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Vanquis - How to close
Anybody know how do you close a Vanquis credit card? I've finally cleared and paid off my Vanquis credit card and want to close the account. I don't require it any longer as I can now get credit with a standard everyday lender. When I called Vanquis they send even thou I had a zero balance, at the point my last statement…
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Lloyds Card Services operates Halifax Credit Cards?
I suspect if you apply for the all in one Halifax Credit Card it comes up with Lloyds Card services on your Direct debit bank statement! This was baffling me. Anyone else noticed this? This might explain why
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Tesco credit card keeps getting reject from mobile network providers
I was with Giff-gaff PAYG and sometime last year they informed me that I could not use my Tesco CC (which I had been using previously for several months) as it failed their security checks. I recently moved over to 3 and when I tried to use the Tesco CC to top-up they stated the same thing. I tried to get them to explain…
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never had a credit card before, but need one for traveling/backpacking? need help!
i have never had a credit card before, i have never needed one. but i have decided i need one has i'm going traveling and backpacking around Australia. i wont use it while traveling but only use it if i suddenly ended up in a bad situation etc. I dont know where to start and how credit cards work, like i may never use it,…
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Paying off overdraft with CC
Morning all, after neglecting my finances for far to long I have recently began to tackle them. I have an overdraft of £1000, currently £600 into that and I'm being charged a lot of money each month by Lloyds. I was thinking I would be better off paying off the overdraft with a credit card that has low or no interest for…
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Tesco card
Have a Tesco card that hasn't been used in ages. Received an offer letter, 14 Months 0% BT. I was actually thinking of using (as I used to) the card for shopping anyway for the extra points - we normally accrue about £100 of vouchers per year without using it, doing so would bump that up slightly. The following text in the…
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Accidently Withdrew Cash!
Hiya Not me, I'm well aware to avoid withdrawing cash. My OH used his card in a cashpoint to withdraw some Euros when we were abroad. Typically that transaction is attracting interest. We were using the card for 18 months interest free credit to cover a large purchase. Is there anyway to get rid of this transaction - I…
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Bank of Ireland credit card debt
I've been living in the UK for 2 years and have fallen behind on my credit card repayments. I'm a stay at home mum with a child under 1 and another on the way and as my partner works full-time we need every penny on household bills etc. I received a letter from the Irish bank today telling me I have til the end of oct to…
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First credit card
Hello, I just got a new barclaycard initial to try and build my pot refit score and wanted to know a little about APR. I've never had one before. I think my APR is around 37%. Is this automatically applied to my balance after each purchase? Or the end of the month? Or is it on my statement date? Regards, Tom
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Vanquis..
Excuse my naivety, but do they have seperate charges for cash withdrawls compared to normal use through the card?.
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£4000 credit card transfer needed
Hi, please can any one help. My sister in law has £4000 on a credit card which she has had for ages and charges her 26% interest! Outrageous. She as tried to move this to a 0% interest card but been rejected. Does anyone know one she can move this to which would accept her, without her having to try all of them and then…
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Credit card company not honouring section 75
A year or so ago we bought something for the house and paid part on our credit card. Within a month it had failed. Not having had to go through this before we sent the company the template letters from the Which? site saying we wanted things sorted. To cut a long story short we misunderstood that the legal cover on our…
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Credit card....use it or lose it?
I've just applied and been successful in getting a Halifax Clarity card. I want it purely to use as a holiday money card. Paying for things and withdrawing cash abroad etc. However using it this way I may very well go months/almost a year without touching it. Does that matter? Is it fine to just let credit cards sit there,…
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Credit card - no instant decision
I've just applied for a Natwest credit card online, it said it would write to me in 7-10 days one they have made a decision Just wondering if this means declined? I've moved address only 4 weeks ago, I have updated my address with my bank and contract phone etc but I'd imagine I wouldn't be showing at new address just…
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If I were to be declined...
Hello there, I've currently got a Capital One classic extra credit card but fancy getting myself an American Express Platinum Everyday for the increased cashback and probably higher limit over time. I have an income (at the moment) of over 20k as it asks for. Combined with partner's income it's over 40k. I've used the MSE…
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Credit Card Interest Rises Gone Too Far - will they reduce?
Ive always paid debts and my credit file shows no late payments or overlimits in 6 years. No defaults - all clear. Experian Credit Expert, which i now know is a waste of money - give me 999/999 rating - highest possible score. In the past 6 months - Opus have increased my rate from 21% to 37.9% Halifax 15% to 25% LLoyds…
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Barclaycard high 5 cashback fee free for first year?
Have had this card for about two months now. Just got second statement, and although I was under the impression the fee was waived in the first year, they have charged it to my account. I've checked the online t&cs for the card, but I can't find specifics about the fee. Anyone know? I'm sure I've seem several people here…
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MBNA Late Fees and qithdrawl of my promotional offer
Hi everyone, I know from having a search on this site and elsewhere I am not alone in this "problem". Basically - I have a 0% interest offer until 2015 - with MBNA. I always make payments on time - Septembers was due on 28th Sept - I made a payment online through debit card on the morning of 26th Sept. Upon checking my…
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Compliments card
Can anyone help please? I was given a £20 compliments card by now tv and I can't work out how to use it. The card number on the front is 19 digits and it says it is a maestro card. However, there is no start date which is needed on the website I tried it on ( whsmith ). Is this the right number as I thought card numbers…
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Using Credit Card to Rebuild Credit
Hi all. So I heard using a credit card was a good way to rebuild your credit after it had been shot to pieces, is this true? I have recently applied for a credit card now I have cleared every penny of my debt (woohoo!) and it has been accepted, of course I'm not going to go crazy and spend it all at once, but can anyone…
