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Vanquis interest and finance charges for refund?
I made a payment to Google Play on my Vanquis Visa card in February and I was refunded in the following statement before the payment due date however Vanquis have charged me 'BILLED DEFERRED FINANCE CHARGES' and 'PURCHASE INTEREST'. I rang them up to query about this as it didn't sound right and apparently as the refund…
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Had a letter from Vanquis stating I have an increase..
It states my credit will be increased from £1000 to £2000 on 9th April, it also states I must make payment on time and stay in my limit which is all fine. However how strict are they as I currently only have £14.00 available on my card, I have made a £50.00 payment a few days ago which is £8.00 above the minimum payment.…
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Difficulty in getting a credit card
Hi my 26 year old son is having difficulty in getting a 0% credit card, whereas he doesn't have any problems in getting credit, having recently bought a leather sofa on credit. He hasn't ever had a credit card, does have an overdraft facility which is aways used to the max every month, but has no defaults on anything. He…
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Credit Card or Debit Card
I currently have a Tesco Credit Card with a large balance. Recently I have been using a Debit Card which gives 3% cash back of my utility bill. My spend is about £700 a month which I load the debit card with. Would I be better paying this money into my credit card (thereby paying of part of the old balance) and using the…
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Paying by PayPal in Store - Section 75 ok?
Several stores (eg M&Co) are now accepting PayPal in Store as a payment method. The charge can then be directed to a Credit Card. The question is, what are the implications to your Section 75 protection? Anyone any ideas?
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Should I pay off?
Hi I received a letter from my cc company advising that they were increasing rates and if I didnt accept then they would effectively freeze my card against using further, which is no problem. I have been reading that having available credit available improves credit scores (which again, my credit history is good but my…
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What do you do with your cashback?
I was just thinking about what I will do with my cashback and was wondering what other people do with theirs. Do you treat yourself? Or knock the amount of the cashback off that months bill and save the equivalent amount? I think I'm going to spend mine on some more photography equipment.
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Equifax innacuracy
Sorry if this is in the wrong forum Just got myself one of those free 30 days things with Equifax. Everything seems in order except for the financial associates part. It lists my wife, except it lists her old name. Just wondering how you go about changing this, if at all possible? Everything else is accurate other than…
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Avoid Equifax
If you need to check your credit rating use Experian and avoid Equifax. Equifax appears to be cheaper than Experian but after signing on-line it asks you to call them at 5p a minute. It migh look cheap but they make sure you are kept hanging on for long enough so that they make money off you even before you are fully…
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Credit card application and scoring...
I recently applied for a credit card for someone with bad credit, as i was discharged from BR in 2009. Much before then my score was poor, about 350, but i managed to get a contract phone and had that for about 10 months, so was hoping my score would have gone up in that time. Upon being declined, i went back to check my…
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Info needed to transfer balance
I am wanting to transfer some of my balances as some of them are coming out of the 0% period and also, if you've seen my earlier post, I have a lot of cards so want to combine them so that I don't have quite as many thus making payments more straightforward. I will be transferring balances to Nationwide and Natwest. What I…
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Amex Eligibility and credit limit questions
Hi Am thinking about applying for the Amex Platinum credit card. Any ideas what Amex look for in the applicant and what their criteria normally are, apart from what's mentioned on their site? My credit file so far: 1. 4 credit cards (two prime - Lloyds Platinum & RBS World -> Used them for balance transfer etc and the…
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Barclaycard Question
Hello :) Just a quick question to anybody who owns a barclaycard. Online it's telling me my last statement was 6th March. I hadn't received the card by then so it was a £0.00 balance. So, does that mean that my statement will come in on 6th April, 6th May etc... If yes, does that mean that any transactions I make for…
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getting dodgy charge back
Hi, Earlier today my wife (in my absence) used our joint credit card to pay for a EHIC card. These should be free from the NHS for European travel, but my wife Googled it and though she should've known better, she ended up paying £20 for the card from some unofficial website in Luxembourg rather than officially (and free)…
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The BEST Credit Card for Rating Building
Hi all, I'm in a position where I'm saving for a deposit for a second house (renting out my initial house) but I have a poor ish credit rating and have been turned down for a Mortgage promise. Basically I'm 6 months away from having this deposit so I'm after the Credit Card which will build my credit score as quick as…
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Default Sums Served by Amex
Hello All, Please excuse my naivety here, hoping you can help. I recently recieved a default sums notice from American Express for the lofty sum of £12. This occured from the following: £46.23 of purchased were made between the 5th of Jan to the 15th Jan with no previous balance / monies owed. A further £42.75 of purchases…
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To card or not to card, that is the question...
Hey all, long time reader first time poster. I hope you'll forgive my first post here being one asking for advice. I'm more than willing to offer advice back where I can. I need a new car. I want to spend around £6,000 on a second hand one from a dealer and I'm looking at how to best finance it. So I called my bank today,…
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Transferring partners balance to my credit card
My partner has a terrible credit rating and a hefty credit card bill, while I have an excellent credit rating and no debt. We are trying to sort out his debts and I wondered if it would be possible for me to open a 0% credit card and transfer his balance into it. He would then pay me to pay it off without incurring the…
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nationwide soft search
Done a soft search on nationwide Credit card, came back with limit of 1200 and apr of 19.9 .. Good chance or not?
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Lloyds TSB platinum credit card application
I applied online for a Lloyds TSB credit card to transfer my balance from Barclaycard, this was on 20th Feb. The 'no reply' email I received confirmed receipt of the application and said I would receive a response within 4 working days. 2 weeks ago I rang them and they said it was delayed and they would get back to me…
