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Foreign transactions in Stirling
Most credit cards charge for foreign transactions I know, and I have 2 which don't which I always use abroad. However, I just wondered, if you use a credit card which does charge, but you select to pay in sterling (which many places seem to offer now) does it still class as a foreign transaction? I mean, say I am in…
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Quick Advice Needed
Hi All I have just been alerted through Equifax that I have had a derogatory mark placed on my credit report. I have an Ammex with a 4k limit, never paid late until last week when I was stuck at sea (true story). I called Ammex when I got into port and paid immediately. I believed this was the end of story. Yesterday I got…
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Using Halifax credit card abroad
Currently travelling in the US and went to use Halifax credit card and it was declined. I had previously called them before my trip to inform I would be visiting this US. When I called customer service to inquire why it had been declined they informed me that me it was swiped and my card can only be used using chip and…
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Experian Credit Report Problem (accounts not showing)
Hi, I have a credit card and an overdraft facility with HSBC that I applied for in 2004. I have used the overdraft facility only a handful of times over the last 8 years, but I use the CC frequently, especially in the last two or three years I have used it on a monthly basis. My Experian credit report says I have 0 credit…
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Credit report confusion and new credit card
Hi all, Having been monitoring my credit report with experian for a few months now, i'v had consistant ratings of around 987 (excellent) i know creditors dont use credit scoring. on my experian file there are no records of defaulted accounts, yet when i applied for my statutory report end of last year it had all my…
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Length of Time Held For Credit Cards
Here's a quick question... Does anybody know if the length of time that you've held credit cards for can have a positive effect on your credit score/profile? This appears to be the case in the USA, just wondered if anybody knew if it was the same over here with Experian, Equifax & Call Credit. For example, it appears that…
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card that accept cash from paypal directly
Is there any topup cards or even credit cards that accept payments of paypal? My old paypal card was great but now they cancelled so need an alternative. Thanks
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Advantis Credit
Hi all I am looking for some advice, this morning I recieved a letter from Advantis using what is probably their standard letter template, however it advised they would apply to my employer for a attachment of earnings, and as I am a senior manager I obviously do not want this so I contacted them. They advised me it was…
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Capital One - Progress
Hi, I have had a Capital One Classic card for a year (£500 limit) to try and get my credit score back on track after a few defaults from about 5 years ago. I was told it is a good credit builder. I have now applied for the Progess card and did not think I would be accepted as I had gone over my a few times but surprisingly…
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Confidential Access.com Novelty TSB statements
I don't know if anyone has read the recent news of a website selling 'novelty' items such as driving licences, editable bank statements, utility bills. http://www.telegraph.co.uk/news/uknews/crime/9321081/Police-search-for-11000-in-identity-scam.html Looks like the site still has things like LloydsTSB Home Design Kit.…
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Tesco Credit Card - Statement sent in error
I received an official looking Tesco credit card statement today which was addressed to TESCO BANK followed by my address. The statement relates to a VISA card whereas I have a Tesco Mastercard. My first reaction was that it was a con that relied on people taking the statement at face value and sending off the payment or…
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HSBC Customer Services Address
Hi Does anyone have a postal address for HSBC customer services please? I'm setting up a DMP with CCCS and they advise writing to creditors. I DO NOT want to phone HSBC, but they don't give any addresses that I can find on the website.
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Did a balance transfer in Jan - can I do another one now?
Hi I did a balance transfer of around £700 (of cat vet bills :eek:) from Barclaycard to Virgin so that I could take advantage of the 0% fee and work on getting the card paid off. However, I stupidly failed to make any payments for the first two months (for some bizarre reason I thought once I'd transferred it, I could just…
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Best card for me??
Hi just wondered if you could help me I'm looking at taking out a credit card with either cash back or rewards I have no debt at all and have an excellent credit rating (I have all 3 credit reports which say excellent) I pay the balance off my current credit card in full every month so never get charged interest. But I am…
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halifax 22 months 0% card info plz
hi i just applied for 22 months 0% halifax card, my credit rating is very good (after a long fight to restore it due to credit card fraud) im just waiting for the last fraud account to be removed which it should be in the next 6 days, will i get accepted and what limit will i get as im hoping to get £2800 transfer
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Visa debit card expiring whilst abroad
Hi We`re currently living abroad for an extended break for a year or two, possibly permanent and have noticed my bank visa debit card is due to expire in a few months time. Currently we have our house in the UK rented out but we have mail forwarding with the post office to my parents house. Just wondering if its worth…
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Halifax clarity - approved but with high APR
I've been approved for a Halifax Clarity card which I want so that I can use it for spending on holiday abroad next month. The problem is the forms came today and it's says I will get 21.9% APR. I know this is based on credit scoring etc, but is there any way to get that lowered if I ask? Maybe if I'm willing to accept a…
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Credit Cards
I made a payment on my credit card and asked them for a form or a number to claim my late payment charges etc,and they said i have been given the wrong info and i can not claim anything,what do i do?
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Applying for my first credit card with bad credit.
I need some help, I have been refused for a few credit cards and im about to apply for the Vaquis card (29.8% APR). Im very new to the whole credit card business and all of the wording that comes with it. Im only getting the card to get my credit rating up. Could someone please tell me if i purchased something for say £100…
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Can i transfer 'credit' from my credit card?
I have just been approved a credit card transfer. Now i asked for the max transfer to be made from new credit card to the old one. That leaves me with about £2000 credit remaining in my old one. I was going to use it for normal every day expenses like food and petrol. But was wondering is there a way to transfer to current…
