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BT complete, DD still in place.....
We have just completed a BT to another 0% card :beer: and the DD is still in place for the old one. There will probably be some residual interest to pay on the next bill from the old card. My question is this; When the old provider take the DD will it just be for the residual interest (prob no more than £1 as BT was done…
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MSE News: 'Irresponsible' Asda pushes costly credit card cash for Christmas
"Asda is encouraging credit card customers to use £5-a-go, plus interest, ATM withdrawals..." Read the full story: 'Irresponsible' Asda pushes costly credit card cash for Christmas
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Closing Charge Card - How will it effect credit rating?
Hi there, I have a couple of Amex charge cards for a few years now - the Platinum & Preferred rewards Gold Card. I've found the PRGG to be a much better points/miles earning card for my spending than the Platinum (since I do a lot abroad & therefore double points on all spend). Coupled with the recent increase to annual…
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Shall I cancel my debit card?
Hi everyone, bit of a dilemma, Basically I signed up to a website that was offering subscriptions to watch movies. It was offering a 3 day trial for £2.00 and then after that they would take the normal yearly cost off your car automatically when your trial ended. I've decided I don't want to keep the service and so went to…
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metro bank credit card
hi all, i took out a metro bank credit card last month and i've just had my first statement through covering 16 november to 30 november. interestingly, the interest rate section at the bottom of it says i'm on 0% interest - despite at every stage before my statement, and on online banking, the rate being indicated as 13%.…
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Asda Money Credit Card
Have you been declined for Asda MoneyCredit Card? I did and I never heard of Sygma Bank or Creation the company which issue credit cards for Asda Money. I already have Asda Credit Card (issued by Santander Bank) and this is coming to a end and Asda informed me that they have switched their association to Sygma Bank UK or…
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Proof of Electoral Register Entry
Hi. We added our names in August. I believe the register was frozen until 1st December... but it still hasn't been picked up on our credit file. My local council say they charge £15 for proof of electoral roll inclusion. Are they allowed to charge for this? How else can I get the reporting agencies to update it? Thanks.
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In a panic, where do I stand??
Hi, I hope someone can help me. I am due to go for a mortgage with my husband in January but I have somehow gone over my credit card limit by £60 this month. The first I knew about it was in a letter saying they were charging me £12. I've spent more than usual online on my card (Christmas presents) and was very close to…
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Is it worth appealing PPI rejection?
I sent an application to Capital One on behalf of my partner, however they eventually came back to advise although he didn't take the PPI out on the original form he took it out during a phone call. Is it worth writing back to them and asking for a transcript of the phone call as he does not think it was explained properly…
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Direct Debit - Is a late payment possible?
Hi I've got a Barclayecard which i took for its long term balance transfer a few monts back, up untill now, Ive paid it manualy pretty much as soon as I receive the statment. I've recently set up a direct debit to make sure I don't forget etc, however the date it has been set as is down as the 2nd of each month, my payment…
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need some good advice
hi and thanks for any replies. currently got barclaycard with £7000 on paying ok 6.9% life of balance ,if i was to take up there current offer for 6months 0% balance transfer would this be paid off first ,and after that go back to the 6.9% any help welcome cheers
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Moved House - Credit File Still Show Settled Accounts?
Hi guys, Quick question. I've just moved house and wanted to check if my credit files with experian and equifax will still list my settled accounts? I closes one CC a couple of months before I moved so clearly this company will not have access to my new address. I believe that I'm right in saying that with the CRAs, your…
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Amazon and ebay shopping with santander basic account
hello, i have recently got a santander basic account and everything has been set up i have now tried to put my details in on my amazon account but every time i have tried this is come up with a error message - Important Messages: Card number is not correct. when it is correct, please help! :mad:
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Can closing a credit card make it harder to open a new one at a later date?
Hello I have recently recieved a letter from my bank (UK Based) informing me that as I haven’t used my Credit Card for a while they are going to close it unless I use it. I have thought about this and I have decided that I would like to close it as it is not something that I use and I would like to get it out of the way.…
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OPUS Credit Card increased interest to 43.9% !!
Hi I hope someone can point me in the right direction or offer some advice. OPUS credit card has written to me informing me that they are increasing the interest rate from 31.82% to a whopping 43.9% in Feb 2013. I stopped using the card years ago when I got into financial difficulties and even had a repayment plan in place…
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Paying off a monthy credit card bill?
Hi, I am aware that you can pay off your monthly credit card automatically using a direct debit. If you don't have DD set up, you can manually enter the details in for a payment card and clear your balance this way. I am curious to know if you are able to pay the balance using another credit card from another finance…
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AQUA Credit Card & RISE Credit Card
Hello Everybody, Can people please be kind please! Anyway I've applied for one of those Aqua credit cards, to help build up my rating. My rating was shocking thanks to Falkirk Council and a few defaults. Took a few pay day loans out (paid them on in full, did not need them just wanted to increase my credit file), which has…
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Paying off a loan with balance transfer credit card
Good evening, I hae a small loan and was wondering if it is possible to pay this off with a balance transfer credit card. Tesco have a good deal on with the 22 month balance transfer and was wondering if/how i would go about it? Can i apply for the card and get them to clear the loan then may off the card monthly?
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Would it be wise for me to ask for an increased credit limit?
Hi all, I have a fair amount of debt that I would like to pay off and I am trying to find the best way to do so. My current debt is £600 to post office credit card (limit is £1400) £1315 to lloyds tsb 0% balance transfer that ends the end of dec (i have a limit of £4500) £2700 to barclaycard again 0% that ends in march…
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Credit Card Applications-do banks also check their own records
First post! I was wondering if banks check their own records when reviewing credit card applications. Specifically Barclays-I had a current account and personal loan both closed 8 years back which defaulted and resulted in 2 CCJ's caused by a slippery slope effect of other unscrupulous lenders charging very high interest.…
