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Amazon MBNA card ?
I recently applied for the Amazon MBNA master card as i use Amazon a lot so thought i could make use of the £10 e vouchers every 1000 points. I have just had an email back from Bank of America telling me i have been denied due to the provided information and Experian credit score along with there experience. Now this makes…
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MasterCard vs. VISA foreign exchange rate?
Which FX rate is better — the MasterCard or VISA one? Would be cool to see a daily and historical comparison. This is important for those considering which load-free credit card for use abroad. MasterCard: - Halifax Clarity - Aqua - Sainsbury's Gold VISA: - Nationwide Flex
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Credit card searches
Hi there, I have applied for 2 credit cards & 1 hpi finance vehicle, in the last couple of months, I have now put myself on the voters roll, as I was not on it & believe this may have been the reason I was declined as I do not have any adverse credit, & I do have a mobile contract,a current account & a credit card. Can I…
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Good Credit, Perfect Bank Account- Refused Credit Card
Hi All I really need help as I have had conflicting advice so far. I defaulted on a loan in 2005. I then agreed a payment plan (paying less that previously agreed) with the bank which I have been paying religiously for the past 6 years. I am now looking to buy so got a credit report and the defaulted loan didnt even appear…
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56 addresses on credit file - is this ok?!
This afternoon I applied for a Halifax Clarity credit card but was rejected. I was quite surprised by this as I bank with Halifax already and have their "normal" credit card at the moment which I tend to spend between £50 & £500 a month and pay off in full every month. Anyway I thought I'd check my credit reports to see if…
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Why does nobody want to help?
I have worked since i was 16 and went to Uni and have worked full time since graduating. In the start up of life i opened 4 credit cards which fairly low amounts. I now have £5k across the cards to pay off with ridiculous amounts of interest. All i want to do is transfer them onto one card but nobody will help me. I just…
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Bank Of Scotland wanting proof of id and address with returned application
Well my partner has been approved for a credit card with Bank Of Scotland (shifting the debt from an old card to a interest free card for 18 months) and she got the acceptence paperwork back last week. Been unable to sent it back yet as we have had to deal with a family funeral in the last week. Anyway, they are asking for…
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Balance transfers con or not?
I have 2 credit cards both with £6k on each I pay more than the minimum on both and can afford the payments fine. My credit card providers keep putting up my limit and I have put them back down recently mbna put the limit up to £13k but the interest free period is running out so I thought I would look around. This is where…
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Is Experian's score really a random number or worthless?
Just recently signed up again for credit expert where before just got the stat report but read posts about how much the layout as changed since last year and I know I have a decent credit rating so wanted to see what Experian would rate me. Now I know they don't take income in etc but how can it be a random number when I…
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If I use my halifax clarity card at atms abroad will it effect my credit score??
So I'm going traveling to asia for 7 months or so and was fully ready to use my Halifax clarity card for my spending- ie. drawing money out of atms (as apparently its the best value for money etc.) My friend has just told me tho that i should NOT do that as it has a negative effect on my credit score so i would struggle to…
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Pay Orange Barclaycard in branch - clearing time?
Hi, I Have an orange credit card, administered by Barclaycard. I'm nearing the limit, but want to use it at the weekend, and will be paying off quite a bit tomorrow. I normally pay by debit card online, but it took 3 days to show last time. Can I pay in cash in a Barclays branch, and if so, will it be credited on the…
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Balance transfer card for wife
Hi I've recently got an MBNA 5.9% for Life card. If my wife was to apply for a Balance Transfer card would it be better for her to avoid MBNA as they've recently lent to this address, and we are financially associated, or is it likely to make no difference? Many thanks.
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idem servicing
hi, i have two credit cards with mbna which are both on repayment plans with no interest being added. today i recieved letters advising that both are being sold to idem capital securities ltd and will continue on the arranged plan with conformation there will be no fees or interest charged. has anyone had dealings with…
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Balance Transfer to 0% card
I recently came to the end of my 0% period on Barclaycard. I am thinking of transfering my remaining balance to a new 0% deal before paying it all off, but I've had a few letters telling me I can get 0% till next year on balance transfered to my Barclaycard from other cards. I'm a little confused. Does this mean that if I…
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Santander 123 cashback card/ Booker LTD merchant code.
Does anyone have any idea what merchant code Booker LTD, the cash and carry group, use for their visa and mastercard transactions? I've got a Santander 123 card that earns 1% cashback in merchant codes 5411, 5499, 9751. I've used the online tool HERE: http://www.santander-products.co.uk/credit_cards/cashback_search And it…
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Credit Card Sells Balance - Any Options??
Hi I've got a Balance on an MBNA C/Card that was frozen and I pay an agreed amount each month by SO. I've got a letter to say they have sold the debt to Britannica Recoveries administered by Moorgate. From other readings I guess this has been sold on at a substantial discount. Is there any mechanism whereby I can "buy out"…
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Credit card fees
With all the PPI claims in the news it got me thinking about an annual fee I was charged by Barclaycard as a student which I wasn't made aware of when i signed up. Any joy on claiming that back plus the interest from over 10 years ago? It was a student barclaycard and they tempted you to sign up with a free mobile phone…
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Balance transfer to existing card,already with a bt on it.
What are the consequences of transferring another balance to an existing card, that is already paying off a (0% interest) previous balance transfer. I dont spend on the card, and the existing transfer will be paid off by the end of the interest free term(Dec this year). Barclaycard have sent me a letter to say I can…
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Advice on balance transfer?
So I currently have an M&S credit card with the 15 months 0% interest which I am sure is up soon and I want to transfer the balance to another card. The current balance on the card is approx £4800. I have applied for a Halifax 22 month balance transfer card…
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Using pre-loads abroad - beware
Hi, I'm new to posting so hope this is the right place and all that. Our son took out a Caxton pre-loaded card for Camp America as it was the card they advised and it appeared on Martins site too. Whilst we topped up the card regularly our son was hardly able to use it. It didn't work in any shops and spasmodically in…
