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If i overpay on a Virgin card
will they still take the DD? (i'm hoping so) if not they won't class this as a non payment will they? i can't find any literature on this on any statement. Thanks
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How long can a company keep my card details on file and how long can they delay charg
Hi, I ordered some building materials over the phone by credit card and they were delivered within a week. I have today recieved a receipt for them stating that payment was taken yesterday (well over a month after delivery). I'm a little concerned that they have held onto my card details for this long, can they do this and…
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What to do next
hi guys, i have 800 pound on a credit card and cant really afford to pay it off in one go and paying 50pound interest a month, what the best think i can do, i dont really understand the credit card term like 0% on so and so. thanks ryan
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Charged a late payment fee, for paying too early!
Just had a totally incredulous phonecall with Virgin Money. I had been charged a late payment fee of £12 - for paying too early!! Every month on payday I transfer the minimum payment (card was on an interest free deal). Apparently, my statement closing date is the 2nd of the month. My payment due date is the 21st of the…
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Pay two cards - split the cost, or pay one off first?
I've two credit card debts, balances £8,500 and £5,500, similar interest rates in the high 20s%. I'm taking a 3-month payment holiday on my mortgage, giving me some extra to pay off. Is it best to focus on one card, or split it 50/50 (or another fraction)? Or doesn't it make any mathematical/financial difference, since any…
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Beware Booking.com security lapses
You have to give your card details to make a reservation with Booking.com. I have found hotels which print out all your card details including the 3 digit security code which make card abuse a real danger. Booking.com just says it's not their problem, hotels can do what they want with the confidential info you give to…
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Credit card query
I have an amount on a former business credit card statement showing on the statement as Celebrity Style Me Limited, Surbiton with Womens Clothes Shops underneath it. I am trying to find out what purchase this relates to - as I know I havent used this card in any clothes shops. The purchase was made a few years ago but I…
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Making sure I don't pay any interest to Capital one; advice please!
Hi, I am a discharged BR and a lot of previous stuff has recently fallen off my credit file due to passing the 6 year mark. With this I have been lucky enough to open up a full Barclays current account and as I am wanting to rebuild my credit file I have just been accepted for a capital one credit card(with 34.9% APR) As I…
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could insurance quotes be the reason I was declined a card?
Hi all, Okay so a check with experians free trial said i had a good credit rating, which is as I was expecting... the only thing I could find (and the person on the phone mentioned this to me when I phoned up to cancel the free trial) - I had a very large amount of car insurance quotes under my name. This is because I had…
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Balance transfer that search Experian
Hi there. Just managed to get my last default off my Experian credit file. Call Credit and Equifax are still showing one though. My credit file with Experien is now very good - no missed payments for 5 years. I want to get a good balance transfer card and was wondering if anyone could recommend any lenders that only use…
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Chargeback- can I use this?
Hi All I need some advice! About 4 months ago I ordered some leather baby shoes from a company in China. I asked for samples and these were sent fine so I put in a big order- £719 worth! I waited and waited and after lots of emails, I recieved a 1/4 of what I ordered and some were the wrong type and not up to standard. I…
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NatWest credit card rejection
Hi all Recently got declined for a NatWest CC at 0%. Stats: Salary £38,000 1 x Amex card (limit £1500) 1 x M&S card (limit £3500) Checked my credit rating at Equifax, Experian and everything is green except Virgin Media showing a late payment. This was due to their fault so I disputed it (and it's now been removed) and…
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Will this raise my Credit Rating?
Hi all Was really unsure where to post this but this part of the forum has the word 'credit' in the title :) Would purchasing items from places like Littlewoods on buy now pay later deals raise my credit rating? I can afford the good outright but I need the credit rating rather than the money. Thanks!
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Payday Loans
In modern age, everybody are going to work hard. They need payday loans to live easier. All bank, financial cooperatives should be supported for payday loan, which is refundable.
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Balance transfers
Hello, I need some advice badly!! My fiance currently has 2 credit cards, one with £9k on it, the other with £3,500 and this is the limit. This debt was put on by a former girlfriend of his as she could never get credit. Nothing has been put on these cards in over 5 years, but yet he has been paying them without fail and…
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Debts which have been sold
I have a number of credit card debts which due to circumrcumstances I cannot repay. It would appear that some of these companies have sold my debt on to collectors thus effectively they have washed their hands of me and terminated my contract with them. I'm now being bullied and harassed by these collection companies into…
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Credit Cards for the elderly
Hi, I have a very poor credit history/score but have over the last couple of years tried to improve things slightly by using a credit card and paying of in full each month. Unfortunately for my old mum (she's 83 you know) I understand that she is financially linked to me, as we appear together on a mortgage and therefore I…
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Natwest Account Move to Santander
Does anyone know if Netwest accounts have moved to Santander yet? My Natwest Black card is now on the 'www.natwest.com/santander' site for account management. I just called up recently to enquire about something (using the number of my card) and the call was answered. I was then passed to another person to answer the query…
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Equifax credit score doesn't match report?
Hello all I'm planning to get a new credit card in a couple of months when my 0% interest deal runs out so I did a credit check with Experian, Equifax and Callcredit. Noddle gave me 4/5, Experian rated me 'Excellent' but Equifax (who made me pay for the credit score, even though I had signed up to the free trial to get the…
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Barclaycard Interest Charges
Not sure if anyone else has had this issue, bith myself and my partner have Barclaycards (both with quite large balances at 6.9% for the life of the balance.) This month I paid £2,000 off my Barclaycard (by doing a balance transfer) and yet my interest charge was £10 more than it had been the previous month! If I had not…
