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Barclaycard Initial
Hi all Just a quick post about Barclaycard initial. I was made bankrupt in 2007, and have struggled to rebuild my credit ever since, having lost my job not long after this and falling into debt again just 12 months after declaring myself bankrupt, my credit score has been pretty unhealthy for some time, however after…
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Barclaycard Platinum balance transfer card
Applied for and thought I received a good balance transfer card: Barclaycard Platinum. I received the card to today and after activating it I transferred the balance from two Capital One cards thinking I was getting the 18.9% APR. Checking the online statement this afternoon, it appear I'm paying 29.9%. It's still an…
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Is a Credit Card the way to go? If so which one?
Hello all, Apologies for the probably very simple questions, but I've never taken out a credit card and while there are some really good guides on here, I can't seem to find an "idiot guide" on the basics, so sorry if these are foolish questions: 1) What exactly can you use a Credit Card for outside of High Street Retail…
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14 day cancellation and creditfile footprint
Hi Please someone could confirm my understanding If you applied and got approved a credit card and cancel the same with within 14 days of Cooling off, the credit search be still recorded and it WILL NOT be wiped off as a result of cancellation?
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Rbs 26 month 0% decline?
Hi guys, Over the past few days i have cleared off a lot of debt, paid off a loan in full and paid off a credit card in full leaving a low balance on a third card. In order to get this cleaned up I decided to apply for an RBS 26 month 0% card, I have never been bad with credit (never miss payments, all payments up to date,…
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Credit Card Closed - Hotel booked?
Afternoon All, Quick query. I have my first ever credit card in my hand, and have had it for a few months. the 6 month interest free period will be ending soon and I will therefore be balance transferring over to some over bank/card. If I make a purchase for a hotel now, for a date after I will had gotten rid of my card,…
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Online capital one statements
I have just switched to on-line statements with Capital One. However when I print the statement, the paying in advice states 'duplicate cannot be used' I like to take cash to the bank for this particular card. Has anybody encountered this & how do you get round paying without the advice, do I have to phone Capital One for…
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How long to complete a dispute with Barclaycard.
I'm currently in a dispute with a purchase and have found Barclaycard to be slow and unresponsive. I purchased a new front door from a local company who seemed very capable and professional. Against my untrusting nature I did not bother to get a drawing of the door unit with dimensions as the salesman at the shop seemed to…
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Any one offering 'quotations' and not full searches?
Looking to shuffle some 0% balances to a new card. Will need a minumum 3k credit limit, so don't want to be making multiple applications if limit is below 3k. Are there any lenders who can offer a quotation before making a full application? Thanks
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paying builders
I having some work done on the house and tho there has been no mention how to pay i wanted to pay on a credit card as if anything goes wrong i have more chance of money back. what if boss (not on site) says cash or debit card do we get any protection from using a debit card? what if he says can use CC but will charge you…
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Default fee - common practice?
Hi all, curious about this one. Made a whoopsie on the 9th May and made a transaction on a card that didn't have room. Natwest wrote to me on the 14th May to tell me they had a applied a default fee. I realised my mistake and made a payment on 17th May to bring it back under limit. Received a second default fee letter…
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Debit card fraud
Not sure if this is the right forum section (couldn't see one just for debit cards) but here goes anyway. Having just been temporarily defrauded of £25 by misuse of my debit card details, I'm going through all of the inconvenience of stopping the card and having a new one issued. This means that until I get the new card, I…
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Visa v. Mastercard
I wonder if anyone knows who has the better exchange rate (Visa or Mastercard) when purchasing in the USA. I have tried checking online but the Mastercard website doesn't seem to be working for me.. I'm just looking at the exchange rate, not the loading fees of the issuing bank.
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Capital 1 Aspire - no foreign exchange fee?
In the MSE Cheap Travel Money page the Capital 1 Aspire World is recommended as having no foreign exchange fee on overseas spending. Yet in the Terms and Conditions for this card, it states: 14. Foreign transactions. Should you or an extra cardholder use your card to make a purchase or a cash withdrawal in a foreign…
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Advice on best way to pay off bills
Hi all. I recently found myself in a credit card an payday loan trap which I tried long and hard to control and get out of. I was capable of getting out of it with my income but it seemed like every time that opportunity came something went wrong in my life and I ended up using the money else where and not achieving that…
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Advice Needed-Over Credit Limit
Hi Everyone, I need some advice about my credit card and I've been looking all over the place and can't find an answer. I've got myself into a bit of a pickle and I'm not sure what happens now. Basically, I pay off my credit card in full every month. The reason I got it was to save points. Anyway, last month I went over my…
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CC poor history?
Can anyone suggest a CC for someone with poor credit history. I keep getting turned down can only use my debit card.
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Vanquis transfer
I have been concerned that Vanquis would not permit me to transfer a balance to my Barclays platinum card.I set up a transfer via the Barclaycard site and now it is showing on my account as a BT.Vanquis should now show a zero balance,But as of today it is still showing the full amount. Is it just a case of waiting for…
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credit card charge
is it legal for companies to charge you for using a credit card to pay for something? I want to buy a car for £4000 and the car company is charging me £50 if i pay by credit card
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Am I Able To Make A Section 75 Claim For This?
Hi All, Some advice required please!! I recently bought a second hand car from a dealer, using my credit card for part payment. 5 days later, the clutch failed completely. The car had to get recovered at a total cost of £370 to myself. The repair bill is another £959. The purchase price of the car was £5700. The car came…
