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Is it because I is a rate tart?
Hi guys, I've been rate tarting myself over the past couple of years, using cards to buy everything and then balance transferring to another card when the 0% deals end. I've not been spending the money on things that I cannot afford. I've simply been doing it as a cheap way of funding the deposit for a second property that…
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credit card on household income
Hi all! My wife has no credit rating as she is new to the country. I'd like to improve this by getting a credit card for her. However, she doesn't have an income yet, but I earn and have a good credit rating. Are there any credit builder credit cards that look for household income, and not just individual income? Thanks.
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travelex cash card
hey i hope this is the correct section to post this question i went travelling for a year, and i used a "travelex cash passport". this is basically a card, that i load with money from my account ( in english pounds) and then i can withdraw money in any currency anywhere in the world. the situation.... i loaded £2000 onto…
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Still paying default when CRA showing its settled ?
I've just looked at my Credit Report on Equifax and there appears to be some incorrect information (although in my favour). HSBC Mastercard shows its been Settled in in July 2012 (originally Defaulted in Jan 09) however I am currently on a replayment plan with Moorcroft to clear the debt and if I dont stick to it they…
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Where will my payment go ..
I today received my post office credit card (literally applied for it just for going abroad as they dont charge you if you use it out there) However they gave me a MUCH bigger credit limit than i was expecting. Which has helped me balance transfer wise. Im planning to put all of my credit card balance from one card thats…
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Tesco Credit Card Fraud
Had a call from Tesco Bank tonight. It seems someone has been 'using' my card details to try and buy all sorts of things across the country and the USA. Tesco's , to their credit (excuse the pun) have declined all the transactions or so(amounting to some £1000 - £1500) that have appear since the beginning of the year and…
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LTSB Credit Card offer?
I turned 18 back in June 2012 and opened a current account with LTSB (had under 19 at the time already which I opened Jan 2012), upgraded the classic account to gold and I think I put 2000 in there, left it there for a month and a bit with no account activity as I was away on holiday, went into branch to pay in some money…
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Want to buy from china and send to nz
Hi I am in a bit of a fix. I want to buy a Chinese mobile phone for my daughter in New Zealand. I have tried to do this a couple of times using a couple of different visa debit cards (I don't use credit cards) but despite sending a copy of the front and back of the card, they weren't able to do it. I tried using Paypal,…
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International credit card interest charges
I'm travelling to Asia fairly soon and so am looking to get a decent credit card for exchange rates etc as this website seems to recommend it. However I notice that on all the best cards, it says you get charged interest even if paying back in full every month (which I would definitely be doing)? Given that I will have to…
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Barclaycard increasing interest rate the same month as increasing credit limit
I have just got a letter today from Barclaycard telling me that they are increasing my interest rate from 16.9% to 18.9%. They say the reason is there is a change in their costs, including the funding, risk of lending and operating your account. I have never made a late payment on this account and only once, a few years…
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Using Paypal to send money using a credit card
Hi all I want to send money to a friend of mine. I have a 17 month interest free Halifax Mastercard, which I would like to use. I realise there is a 3.2% fee + 20p. Are there any other fees I could be stung with that I haven't considered? I read on another forum that the credit card company may charge a "Cash Advance" fee…
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Credit Card Fees - Help please!
I've been into my Bank and called their customer services but still haven't got the answers I need. I am aware that my 0% on purchases on my credit card ends mid February, but my 0% on balance transfers still has 20months. I've been paying the minimum repayment each month for the last two months (0% on purchases was just…
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Payment 1 day late but on this months statement
Hi All, Quick question - anyone got any experience with RBS credit card and reporting late payments to CA's - I know it varies from company to company. I have just had my Feb statement through and they have charged late payment fee. According to them the payment was processed by them on the 11th - (due on the 10th). I paid…
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Default on credit file
A default has recently been placed on my credit file, it relates to something I honestly dont know anything about from 2010. Its only £77, if I pay it will the default be removed completely or can lenders still see that there was a default there but its now cleared? Theres no other payment history showing, just a default…
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Debit card query
Sorry if in wrong section. Just had a two week battle with car dealer to reject a car and get a refund back to my debit card. Eventually they agree and ask for my debit card details. I give them the 16 digit card number and expiry date. They then phone that evening (yesterday Fri 24/1/13) asking for 3 digit security code…
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AMEX PLATINUM £450 - Is it worth it?
Sorry if I have posted in the wrong area - I'm new, so if I have feel free to direct me to another thread. I've had an AmEx Platinum card for two years now and enjoy its benefits. The best parts for me have definitely been the Hilton HHonors gold tier membership, the Priority Pass lounge access and the travel insurance.…
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will changes to halifax reward and urca current accounts affect reward credit card
Does any one know the changes to the urca and rewards accounts will affect the Halifax clarity rewards credit card as well. I have the card and when you spend £300 in an account month they pay £5. However at the time I applied you could only get it if you had a reward or urca current account. If I do not add standing…
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New Customer
Hi guys If you have been with a credit card company previously but closed the account how much time must elapse before you are regarded as a new customer and eligible for cashback? Does it vary from lender to lender or is there a standard across the board? I was under the impression it was 12 months but have since been…
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Need advice on transaction amount higher than credit limit
Hi, I have a credit card with a very low credit limit, it's not enough to cover the cost of something I want to buy. Can I pre-load the credit card and then make the payment, or is there a hard limit that prevents any transaction greater than the credit limit regardless of the account balance? e.g. something costs £300 and…
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Keeping "spare" overseas capacity on a Santander Zero CC
I've had a shuffle recently and moved a chunk of money from two of my CC's to my MBNA & Santander Zero cards with 0% rates until Jan '14. I have another £1100 or so left (to be transferred somewhere or paid off) on a Mint card but also around £800 capacity (for transfer to) on the Santander Zero card. I'm due for some…
