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Will taking on my wifes debt improve my credit score in the long run?
I have a terrible credit score following a debt management program. I'm now debt free (great feeling) but my credit score is terrible and seems to be staying that way due to previous defaults that will remain for another 2 years. My wife has some credit accounts (littlewoods etc) that are paid off with my wages as she is…
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What to do to post with links?
Hi all, I'm new to the forum and want to post with links, what do I have to do in order to be allowed to do so? Thank You. P.S I'm not really sure where this shoulg go, so...
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Is this a purchase?
Hi All, Hope someone can help or has had a similar experience. I am looking to order some travel money online (euro) and wondered if I purchase it using my Barclaycard which is still in a 0% promotional period for purchases, will it count as a purchase and not cash? Thanks
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Credit card chargeback on multiple paypments/error in USA?
I ordered some items from a company called Biotrust nutrition on Friday night via my iphone. I have ordered from them before they are based in the USA. The items should have came to around 150 dollars but after I put the payment information in the reciept came up and there were 5 more items on it than I had ordered at a…
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Best way to sort this mess out 😞
Hi, I'm looking for a bit of advice because I'm trying to work this out but going around in circles! I want myself and my partner to start saving someone's for a house. However we have go yourselves into lots of debt :( I've tried sitting down and working out the best way to pay it off but I can't and just getting myself…
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couple CC questions
I owe £20k over 4 x 0% BT cards that have 24 months left on each of them, so not a problem paying them off. I'm looking to move house now, and will need a larger mortgage, should i pay off the credit cards with my self select S&S ISA (isnt doing much anyway, had a good year last year) and it'd leave me with £10k to put…
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Clarity credit card - using it abroad (Poland)
I'm currently in Poland and have been using my Halifax Clarity card for some transactions. Thing is I checked the receipt for the last purchace and there was a 3% "fee mark-up". Also the exchange rate seems quite poor. Is this normal? Exchange rate was 4.98zl We've been changing pounds sterling to zl for about 5.10 to…
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Tesco Credit Card Declined?
I applied online for a Tesco credit card and per above title I was declined. I have good credit have never missed a payment and any loans I have previously had have been paid off. I cant apply to Experian to see my report as they would want to charge me as I had a trial a few years ago. The only thing I can think of is my…
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section 75 -How old can a claim be?
Hi there. Some help please! Back in 2009 I paid for a company called Cartel Client Review to look into PPI claims. At the time I have to pay over £600 up front for their service and if they never won the claim Id get my money back. Unfortunately before they managed to complete any claims they were closed down and I lost me…
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Aqua Advance initial credit limit
I applied for the Aqua Advance last Thursday 3rd July, got an instant decision that it had been successful. Main reason for applying was for no fees when travelling. I was waiting for a contract agreement to come in the post, but remembered signing online. I noticed it's now Newday Finance, they have recently taken over a…
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Littlewoods - Interest Calculation.
So I've opened up a Littlewoods account and placed my order and am building a little spreadsheet to track it. Trouble is, I can't make sense of the interest charges they've put on. I've gone for the 156 week option at 39.9% rate. From doing a bit of googling, I understand that there is simple interest and compound…
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Balance transfer help
I transfered a balance from 2 exisiting cards to a fluid credit card on the basis of 12 months 0%, I have just logged on to check my bill and they are charging me interest??? Have had the card since April. Can't find any info on the website detailing what I signed up for. Help required as this is not what I wanted. TIA
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New credit card
Hi I am looking at balance transferring from two credit cards a Lloyds and a Barclay card to a halifax card and because of mergers etc some times you could be applying for a card in the same group which they will not allow.is there any conflict with what I propose to do. Thanks
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Making money on balance transfers
Hi, I've searched the forums and google but couldn't find an answer so I'm posting a new thread, sorry if it's been on before. I currently use credit cards for stoozing and recently took out a new credit card with a very low balance transfer fee and they've given me a higher credit limit than I expected. What I would like…
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perfect credit score but declined credit cards!
Hello. Myself and my husband have just applied for credit cards (myself with Asda my husband with our bank HSBC) and we were both declined. HSBC told my husband that it was something Experian were holding. So we have signed up to Experian and checked thinking there would be a problem yet both our scores show 999 and…
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Section 75 Claim
Could do with some advice please :) I've recently had a letter from my credit card company saying they are prepared to settle my claim under section 75 of the consumer credit act for faulty work we had done on the roof. This was back on the 21st May 2014. I signed the acceptance form, sent it back recorded delivery etc. As…
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Credit card charges.
Buying son a van and wanted to pay the balance on my credit card to get any CC protection only to be told by the salesman that if I wanted to do that there would be a 2.5% credit card charge added. Can places do that as that would mean I would be charged £920 to use my credit card for ONE transaction !!!!!! When i queried…
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MSE News: 500,000 moved from rewards credit cards to Barclaycard Freedom
Customers with a reward credit card from the likes of BHS, Orange and Thomas Cook have all been moved to Barclaycard... Read the full story: 500,000 moved from rewards credit cards to Barclaycard Freedom Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read…
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Is it worth transferring an overdraft to a credit card.
Has anyone transferred a overdraft balance to a credit card? Any advice on if it was worth it. Or maybe somebody has a better suggestion.
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Halifax Clarity reduced credit limit. What to do?
Hi everyone, So I logged onto by internet backing last night to find my credit limit for the Clarity was reduced from 7k to 0.5k quid. No notice. A letter, they say, was generated on the day the reduction too effect but I have not received it. I was pretty annoyed so complained to Halifax but they say this is within their…
