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Help - Struggling to pay of credit card bill
I have a Vanquis Visa Card and I have been paying of my monthly statements on a regular with the minimum payments however I am noticing that the amount isn't really going down, in fact it has increased. I lost my job a while back & I am struggling to pay back more than the monthly minimum amount so I am not really making…
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Fraud Prevention
Something very strange seems to be happening to my credit/debit cards. I've had my cards ranging from 12 months to 12 years and never had a problem until now. Last week, I was trying to rent a car from Avis.com for an upcoming holiday. I chose the .com site as it was slightly cheaper to it do there than the .co.uk version.…
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Equifax
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Payment allocation - Barclaycard - statement first?
I recently transfered a balance to my Barclaycard and then made the mistake of using it for purchases. The next statement showed that they would be charging me interest on the purchases as, with a transfered balance on there, the statement total would not be paid off. Ok, my mistake, and with several other purchases there…
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Cutting up my cards
I only started using credit cards this year, at the age of 27 and I fell into the trap just as well as anyone despite saying I wouldn't I currently have 3 cards, all down to within £10 of their limits. My intention was to save them for important purchases only but we all know that goes out of the window once you actually…
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First credit card - scared of rejection!
Hi all, I'm completely new to this whole world of credit. I'm looking to get a credit card for the purpose of establishing a credit history in preparation for any loans/mortgages I may require in a few years. I checked my Experian credit score and got a report. Obviously there's not much on it - I've had a phone contract…
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Halifax Clarity link won't work for me?
Every time i try to apply on-line for the Clarity card, after I fill out my details on the first page, the next page just tells me there is a technical error? This has happened every time I've tried to put my details in, over a number of weeks, and using different computers. Any ideas? Is it rejecting me for some reason?…
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Poor Credit Rating - Can i transfer a balance?
Hi I have a friend (no, really!) and he has a very poor credit rating. Are there any cards out there that he can transfer existing credit card balances to? The amounts are barely reducing because of the interest rates and he wants to start making a serious dent in them now that he is in a stabler environment financially.…
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Nice try Creation!
Just had a letter through the door offering me 0% on a money transfer on my cashback card. (I have several of their cards so had to dig around on the letter to see which card this offer applied to). Thought "Ahh a quick mini-stooze opportunity here"........ Now, reading the small print on the back, they will charge 3% fee…
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Confused about Credit Card APR!!
Hi, I've been reading the following MSE post about credit card loans (I'm not allowed to post URL links, so just add the required to front of the URL): moneysavingexpert.com/loans/plastic-loans I'm a bit confused about the 'What's the interest rate?' calculator towards the bottom of the page. As a test, if I enter an…
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Aqua credit card - DO NOT USE!
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Credit Balance Transfer Question
I have a Barclay Card with 33% interest or something. I've been told to transfer this over to a Virgin card and pay it off? I'm not sure what to do I have a good credit rating, I really don't want this credit card but it was handy at the time I went on holiday. Any help please guys?
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Tesco credit card not showing up on Experian report
My Experian report came out at 988 with the only negative factor being: "The value of your highest credit limit indicates a higher risk. Your current limits on credit and store cards show the amounts that lenders have previously entrusted you with. Having a low highest limit shows that lenders may view you as higher risk."…
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Incorrect claims of missed payments
I used to have an Egg credit card that I payed off in total last year in one large payment to get away from their overnight hike in interest to 29.9%. The following month there was an outstanding payment of £26 interest left over which I promptly paid and closed the account. To my complete amazement, a recent check on my…
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Virgin Pre-Paid Credit Card
Before I tell someone to apply who has a naff credit record for a pre-paid card, can anyone confirm absolutely zero, zilch, nothing credit check related will be done on the persons name and address? It's the Virgin one they want but in the T&C's it mentions checks to prove your identity etc before providing one - would…
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Credit limit reduced, incurred Over Credit Limit Charge
I took advantage of a balance transfer offer to move £3,000 to a Barclaycard with a limit of £3,500. A couple of months later, they lowered my limit to £2,500 without warning, which listed me as being over my credit limit, and they issued me an 'Over Credit Limit' charge of £12. Is this normal, can I argue against it? It…
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problem with paypal account
hi masters i have a paypal premier account and use paypal merchant for my shop(selling vpn) my account has been limited after doing 3 selling with paypal PayPal wants the following, but I have questions: 1-"Update phone numbers" ==> via sending Phone bill? 2-"Provide proof of delivery" ==> my selling merchandise is virtual…
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help!
hi if a credit card balance (capital1)has been on a payment plan for three years, currently living offshore, no contact from creditor in over two years, account has been reported to equifax as in default since payment plan started. now moving back in with the parents in uk, if i am now able to significantly increase the…
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No help from credit card, at wits end.
Hi all. Long and short is. I hired a minibus and paid for it with my credit card. The hire company also took a further £500.00 from my card two days before the agreed hire date as a safety deposit. The minibus was returnrd to their custody on 1st Aug 2012. Their TnC's say the deposit will be re-credited to my card when the…
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Using Metro Bank debit to take out cash abroad?
Has anyone tried taking out cash using a FX-fee-free debit card abroad? It sounds like the holy grail of holiday spending, especially in countries that don't take card or have a silly fee for card payments (UK being one of them). I have a Metro Bank account (opening it was a breeze at Holborn, the staff are so nice and…
