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Overdraft? should i get it?
Hi there! I have just changed my normal account to student additions account. I currently bank with barclays. So i recieved a £200 instant overdraft for opening a student bank account and i believe they give up to £3000 however first £2000 interest free? Should i apply to get my over draft increased to £2000? Because they…
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What is "No Premium Paid" mean?
Hi, I'm chasing up various PPi claims, one of which is with Barclays regarding an old Barclaycard. They have returned my SAR and listed on there is PPi with a Barclaycard i had several years ago but it says there was "No Premium Paid" - does this mean either there was no PPi paid out to me (which there was'nt) or does it…
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Vanquis - Positive balance? - Car hire
Hello, I have recently got a vanquis credit card as I had no credit rating before, so saw it as a good opportunity to build credit. I am going to Florida in the summer, and for the car hire, they require me to swipe my card through and they take $400 which is refunded at the end of the holiday once the car is returned.…
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Credit Rating Improvement - Should I pay off credit card straight away?
I will set up a direct debit to pay off my credit card in full, but I do not know when to do it. I am always in a positive balance on my debit card - around £500 by the the end of the month. Halifax said they will give me 59 days interest free. I want to improve my credit rating to get a mortgage in around 5 years time.…
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Help With Debt/Credit Score
Hello i have very poor credit score and cant get any credit at all. Ive somehow been accepted for the barclaycard initial which is the first way of increasing my credit. I have a limit of £800 on the credit card I have an overdraft of £350 (got it down from £2000) I really want to wipe my overdraft using this card so that…
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Best Non Cashback/Airline Card
Hi All, Have been browsing about the forums but cannot really see a discussion for people who dont want to tie themselves to Airline or Cashback - i.e. the Rewards card. I currently have a Gold Amex charge, and like the membership reward program. I know they are not such a great deal and some of the cashback or the airline…
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Credit cards that allow Section 75 claims against PayPal?
I just cancelled my Halifax Mastercard because they are refusing to help with an issue I had on eBay under Section 75, due to the payment being to PayPal rather than the seller directly. I'm disputing it with the Ombudsman but does anyone know of a card provider that allows such claims without hassle? I understand the…
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?fraud transaction/ fraud company
Dear All, I paid a company £ 4000 via my mastercard credit card on 17/1/14 for a software. I now worry that the company might be a fraud company. I have blocked my credit card. I have tried to contact the company. my Question- 1- what should be my next step. ....inform Police?? 2- is there any way that i will get £4000…
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Halifax Credit Card
Hi I have a Halifax credit card, which I have had for a few yrs Andy's approx 5000 on it. My credit limit it 11000. I was given this card while I was on benefits and unemployed about 7 yrs ago. Since then the interest rate has slowly increased and is now 24.9%, and it is also linked tithe bank if England interest rate,…
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Santander 0%....What a joke!!
Having used the credit card checked on MSE.com, it suggested that there was good grounds to try and apply for Santander's 0% on purchases credit card. To be fair, I used this out of interest, but as I am a Mortgage Adviser with excellent credit (it has to be to do my job and run my own regulated financial services…
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question re credit card application
Hello everyone, I'm new to this forum and would appreciate some advice. I'm self-employed and have been scraping by on a small income. After discovering MSE, I decided to transfer my small credit card debt from RBS to Lloyds (balance transfer) last November. I've also decided that I need to build and grow my business and…
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did not complete BT application, will there still be a credit check
Did a Natwest CC application online this morning, but before i agreed to anything and proceeding I saw the Credit Limit they were going to offer and i declined to proceed with the application. Will they still do a credit check and will this leave a marker on my credit report? If i did another application today would that…
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Help regarding credit card and improving credit score!
Hi people, I have moved to the UK on 26/04/2013(10 months) and started working full time from 02/12/2013 with annual income of £15500. I have a Current account with Barclays and a joint account with my partner in Nationwide. List of Direct Debits i had even before I started to work: I have a mobile contract since…
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Wrong Estate Agent Advice
I have given wrong advice by our Estate Agent. we were advised to buy our lease to sell our house as it would not sell as a leasehold property. this we did at over £6k. we had to try to recoup this outlay on selling price, the house failed to sell at the higher asking price. however other house on the same estate have…
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0% on purchases and no fee abroad??
Hi, I'm looking for a credit card that has 0% on purchases for 15-18 months and also no fees for atm withdrawals or travellers cheques (Cyprus)? Can anyone help point me in the right direction please as some of the fee terminology is a bit confusing for me. :o Many thanks x
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Any idea how Barclaycard's 2.25% repayment pans out long-term
Hi, I have been trying to run this through various spreadsheets but can't get my head round it. Wanted to get some independant thoughts about how Barclaycard now seems to calculate how monthly total/principle payment. It used to be and with others that you'd be paying 1% of the total outstanding debt plus the month's…
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spending on a purchace card after clearing it with a balance transfer card
I've got a tesco 18 month 0% on purchaces card with £1500 limit and around 12 months left on the deal, A lloyds card with no deal and £1500 limit, both cards are near their limits, I've also got an overdraft of around £2000 I've just been accepted for a barclay platinum 0% balance transfer card with a £6500 limit. I intend…
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Barclaycard 14 months 0% on purchases
Hi, since barclaycard treats cash withdrawals abroad as purchases I was wondering if they are included in the 0% promotional offer. Anyone?
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Will this work?
I want to buy a car for £10,000. I will need to borrow £5,000. I don't want a personal loan because I will have to pay interest on that. So I'm thinking of a credit card that is offering 0% APR for 12 months or whatever. Each month I will pay off the minimum payment (and maybe a little more on top). Then just before the 12…
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credit card question ?
hi all new to these forums after a suggestion to look here. I have tried a search but could not find anything to help with my question I had a credit card before, its not active as it's been a long time since i have used it and I will need to re-apply, (I was working full time at the time I had the Card), now I don't have…
