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Additional Card Holders under 18
Hello My 17 year old son is going away on a long trip with a friend (6 months) and I was wondering what credit card companies still allow you to add a under 18 as an additional card holder? I don't want to mess about with debit cards or prepaid cards and I'd prefer him to have the protection of a credit card. I know…
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Credit Reporting Agencies.
Hi Guys, Apologies if I have posted this in the wrong forum. Just a quick question. Is it possible for someone (not me) to get their credit report without having to give their current address? A friend would like to know what is on hers, but due to very personal circumstances, she can't let the CRA know her current…
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Different Due Date, What Now?
Little confused here. Usually when my minimum payment is due, it would be the same day my statement is produced (I always assumed they where the same thing?) I made payment for the 30th of July, but they are now telling me my actual statement will be produced on the 3rd of august... (even though the due date was the 30th)…
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Colour of Santander credit cards
This might be a dimwitted question but I was wondering whether the Santander 123 credit card and their normal credit cards come in black and red respectively or colours are just mixed. Context is just that I applied for the normal card yet have received a black one, which on the website is shown as the 123 credit card.…
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Only 90% of the available credit can be transferred" WHAT!?
From my understanding it means if I have a credit card with a £2,000 limit and it's £1,900 in debt already, I could only transfer £90 to the new credit card? Is this right? If it IS right, what's the point of getting a new card and balance transferring anyway?
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credit for a car
hi, does anyone know roughly what score would be required to get a car on lease eg from any of the major dealers or from nationwide leasing - anyone have any experience? Doesit help if I have a cheaper car too - looking at no more than £200 a month. How far back do they go? 3 years? 4 years? or the full 6? Im just after…
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Vanquis & Impact collections.
Vanquis and Impact collections have many numbers that they call from. From what i believe they think that if you don't recognize the number you will be more inclined to answer. Similarly if you know its them you wont answer. Here is a list of numbers that Vanquis and Impact collections use, out of 94 numbers there are only…
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Unable to obtain credit. Advice appreciated
Hi, i'm posting on behalf of my girlfriend and would appreciate any advice about obtaining credit, specifically credit cards. The problem is my girlfriend cannot obtain credit anywhere since the 'credit crunch'. Strangely, when she first moved here, all her credit applications were successful. She is an EU national and has…
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Credit Card for people with bad credit
I went bankrupt in Dec 2008 and was released a year later. I am looking at getting back on the property market again in the next couple of years but to do this I will need to build improve my credit score. I tried applying for a credit card (Capital One) for people with bad credit or who have been bankrupt for more than a…
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Amending direct debit - Virgin Money
Recently changed bank accounts and did the switching of DDs and SOs myself as I know the banks' own services can be poor. Via Virgin Money credit card site, I was only given the option to "cancel" my existing DD, most other sites offer you the ability to "amend". So cancelling the old one and setting up a new one has…
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Helping a relative with financial affairs
Hi, I'm hoping to get a process set up which stop my mum who lacks the mental capacity to make her own financial decisions on a full time basis. I need to stop her opening any more credit cards/bank account overdrafts etc then just set up a cash account where can she spend money as she wishes with myself managing her main…
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Nat West 18 months 0% longest EVER open-to-all deal
Hello, I just tried to apply for the Nat west 18 months 0% card but have not received a response from them letting me know if I was successful or not. Does anyone know how long it normally takes? Thank you for your help.
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Tesco Credit Card Scam!
So Tesco bank seem to have adopted a practise of charging you an over limit fee if you go anywhere near your limit. If you are £8 below they will wack on a £12 pound over limit fee, which will then take you over, giving them an excuse to do the same thing the following month. The cheeky customer service lady tells me I…
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What deal should I look for?
Bit of backgroud info, we are off on holiday in 6 weeks time, we had some money saved up for spending money but due to unforseen circumstances we have had to use our savings and are now back to zero! After our holiday it is the run up to christmas (our little boys birthday is on boxing day so that time of year is even more…
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How long for a chargeback?
Hi - To cut a long story short, my credit card provider has initiated a chargeback against a merchant for a charge made under duress. Quick question, how long would you usually expect the chargeback to take and for the money to be back in my credit card account?
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Card to improve credit rating with Experian and Equifax
Hi there, Realise this might have been asked before, but couldn't find a thread. Checked credit reports on Experian and Equifax. Seems only negative is that I'm not credit active. So, have applied for Capital One Classic card to start building a good credit history. Looks like Capital One have only searched Experian. When…
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Balance Transfer from MBNA Amex Account
I have been trying to make a balance transfer from my MBNA American Express account to my Barclaycard account. When I enter either the Amex or Visa card numbers into the Barclaycard website it gives an error saying I cannot transfer from that card! Is this because there are the 2 cards on the MBNA account and the transfer…
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Transfer error.
My partner decided to put all the cc debt on one card, so she transfered 6.5k worth of cc debt onto the amazon credit card, then she found out that it wasn't 0%, now we've got even more debt and 18% PA rate on the transfer. Is there anything we can do about this?
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Tesco 6% loan
Hi folks, Anyone got expierance of tesco loan at the 6%apr? I know it will be dependant on Credit ratings/current loans etc, however the boy at work is looking into it, but is not wanting to apply if he gets rejected or accepted for a higher rate (he already has an acceptance for a 6.5%apr loan) He says his cerdit rating…
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Confused over Barclaycard payment
I booked onto two courses a few months ago for £600, so my last statement came to £600 odd and I assumed I would be paying this on my payment date, which is 10th August. I was panicking about spending so much money and felt quite relieved when the university contacted me to say they had been cancelled due to lack of…
