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Credit Card Rejected ... ?
Hi, Quick backstory: Applied to tesco 16month Spending card 2 weeks ago online. Got to the page where it has accepted my application, but I then cancelled and didn't continue. Turned out to be a good thing as natwest/RBS 18month card just came out. Applied for Natwest today and was delined. Tried RBS and was also declined.…
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10k m and s card help!
Hi,i have a problem. after splitting with my missus, i have got the 10k m s card . I have a poor credit rating. basically its £250m per month, ill ask a naieve question.... can i get the interest frozen? ill never be able to pay more than the min amount. helpful suggestions needed.
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What counts as 'Spending'
Hi, I am considering getting a cashback credit card, but I am not really a big spender. I will soon be sub letting, so my rent will go straight to anther tenant, this could be via cash or via direct debit. Is there a way that I could use a credit card to pay my rent and pay it off in full every month? Or does this not…
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my success with m & s credit card
I just had to come and post here after I use this website for so mucg advice . And I can't quite believe the outcome of my situation . I got made bankrupt 9 years ago and ever since having all my accounts taken off me etc I worked dam hard to get a bank account . It started as a basic one but now I have a nice account and…
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When taking out credit in-store with CIFAS
Hi, I have a Victim of Impersonation marker on my credit file and when I take out anything on credit it normally gets referred. What happens when I try and take something out in-store though? Like a mobile phone contract? Does that get referred too? Obviously I'll have ID and everything with me in a store.
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MSE News: Sony credit card customers urged to use reward points before expiry
"Former Sony credit card customers are being urged to use leftover loyalty points before they expire at the end of the month..." Read the full story: Sony credit card customers urged to use reward points before expiry
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Surcharges for DD/CCs
I thought there was something brought out now that stated that companies were not allowed to charge extra for handling CCs and DCs? Ie, they either accepted them or didn't. No "We'll accept for a fee". business. I spent £10 in a shop today and they tried to charge me £10.25 for paying with a CC. I queried this and they…
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Credit Card Refund due to illness
Hi Folks Hopefully you can help with this one. I've purchased tickets for a Paul Simon concert in July but have now had notice that I'm having an operation a couple of days before so will be unable to attend. Would I be able to claim a refund on my Mastercard or is this type of thing not covered? I've tried selling the…
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Can I load a Tesco credit card?
Hi, I'm pretty new to credit cards so apologies if this is a stupid question. The 0% on my current credit card comes to an end shortly so I've applied for the Tesco credit card today. I've been accepted but they have only given me a £750 limit. My main reason for wanting the credit card is to purchase a holiday so I am…
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Soft searches? help please
Hi All, I'm sure this has been asked on here before but I cant find the thread. I believe Nationwide and Barclaycard operate these soft searches but what I wanted to know is, are all applications based on soft searches or do you have to specifically request a soft search is carried out? I am looking to apply for a…
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Vanquis ROP
No, unfortunately not RIP! I have been trying to do some research on the Vanquis Repayment Option Plan, and to try and understand if this is a form of PPI and what I can do about it. I am doing this work on behalf of my elderly father so I'm hoping I can get some clear-cut answers that I have been unable to ascertain…
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pre pay credit cards
Hi, i have looked at the advice from MSE regarding using an online pre paid card to make purchases on the internet and out of the 2 that were suggested only 1 is available which is the travelex the other extreme cred isn't available any more. The problem is that the travel ex has a minimum deposit of £100 where as i will…
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Buying concert tickets with CC
I'm fairly sure I'm right here.... I see loads of people trying to sell ticketsafe and similar products and trying to say if your tickets get lost in the post then its your responsibility. I always understood if you paid by CC, until you recieve the goods (And they can prove so) then its the vendors issue not your?
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Can anyone advise what's best to do RE credit cards in my situation?
Hi all I'm trying to help a friend out who has some debts... She has a credit card with around £1800 on it and has a little more spending to do (another few hundred quid). She is currently paying interest at 26.9% I've talked to her about BTs and explained what they are and how they work (she had never heard of them). I've…
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Faulty Gifts Purchased By Credit Card
PLEASE HELP - WHERE DO I STAND? My mum & I are in a dispute with Barclaycard about a faulty item. The company has gone into administration so we are trying to claim cost from Barclaycard. The item in question was bought on mums CC for me. They are saying that because the item was "for or behalf of _______ (me) that there…
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M&S Credit card site problems
Is anyone aware of problems with the M&S Credit card site please? I have been trying to log in each day since Friday (maybe it is just down and nobody to recover it over the holiday weekend) - I can wait as I have a minimum payment direct debit set up but I like to make an extra payment when my next paycheque goes in and…
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Help for guy new to the credit card world?
Hey guys, Recently decided to get into the whole credit card world, as I know how useful they can be when used responsibly. I'm 19 and have a part time job whilst studying, and I did some looking and it seems I could get a barclaycard beginner credit card or one of the Halifax cards (from what I've seen). My question is,…
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Credit cards paid off versus saving for a house deposit????
Hi, I have £7000 on three credit cards, they are all on low rates for the life of the balance. I also need to move home, more space required for a child and I need a deposit. We have £8000 in equity and need a £24000 grand deposit so whilst I can save for this I'm not sure if I should pay the cards off first or just save…
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Using Fairfx currency card in the USA
Just returned from three weeks in the USA. My Fairfx currency card was accepted everywhere using 'swipe and sign' but not on garage forecourts using 'swipe and PIN' even though the card is PIN enabled. There I was forced to take my card inside the garage to be swiped and leave it there whilst I filled my tank, then return…
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MBNA Amex - Late Fee Error and cannot Contact them - Advice plz
Hi guys Has anyone on here had any issues with MBNA and specifically their Amex CC? Basically I missed a payment in April and they charged me £12 – my balance at the time was about £38 I think without looking). I didn't receive a statement (I think they had the wrong email for some strange reason) so I spoke to them and…
