance on a Sofa so im a bit concerned that i have been declined again. I have…
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Does Visa Debit still give same protection as Visa credit card?
Hello, I read somewhere, probably on here, that the Visa Debit card gave the same financial protection as a Visa credit card, is this still the case? Am thinking of booking flights/holiday but to avoid the credit card charges can use my visa debit card.
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Style Financial Services - contact number?
Hi there guys, The debt from my old HMV card was transferred to a company called Style Financial Services where I've been making payments every month. I've lost my statement for my latest bill and realised that a payment is overdue by a few days, but I can't find their telephone number anywhere!! No website, nothing. Even…
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5% cashback card
there is a new cashback credit card on the market which offers 5% cashback on your purchases for the first three months and thereafter up to 1.25% cashabck depending on the amount of money you spend....however, you shouldnt use it for cash withdrawals as this is a paid service...good way to save some money, isnt it? :o
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Section 75 dodgy garage.....
i recently took my old 53 plate mondeo to local garage with a squeaky suspension. Got a phone call saying they had stripped down suspension and only thing they could find was a worn shock absorber £112 and they were 99% certain that would solve the SQUEAK. Lo and behold squeak was not fixed so i took car back and was told…
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Does a partial transfer cover a minimum payment?
Hypothetically, If I had a credit card with £1000 on with a high APR and another credit card with a 0% APR and I transferred £500 from the high one to the zero one, then would i still need to make a minimum payment that month on the high APR one? Thanks in advance for any help x
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Should I cancel an unused CC?
I got a basic Natwest CC as a first CC (and to use the 6 months interest free for buying car insurance cheaply). Now that I've got a second CC which has 18 month interest free I won't use the old one at all. Should I keep it as a dormant card for emergencies or something similar, or should I cancel it? I don't know what'd…
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Santander 123 cc - rejected
Hi all, I applied online recently for Santander's 123 cashback credit card and had a letter through today saying I have been rejected. I can't understand why I have been rejected, I thought I had good credit score. The last time I went overdrawn was about 6 months ago and that was for about £10 and I paid money into my…
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Natwest Visa are trying to kill me.
Well that's what it feels like anyway. As outlined in a previous post To new to post links.. plz reassemble it ht tp://forums.moneysavingexpert.com/showthread.php?t=3883101 I have various physical and mental health problems, I will never get 'better', I can only be maintained. Natwest visa are well aware of my condition. I…
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mothercare card help?
Hi. So i took out a mothercard a couple of years ago. Then last year ( i think, if i remember right) i got a letter from santander saying something like ...as from a certain date you can no longer use the card in stores. Basically i think mothercare and santander stopped working together. So my question is, on my monthly…
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Quick ways of boosting credit score?
Hi i'm new to the website! I guess also that information may be on the site for this already (if so where can i find it?). So basically the question is.... How can i quickly boost my credit rating? Many thanks Brad ;)
