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Credit report problem
Hi all, New to the forum but need a bit of help after searching round for the answer. I've never had any trouble obtaining credit in the past and have never missed any payments, defaulted etc etc and my credit report according to Experian is very good. I have a couple of credit cards that I'm paying off comfortably and my…
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Aqua card opening credit limit?
I've just applied for an AQUA card and according to the online application and it states they are "pleased to offer you a credit card" and states that my pre-contractual documents and credit agreement, etc will be sent to me etc. Assuming that indeed means I've been accepted? Anyway, I'm curious as to what my credit limit…
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Company credit card with points/miles?
Hi Everyone Does anyone know if its possible to get a company credit car that gives you loyalty points/airmiles? We have a small business with a regular credit card soend which is paid in full each month and are wondering if we could get something out of this like air miles? Thank you
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Help and advice please regarding balance transfer from store card
I successfully applied for a Platinum Barclaycard to transfer a balance from a Topshop (Santander managed) store card. The balance transfer has twice failed with each bank blaming the other. I tend to side with Barclaycard as they have no reason to be difficult, they want my business, and think that Topshop card are being…
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Santander123 Credit Card - 3% Cashback on Petrol Stations not valid for Supermarkets
I recently helped my mother open up various Santander accounts, and she also wanted to go for the 123 Credit Card thinking that she would be getting 3% cashback on petrol purchases. However, yesterday I spoke to someone from Santander on the phone and they said that Tesco/Morrisons/Asda petrol stations are classed as…
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HSBC Credit Card
I cancelled my hsbc credit card a few years ago to avoid interest rate hike and carried on paying it off..I don't bank with hsbc but had an online account that I could check before my statement arrived. Paid it off on the 20th wasn't due til the 8th May I did online banking from my Barclays account but I still like to…
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Addition Security using Credit Cards
Mastercard & Visa Secure Code extra Security Both Mastercard & Visa operate a Secure Code procedure that is designed to give customers extra security when making purchases on the Internet. This procedure causes a request for selected digits to be entered from your Secure Code password to confirm that it is you that is…
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Does a utility search affect your credit file??
I couldn't find a suitable section so I have put it here. I have been trying to go a long period of time with no credit searches and switched my gas and elec supply the other day. However I can see the have done a credit search on Experian and it comes up as utilities just wondering if anyone knows on here is this seen by…
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Halifax cc help
Currently have 900 on 0% with 3 months left. New BT offer for 12 mos at0% available. If I leave the 900 on and BT say 2k, how will payments rank if I pay 300 mth for 3 mos will they clear the 900 or will they come off the 2k? Should I just pay off the 900 and then BT the £2k? T & c could be clearer! Tks.
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Section 75 on faulty used car?
Hi all, 4 weeks ago I brought a second hand car for £7000 on credit card. The car had a few minor faults on it that at the time the dealer agreed to repair. However its been 4 weeks now, and despite me writing to complain to him about the length of time its taken, im still no further forward. Would i be able to claim…
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Opinions on my own credit card shuffle...?
So I have... Credit card A (Barclaycard) with limit of £2000 and an outstanding balance of £650 Credit card b (Capital One) with a limit of £200 and no outstanding balance Credit card A are offering me a balance transfer deal of 0% on balance transfers up to £1000 until July 2014 but this is also the only card i have a…
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Approved then declined for Card
Hi would like some thoughts as i'm astounded.. here goes I applied for a card and had a letter saying they needed proof of address and id. I provided passport and bill as proof. When I called they said 'you where accepted automatically by the system' but when we did more checks we re scored you and you didn't meet our…
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First Credit Card
Hi all, I have just applied for my first two credit cards and I have had my first rejection from lloyds :( . The second card was the barclaycard initial which has ridiculously high APR but I wont be spreading payments on it so doesn't really matter. My application is currently "pending" and they rang me to say they are…
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How come Barclays won't accept me...?
So tried the Barlclays pre-application thingy but i kept getting "Thank you for using our pre-application check. Unfortunately, your present circumstances mean you are not eligible to apply for a Barclaycard." Why won't they accept me? :\ I don't have bad credit I've got two credit cards one with Aqua and one with Capital…
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Chargeback Refused because couldn't contact merchant bankers
I raised a chargeback case around 6 months ago with Barclays against the Milan branch of sixt car rental . (Paid using debit card). Basically they charged us for damage already on the car when we picked it up. The case has dragged on for 6 months and we've just received a letter from barclays debit card team saying that…
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Questions about Amex Nectar card
Hello, I'd appreciate any feedback anyone can give me about this, I don't want to call them until I have all the facts or if it's something too trivial. It's nothing major but I want to make sure I have things right, I seem to have mislaid a welcome pack, which is making me tear my hair out and as I can see from posts on…
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overlimit in credit card
I had a credit card which has a limit and have been using for shopping with out keeping in mind about the balance. when I checked my statement, I was charged £12 for exceeding the limit by £3.00. this is my new credit card, have been using for few months now. Can credit cards go over limit? I am not aware of any credit…
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My Brothers first CC - Advice pls
Hi, I have finally convinced my brother to get a CC to improve his credit record. So he tried applying for one through his bank (Santander) around a year ago and got rejected. So I am assuming this is because he hasn't got much of a credit record as he lives at home, has a direct debit card and a phone contract and thats…
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RBS Credit Card - Rate Hike Attempt
Hello all I wonder if anyone has any experience of this and can give me a little advice? I received a letter from RBS a few days ago stating that they wish to raise the interest rate on my credit card from 15% to a whopping 20%. I've always paid on time and never exceeded my limit so was disappointed to be treated this…
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Beware of PAYPAL taking payments from CC's
Hi guys. Just had a nasty surprise when I logged onto my banking app this morning. To my horror, I appeared to be overlimit on my Barclaycard which is something I never do nor do I ever miss payments! I looked at the transactions and found that PAYPAL had taken my e-bay seller's fees from my credit card instead of my bank…
