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Expat in UK - Credit Building Help
Hello All, Need your help to make sure I am building my credit in the right way. I moved to London last year through marriage from USA. Below are the steps I have taken after reading various forums to get credit profile off to a right start. My spouse and I are thinking of buying a house next year and I do not want our…
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What should I do with these balances?
Card A £3300 5.9% life + £2300 0% until end of year (payments are coming off the 5.9% part until end of the year when the 0% rate will rocket) Card B £3000 6.9% for life of balance Should I wait until card A deal 0% comes to an end and transfer the whole balance to a long term 0% deal? Is it worth transferring card B to a…
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New(ish) to Credit Cards... Halifax Clarity
Sorry everyone, complete idiot here... I have rarely used a credit card in my life, so would like to check some things. I have a Halifax Clarity card, and I used it last year abroad, and was very happy with it, but I want to check: 1. How long do I get to pay the money back? Is it always 58 days, or can it sometimes be…
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Building Society Is Delaying the Transfer Of My Fathers Money HELP!
Hi I'm having trouble transfering out the money from my fathers Jamaica National Building Society Account (I've got Power of Attorney) to his Barclays account. Even though they received my request in writing (recorded delivery on the 27th of February 2013 they have delayed and delayed. I've written again and sent emails…
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Capital one fraud letter.
Hi, Did anyone receive a fraud letter from Cap one recently?. It seems my card is one of many that "may" have fallen into the hands of fraudsters, how is that possible?!. I have called them, they confirmed it, but were very vague how this happened, now i have the hassle of having replacement cards & sorting out direct…
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Minimum Payment & Credit Score?
Hi I currently have 2 credit cards on the go, one with a balance of £5800 the other £3000. Both are 0% until March 2014. I always pay a little over the minimum payment every month, I wanted to know if by paying the minimum paying or just over by £100 or so if it has a negative impact on my credit score/file as I am…
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Debit Card
Does anyone know whether there are rules regulating the stopping of a payment on a debit card by the bank - by the bank's fraud department? I made a payment on my debit card for car insurance, the bank called the following day to check it was a genuine payment and I told them it was. The assistant then said they would…
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Making Full Repayments on 0% Card?
Just today I have received my first credit card. Despite being a student with no other job, my bank guaranteed me a 0% for 12 months card, which I happily accepted. My plan is to build a good credit history for when I leave uni and I'll be using the card to buy my monthly train ticket, etc. Now, my original plan was to pay…
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How long to get on Electoral Register for CC purposes?
Hi, I'd appreciate some advice... Even though I'm a professional earning a decent wage, have a mortgage and an exemplary credit history including managing 2 credit cards (have checked with the 3 main agencies) I have just been offered a very low credit limit on a 0% deal (13 months as opposed to the maximum 21 months…
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Registering with London Mutual Credit Union and credit search
I want to register with the London Mutual Credit Union in order to open an ISA with them (they offer an amazing 3% but you need to either live or work in some of the London councils). However, at the end of the online application process (which is simply to become a member without applying for any product), they say: Do…
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Amex Moneyback Card - First 6 Digits?
Long story, but I'm trying to work out my entire credit card number from an Amex Platinum Moneyback credit card from 2007. I've got most of the last half, but still need the first six digits. I think it might be 3717??, 374604, 3764??, 374691, or 374693. Does anyone have this card and can confirm the first six digits of…
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Tesco Credit Card
I have a Tesco credit card. It's limit is low. When it is used (by my wife or me) and it would take us over the 'awarded' credit limit, rather than refuse a payment it allows it and then charges me 12 pounds because I've gone over the limit. Pretty much every month. Is this right or even legal? They won't increase the…
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Vanquis Credit Limits
Does anyone know when Vanquis actually increase their credit limits? I have had a card with them since 1st December 2012 and no increase as yet...
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Spending abroad
I am off to Ibiza for two weeks shortly, I currently have a Nationwide CC, Tesco CC, Lloyds TSB Avios CC, Barclaycard Platinum CC & a newly applied for Post Office Platinum. None have balances which would be best for spending abroad in case of a emergency it looks like the Nationwide / Post Office unless I am missing…
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What should I buy with my credit card?
I have recently received my first credit card and have no bad or good credit history except a monthly phone contract and student loans which I am still receiving. I got the credit card to get the cover when paying for a holiday. I only ever buy things that I have the money saved up for already so I will be paying off any…
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Am I covered?
Hi, this is my first post here and can't find any answers for my question elsewhere. Soo...we were travelling Australia then... In December we booked a trip to Fiji, we booked flights, hotels, and a seperate trip to the islands. Once we were on the islands, exactly half way through our 10 night stay we were evacuated…
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Tesco for euros on credit card.
I live within walking distance of a Tesco store that has a bureau de change and I need 100 euros which will cost me £87.38 If I order and pay online and collect them instore. I noticed this on their order page. Tesco Credit Cards If you pay with your Tesco Credit Card, there's no cash advance fee (excluding Tesco Business…
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Barclaycard - lowering APR? Closing account?
Hi all I signed up for a Barclaycard student credit card several years ago. I asked about two years ago about changing the account type / getting my APR reduced / credit card limit increased and the person on the phone shrugged and said nothing they could do. When I signed up, I would have provided my student income (which…
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Barclaycard cash back - Annual fee
I have had a Barclaycard Platinum Visa for many years and have recently been accepted for their cash back card. I use my credit card for practically everything and as a result have a considerable monthly spend. I always clear the balance in full each month. I will benefit from having the cash back card unless I am…
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AMEX Platinum Cashback Card - Minimum monthly use?
Hi, I applied for my card and it will be with me in a few days however I was wondering if there is a minimum number of time you must use the card per month to get the cashback? I didn't see it written in the terms but I thought I heard that this was the case from somewhere?? Thanks in advance.
