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Credit Card Identify Theft
My fiance has just found out that 2 Credit Cards have been opened in his name without his knowledge. They were both applied for and approved yesterday with BOS and Barclaycard. Really quite a worringing situation and we have no idea how they obtained his information. The thing is both cards were going to be sent to our…
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Aqua Free Credit Checker
Can anyone tell me if this free service Aqua are now offering is the free anyway access that you already get from Noddle? Or does it include the extra bit that Noddle advertise and want £20 for? Thanks
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Virgin Credit Card Repeat PURCHASE offers
Hi All, Has anyone had a repeat purchase offer from Virgin recently? Not had one from them for about 18 months, and thinking of closing the card. Always offering balance transfers, but I have no need of one! Thanks
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Improving credit rating
Hi, I'm very new to the forum so apologies if I'm asking something that's already come up. My partner and I want to start looking for a house to buy (we're currently renting) but both of our credit histories are pretty empty. She's never had a loan or credit card or any form of credit (but has a lot of savings, plenty for…
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Capital One Review
Hi, I have just applied online for a Capital One Classic Extra card and when it came to the reviewing application page where it says it will give a decision, it told me their team are reviewing my application and they will be back to me in 7 days... I thought here, I would get an accepted or declined decision, so I was…
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Question about Credit scoring. Advice appreciated
Hi all, Firstly, I hope this is in the correct forum. I did a quick search, and couldn't find anything specifically related to credit scoring. Basically, I have lived in Glasgow for most of the last 8 years apart from 2 years when I lived in my parents home in Edinburgh. My phone contract, current account(s), credit card…
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Transfer auto loan to an Introductory CC
I want to transfer my auto loan to one of these introductory cc offers with no interest for so many months and no fees, but the ones I found seem to only allow you to transfer another cc balance, NOT a loan. Is there anyone who knows of a cc that will allow this type of balance transfer or if there's some other way to…
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Can one check in and redeem foursqare deals in advance?
... then go to the shop days later within the offer period? Or does one have to do it on the day or whilst in or near the shop? Thanks Colin
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Tesco 0%
Does anyone know how long a period has to elapse before you are viewed as a new customer again when applying for Tesco credit card
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Credit scores from Experian, Equifax, Noddle etc - DO NOT READ MUCH INTO THESE
Hi all, Starting this which can hopefully be made a sticky and the original post edited as more data is added. For people purchasing their 'credit score' from the likes of Experian, Equifax and Noddle - please do not pay extra for this. Reviewing your credit file is sufficient for you to see if you need to take action that…
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please help - want to get rid of CC's
Hi everyone - I posted this on the loan forum but no replies yet... Im currently trying to consolidate my credit cards into a three year loan for £10,000. Ive been quoted 11.4% by Nationwide soft search and have a few questions. How likely am I to get the 11.4% the soft search suggests, and is this an OK rate? I do have…
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Credit Card Paying Off Loan
Hi All, I have an M&S Credit Card and a Natwest loan. Just Wondered if i can pay off the rest of the loan with the credit card Cheers Tom
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Car Insurance on First Credit Card - help?
Hello! My car insurance is due for renewal in an upcoming month and I was preparing myself by looking at the best way to pay for an insurance policy. So far, I have my mind set on making an annual payment, as opposed to the monthly payments, for obvious reasons with regards to increased prices because of the interest rates…
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Balance Transfers and how they work
Hi there, if you have a credit card that allows you to do a balance transfer which is 0% interest for 12 months, and you do this but then make purchases on the card as well, does the blance transfer amount continue to earn 0% interest, or do you start earning interest on the whole amount once you start making purchases?…
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New credit card 120 points wiped of credit score.
Hello Everyone I often come here for advice but have never had to ask a question until now :) As many people my credit score has been pretty bad for a while now and over the past 18 months I have paid off the debt and had slowly increased my Experian credit score to 790 from about 300, which i was very pleased with. I was…
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Withdrawing cash abroad
I have used my Halifax Clarity credit card to withdraw cash abroad as I had no other option. I only needed a small amount but I couldn't find the English option on the ATM and mistakenly have taken out a lot of money! (Really stupid I know!) What should I do? Please help? Is there a way of transferring money from a debit…
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Black or White?
Asking for a friend who is after a new (never applied for one) Virgin Credit Card. Is there any difference in the acceptance level between the two cards? TIA
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Taken a Barclaycard CC, massive min payment issue
Hi, I wonder if you can help me. I have recently switched to Barclaycard from Capital one as my 0% interest period came to an end. I switched to a 0% Barclaycard and i have just activiated the card and discovered that the min payment was significantly more than on my previous card. On a debt of £5500 I was paying a min of…
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card for travelling
Hi I’m am taking some extended leave from work to go travelling around Europe for the next 6 months and am wondering what would be the cheapest option. I would like to take a credit card as though I have saved up, I think I could use the extra protection that a credit card gives for purchases such as flights, accommodation…
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Returned item to retailer who says it was not delivered.
Hi There, Purchased an item from an online shop, using a credit card in January. The item quickly developed a fault, so after speaking with the retailer, I returned the item and expected a refund. I returned the item on 1st Feb using Royal Mail Tracked Signed For, and the item was delivered 2 days later and signed for. The…
