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Only one free check with Experian?
I signed up with Experian for a check but it wouldn't let me log in. Turns in i registered a few years ago & forgot. I'd done the same with Equifax, but they allowed me another free check the other day. I got on the phone to Experian who gave me my log in details. They said though that if i was to go through the log in…
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MBNA card deactified.
I had a letter from MBNA recently stating that my credit card will be deactivated on 2nd April. This is because of information received from a number of sources including Visa, MasterCard & American Express. A new card with a new number & Pin will be sent within 7 working days. I find this most annoying as several…
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About to apply for a credit card.
I'm on Credit Expert at the moment and it says my credit rating is 725 and 'fair'. Yesterday I applied for an Argos card because mum's washer packed in and none of us have the money to buy one out right at the moment. Today I got an email saying I had been turned down. I am considering applying for a credit card, and…
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Excellent credit rating but still refused card application
Title says it all. My credit report is excellent. Have today applied for a credit card through my bank and it has been refused. Checked report last night and found something regarding a Barclaycard that was used years ago and settled in full, but I was still issued with a new card every now and then even though I no longer…
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Interesting (?) NatWest CC event
Earlier this week I did a few calcs and worked out that paying off the remainder of my NatWest loan by transferring an amount from my NatWest CC to my current account, then immediately transferring to another card at 0% (2.9% fee) for 12 months was much cheaper than simply paying the loan. Anyway, I made the money transfer…
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CapitalOne - pre-auth over limit?
I have one of the basic CapitalOne credit cards with a lousy £200 limit. I am soon hiring a car, and from what I understand, a deposit will be pre-authorised from my card, and will be much higher than my limit. Will the card actually allow it? If so, would I pay the over-limit penalty fee? I did actually have a similar…
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Best CC for no balance transfer
I have never had a CC. Which CC would be best for me? I do not have any balance to transfer.
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Have you ever been "Mis-dispensed "at an ATM
I am only on to ask, has anyone ever had a problem witha faulty ATM? I used a Post Office ATM (says on it owned by bank of Ireland)and as you do, I asked for cash and a printed receipt . All of a sudden the ATM had a fit , and a green light flashed and emitted several beeps and then after around a min, it simply spat the…
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Additional card holder advice needed
I want to get an additional credit card on my account for my daughter, I have tried Nat West who won't accept more than 1 additional card holder and Santander who won't accept her because she does not live at my address. Does anyone know of a credit card that does accept more than one additional card holders and one who…
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Nectar Amex Card £25 yearly fee
Just had a letter from Amex saying a £25 yearly fee will apply from now on. So shops grumble when you use Amex, many din't even take it, and now they want to charge £25 a year for the pleasure? Bye bye Amex, off to find a better credit card provider!
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Does a credit-build credit card affect credit score?
I have bad credit history, but understand that having a credit card can help to rebuild a good score. I heard that the use of pay day loans can affect your score negatively. Is the same true of credit-build type credit cards like Aqua and Vanquis? Thanks, Sue
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Vanquis query
I think I have been monumentally stupid-got into trouble 2 or three years ago with vanquis-card was cancelled-I was then able to make a lump sum payment to get the account back in credit( about 2 1/2 years ago) after that I just left the account alone,the minimum payment ( I know I know) coming out by d/d. My question is;…
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How to order your £2 Statutory Credit Report online
Below are links to ordering your statutory reports from the 3 Credit Reference Agencies: Experian http://www.experian.co.uk/consumer/statutory-report.html Equifax http://www.equifax.co.uk/Products/credit/statutory-report.html Callcredit https://www.callcredit.co.uk/stat-report-online/ OR use https://www.noddle.co.uk…
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Letting out on a residential mortgage
I recently bought my first house end of last year. I knew nothing about mortgages or anything like this so went to see a few people to know where to start. I went to see Barclays and they said i would qualify for a mortgage, i asked them if i wanted to rent it out for a short period could i? They said yes thats fine as…
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Credit card limits
Hi all. I've been using this site for over a year and have found it really helpful in guiding my money management so thanks to everyone who takes the time to help others and offer invaluable advice. I currently have 3 credit cards. 2 have a total balance off around £3000 on 0% deals, and the third is empty. The empty card…
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linked address in credit report
I get a free half yearly report through Equifax and when I requested for my report today, there is a linked address which was a different address from where I lived in before. Will this linked address affect credit rating? If so, how do I get it unlinked?
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CC/Paypal Question
If I make a payment to someone with my cc via paypal (not ebay) would it be classed as a cash withdrawal? Somebody on another thread said that when they made a deposit to a bingo site with their cc (direct, not through pp) that this happened so it got me wondering. I've got a santander zero card. TIA :)
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Caital One
I have been paying off a capital one credit card for around four years by direct debit (the card was stopped and so was the interest). I have never received any statements to the fact. Recently I got a letter telling me they had sold my debt to CapQuest. They say that I still owe £779. Now Cap Wuest are harrassing me on…
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How to close Capital One Account?
Hi all, sorry if this has been covered elsewhere on here. I'm planning on applying for a %0 balance transfer offer to shift my Capital One Card balance. I would imagine the sensible thing to do if I am successful would be to close the Capital One account. I don't fancy spending an eternity on the phone trying to close this…
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Credit Card charges made by Merchants
I would be grateful if someone would clarify as to the legitimacy of charging to use a credit card? I seem to remember the rule Visa & Mastercard used to apply forbade it and merchants could loose the service if they charged when cards were used? It appears to be on the increase and when I questioned my insurance broker…
