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Is unnecessary use of credit card good?
Hi, I have a credit limit which is way above my monthly expenditure. Since I lead a simple lifestyle, my salary suffices for all bills and subsequent savings. But since I have read somewhere that using credit card regularly is good, I typically use my credit card for all my expenditure/shopping, and keep the salary in the…
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Notice of correction (Electoral Roll)
Hi, When I called Experian earlier today to cancel my subscription the customer service agent told me that I should add a "Notice of correction" to my report, explaining why I'm not on the electoral roll (foreign citizen). I tried to gather some information about this, and I found some forum threads telling that some…
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Making a payment to a Lloyds credit card
I am due to make a payment to a Lloyds credit card (I've set up a direct debit for the next payment onwards) and I called them yesterday to do this to find out that they can't do it over the phone unless you are making a payment from a Lloyds current account which I don't have. What I am wondering is, are there TSB…
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Master card dispute, Independent report and tender
Hi I was wondering if I may get some advise on this. Had recently (3 weeks ago) bought a piece of computer system over £3K from a retailer with my mastercard. The computer was delivered damaged (delivered 2 weeks back). Had since called the retailer via both phone and email correspondence and still no updates of when they…
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Post Office Credit card
I did a balance transfer to an interest free PO credit card earlier this year. We moved house, I sent in a change of address to them, they froze the account until I had sent a confirmation signed at the Post Office to verify my change of address which I duly did. They said they would send me a new pin number, why I do not…
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Order of payments to credit card
Does anyone know where I can find the rules (legislation?) on the order of payments to credit cards? Thanks
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PayPal using Dynamic Currency Conversion when I don't want it
I have a UK credit card with no fees for foreign use. Therefore purchases abroad are paid for in local currency of the country I'm buying from as this always gets a better currency exchange rate, ie its cheaper than any other method. I recently signed up to PayPal and when buying from abroad it SEEMS to only let me pay in…
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M & S Credit Card points help
Hello all, This is my first post on here so please bare with with. Im getting married next August and we decided to get our cake from Marks and Spencer. To save money we took out a credit card with M & S where you had to spend either £2500 or £3500 in 3 months of opening the card to get 20,000 bonus points which we worked…
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Laura Ashley Store (Mastercard) Card
I went to purchase a table/chair set from LA. The Sales Assistant said I could get an extra 10% off if I opened a Store Card.The total came to 775.00. I have received the first statement with this one transaction- payment by 31st Oct. I have paid this. In between the first statement was issue and today; I made a second…
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Santander 123 Credit Card
I got the new 123 credit card for its seemingly nice perks of cash back on diesel, shopping etc a couple of months ago. I have never really used a credit card up to now at all, except when booking holidays.. I was happy enough shopping with my debit card for everything and then tracking the spending with online banking…
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Halifax Balance Transfer End Date
Hello, I have completed a balance transfer with Halifax from another card a couple of months ago but can't seem to find the end date anywhere. On my Barclaycard it did, saying something like offer ends on such a date. As its a 0% rate and would shoot up after the time passes does anyone know where I can find this without…
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CC application/about to move home
Hi I have been needing to apply for a new credit card for a little while but have not as I was in the process of applying for a mortgage. My mortgage final offer should go through end of this week and all being well I should complete on my flat in next 2 to 3 weeks. I was planning on applying for the credit card on day of…
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Master Credit Card and Visa Credit Card
Hi Friends, I am facing may be a unique issue. I got a default with Sainsburys Bank Credit Card in 2007. The default was updated in 2010 and I think it will be in my credit report till 2016. Other than that I got a clean credit history and rating. For the last 4 years I have not missed single payment or any missed payment.…
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Question about Credit Card Withdrawl
Hi folks, Just a quick question regarding my credit card with Lloyds. I took out a credit card at the start of this year and up until now have not used it at all. For some reason, the pin number I thought I made for it doesn't seem to work so am aware I will need to request a new pin activation code. With that in mind, I…
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Halifax Clarity
I have taken a new halifax clarity card for my holiday to Spain. Unfortunately I got a higher APR of 21.9%. I know there is an interest for ATM withdrawals and just wondering about paying some money in to credit card in advance to prevent them charging any interest. I know i can make online payment same day to prevent this…
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Amex platinum cashback everyday credit card
I recently applied for and received one of these cards, in part to use the 18 month's credit at 0% interest. When I received the card, the T's and C's indicated that this did not apply to my card. AMEX tell me that this was because I apparently applied directly through their own website rather than through the link from…
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Possible Section 75 claim - advice please!
I'd like some advice on whether or not I can use Section 75 to help me get my money back for a skin treatment I received. I paid for the treatment around three years ago and had my last treatment within the last two years. It was for laser hair removal. When I first went into the clinic I told them I wanted the hairs on my…
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Barclaycard reduced interest - just ask!
Trying to sort out my debts - one of which is over £6k on my Bcard. Just called them to ask if they could lower the interest rate and they did - just like that! They've decreased it from 19.9% to 6.9% on the current balance, although its still 19.9% on further purchases - however as I'm trying to decrease my debt I won't…
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Credit Card/Savings
I'm off to Dublin for a couple of days at the end of the year, and wonder if it's best to make payments on my credit card, or to use cash. - I'll clear the balance in full after the holiday, just not sure which is the better option? It's a Capital One card if that makes any difference.
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Vanquis keep calling me at work
Have never had a vanquis account and by the sounds of it, would never want one, however, they keep phoning me at work, ringing the main number and asking for me by name. The first time they called, they asked me to confirm I am 'the account holder' and I advised them that I had not got a Vanquis Account. They said 'oh…
