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building credit
I have just taken out a capital one credit card (after being refused by barclaycard and NatWest) and I want to build credit for long-term things like a mortgage and maybe a loan. What is the best way to do this, use the card every so often and pay the full balance? I also have an overdraft and phone contract. Thanks
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Is there a need to update your home address for previous credit suppliers...
...that weren't updated when they should have been? Eg Address A - started a mobile contract Moved to Address B but didn't update contract Address as planning to cancel. 6 months procrastination later - cancel contract. So, credit report shows an old address and cancel date of 6 months after living in new address for an…
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Capital one decsion
Hello am new to this forum I was wondering if anyone can help me out, I applied for a capital one classic card online today I swapped Internet pages why it was doing its credit check and when I went back onto the cpital one page there was a credit agreement for me to sign,then on the next page there was a message that…
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getting credit agencies to swop info on me?
hello,and thank you for looking ,i did my credit reports last year and basically they wasn't bad ,but experian and equifax both had half of my info each,, so my experian had all my mobile contract ive never missed payment on for 1.5 years and equifax had 2 years of sky internet ive never missed, so if they both had both…
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29.9% APR on barclaycard? ('fair' credit rating)
Hi there, I recently applied for a barclaycard to use while away on honeymoon. we have the cash saved for spending money but I thought it might be useful to have a little extra. The thing is, the card they offered me has an APR of 29.9%! This seems a little high to me. According to experian I have a credit score of 874 and…
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barclaycard "new" freedom cards - problems balance transferring
Hi everyone Just a mail to warn you all about problems with the latest Barclaycard Freedom cards being issued. My husband has had his for about four months and he spent a fair bit over Christmas. So we wanted to balance transfer it to one of our joint cards, as it had a 12 month offer on it. It won't work. And it won't…
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Barclaycard
Hi All, Just a quick question, have Barclaycard got sticker when accepting application for a new credit card? Applied on Thursday and the application was referred and just spoken to them now and they have declinded my application only wanted to 21 months 0% @ 1.45 fee. Had a barclaycard but this was settle in July 2012 and…
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Exporting Lloyds TSB transaction to CSV problem
I exported my Transactions to a CSV file and opened it in Excel. The Transaction Descriptions are all missing, so I don't know what the transactions actually are! Another bug. :( PS. This should be in 'Budgeting and Bank Accounts'
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Repayment cover is this ppi???
Hi all, i took out a cred card in 2002 with halifax and ive jst found some old statements with repeyment cover included in then, looking at my recent statements this is not on them anymore what im wondering is if this is a form of ppi that was included and if i could claim it back looking at the ppi claim forms on here…
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C/C application v Credit score
Guys, Wanting to switch my c/c to another lender, as im with barclaycard just now. I've tried phoning to see if they would lower my intrest rate (which is 24.5%) with no joy, so wanting to be smart and move to another card with a 0% My credit score is top notch according with experian (999) but was wondering the impact of…
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Santander credit card fail
Hi all, Wonder if anyone else is having or has had the same issues I am. I've had a Santander card for years and for the last 12 months or so had a bill payment set up from my bank (HSBC) to pay chunks off my balance each month. This has all been fine until the other day when I get a call from Santander collections saying…
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Using credit card 'cash' to help?
My credit rating has been pretty poor due to missed payments a few years ago, and in the past I have tried to apply for a new card in order to attempt a 0% balance transfer but have been declined. In the past year or so, my payments have all been on time and I am very, very, slowly working through the credit card debt. I…
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Just been turned down for a Lloyds TSB credit card
I've just been turned down for a Lloyds TSB credit card !! I already have a Halifax one (pay my balance in full every month) and was wanting to swap to Lloyds. From the Lloyds website: We consider a number of factors when making a lending decision: your employment status, e.g. if you’re unemployed or you’ve only been in…
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Creation Finance - Annoyances/Rant
Has anyone else had the misfortune of dealing with Creation Finance/Sygma Bank? Mine specifically dealt with their online section. To go back in time slightly, I missed a payment with them by a few days, (because, in my mind, their online system is confusing, in not telling you whether you've actually made a payment) this…
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Best Credit card Services???
Hello All, Can anybody tell me the best credit card company? I am looking for the services. Thanks Chris _______________________________________
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Nationwide Select Foreign Usage Fee
I've managed to get the max cashback from Aqua :) :( and I don't plan on using it much any more So I got a Nationwide select card, and AFAIK it had no foreign usage fees, and it was a "Top travel card" but just clarifying is this only for Europe or to other destinations as well? It doesn't really affect me at the time…
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Capital One classic Visa
Hi! I've just taken out a Capital One Classic Visa (credit builder) I have 2 questions: 1) Is interest applied from the point of transaction untill the balance is paid off? So for example, I pay for £20 of shopping and pay it off a week later, interest will be charged for those 7 days? It doesn't say anything about an…
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Halifax Mastercar Does Not Show Running Balance
Hi all, I have a Halifax Mastercard which I only use for online purchases and then pay it off immediately. When looking at the statements online there is no running balance only your current balance at the top of the screen and no indication of how you got there. Also when you click on "recent transactions" you get…
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Tesco Credit Card interest charge 0% purchases
So, just logged in to my Tesco credit card this morning to notice i've been charged £32.21 interest in the middle of 2 bills due to my 0% purchases expiring after 15 months (I thought it was 16 and intended to clear the card at my next bill). So, phoning Tesco and explaining so much, I requested that if I clear my entire…
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Barclaycard and 'Leisure Time' scam. Help please?
Hello. I googled 'Leisure Time scam' and this website and forum came up. I have receive in the last couple of days a glossy brochure from these people saying I had a mail order and also signed up to there membership - I didn't! I did order something over the internet with Ideal World (no signature) and Ideal World is…
