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balance transfer
just a quick question, can i balance transfer from M&S card to the barclays 1? i know i cant do it from M&S to hsbc so just checking i can use barclays?
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Barclaycard
Hi, I've just paid my wifes credit card off (£6k balance) and she has phoned up to try and cancel it and they are saying she now owes another £100. She couldn't understand what the customer service man was saying but she could just make out it was some sort of charge for paying the full balance off in one go? Does this…
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call credit statutory report question
Hi Just wondered if this has happened to anyone else.. I just tried to order an online statutory credit report through call credit, however it said it was unable to proceed with my request online due to the details I had provided (everything was up to date and correct) and that I would have to print out the form and send…
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Secured loan nightmare
I took out a secured loan through a broker 5 years ago and ever since the interest rate has been hiked up, not least to mention we were advised to take out more money than we needed because it would reduce the monthly payment. Recently, after searching for paperwork to claimback on PPI's, I found a letter from the lender…
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Electoral Roll and improving credit ratings.
We moved house at the end of last year and got the confirmation letter that we were on the electoral roll at this address as from the 1st March this year. Was just wondering when this information gets updated to the credit referencing agencies please, because I checked with Noddle (callcredit) the other day and it said…
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Cedit card - Paypal
hi, I am just wondering, is it possible to add money to my Paypal balance using credit card (issued by bank 1) and later to transfer that amount to my bank account (at bank 2) ? and will I get charged at any point for this by paypal ? Thanks
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Vanquis credit card
The other day I applied for 3 credit cards I was not accepted for capital one or an aqua card even though my experian credit score said it was 'fair' and someone I know has really bad credit and they got a £500 limit on an aqua card. Anyway today I had a call from Vanquis saying I had been accepted, I had to give a few…
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Aqua Card
Hi, I was recently accepted for the Aqua Credit Card - recieved and sent back the CA. I recieved my PIN on Saturday and the letter states my card will follow in the next few days. Still havent recieved it - does anyone know if this is normal? Should I wait a couple more days before ringing? Cheers all!
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CRA Variations & New card application.
I am on the long winded route of trying to build up a decent credit history and getting a credit card to help with this. But i am quite concerned with the differences between my Experian and Equifax credit reports. The Experian report looks fine and has all my past credit and communications listed and the credit score was…
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Strange message during Barclaycard application
Just applied for a Barclaycard and got the following message after submitting my application. Please accept our apologies, we are making some changes to our application form, so that we can continue to offer you a great customer experience. Please try again later or alternatively you can contact a member of our Customer…
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Unused Credit Card - does it affect Credit Ratings?
Hi all, My journey into CC foray started a couple of years ago when (naively) I thought I would be accepted for a Tesco CC off the get-go. No such luck! My bank manager helpfully advised me to get a Barclaycard Initial. Later, I was approved for a Halifax Clarity, which is my main credit card. I tried to apply for the…
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Mastercard vs Visa
Hi Everyone Most of the best rates around are using Mastercard - Other than the Olympics are there any major obstacles or companies that don't accept Mastercard or should I not be worried? Cheers Giro
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problem with PIN number on new John Lewis Partnercard
I recently got one of these and have not yet used it to buy anything. I tested the card on an HSBC cash dispenser as I wanted to change the PIN number. I put the card in and entered my given number. That appeared to be fine. I chose the Change your PIN option and entered my chosen number. It asked me to enter it a 2nd time…
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preloaded credit card
Hi, I have a question someone may be able to help me with to save me making an idiot of myself at the bank. I have a normal Nationwide Credit Card that I accidentally payed some cash into online instead of my current account. No problem there, it's now preloaded with x amount and that will soon be eaten up, as I use the…
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MNBA 5.9% new application help!!
Hi, I just got the monthly email and I decided to apply for the 5.9% life of the balance transfers. I hope I have made the right choice. At the moment I have 2 cards that are both 19% and can only pay the minimum and I am sick of just paying interest!! My application was agreed, however I have not received an acceptance…
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Vanquis Card Questions
I just got finished on the phone with Vanquis who approved me for one of their credit cards. The women on the phone was like a robot reeling off all their offers so I didn't get a chance to ask any questions so I'll ask them here. She managed to sell me identity theft insurance which I didn't want for £6.99 a month but I…
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WANTED: Credit card provider - 0% purchases + high credit limit?
Hi, I'm looking for a credit card provider which does a decent length of time on 0% purchases AND has a high credit limit. (I have a perfect credit score) Basically I've got an offset mortgage account and I want to dump as much money as possible into the account. My plan would be to buy everything on a credit card and just…
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"Minimum Income"
Just wondering if that actually means any thing for most companies, or if my bank was just lenient because I bank with them? I was looking at some cards and I'm sort of kicking myself for not getting the Aqua reward card over the Capital one card, considering I'd need to spend £3334/year to get £100 cashback on the Aqua…
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Capital one classic free equifax credit report
I've had the capital one classic card for over a year the three free reports should have appeared on my account by now since my anniversary was start of july am i still entitiled to the free reports ? does anyone else who has the classic account still get the free reports ?
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MBNA - what are they up to these days?
I have two MBNA cards - a Mastercard which I've had about 5 or 6 years and years, and an Amex which I've had about 3 years. Used to get loads of BT 0% offers from MBNA on the Mastercard, up until about a year ago, when there was talk of them pulling out of the UK card market. I still get regular offers from them, but 12…
