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Advice On Consolidating Credit Card Debt Please!
Hi all, Some impartial advice please. My other half has seven credit cards all with varying amounts of debt totalling £21k. They have varying interest rates, the highest bring 29% and the lowest around 2%. His credit rating has gone from Excellent to Very Poor over the last few months but he has not missed any payments or…
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Can't get card/account number from Barclaycard
I'm just coming to the end of a 24 month 0% interest free period on my Barclaycard, I still have an outstanding balance of just under £2000, so want to apply for the Halifax 0% card and transfer the money, but I remembered that I shredded the card soon after getting it to remove any temptation to use it for purchases. Now…
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Does anyone please remember the MSE deal with M&S credit card ?
Hi all, A few weeks ago, the MSE weekly email advised of a deal for the M&S credit card. I seem to remember that if you applied for the M&S card and spent some money using the card, you qualified for a £30 M&S voucher but I am not sure. Can anyone please remember what the deal was because I can't find anything on MSE that…
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Over-zealous security checks by Barclaycard?
I have a Barclays bank account with a Barclaycard and a Barclays debit card. I have had all of these for ever. The cards are enrolled into Verified by Visa. I am a long standing Barclays customer with a healthy balance in my current account plus various savings accounts and no debts. My Barclaycard is linked to a Paypal…
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Next account still open after closing!?
Arrgghhh Next!! We've just recieved a letter from Next telling us all about the new catalogue, complete with our customer number on it. However, we closed the account in June. We closed it online by emailing them and recieved conformation that it had been done by an email back. As we were worried we logged in to see if…
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Have I just wrecked my 0% rate on my barclaycard?
Last week I transfered a balance on to my barclaycard platinum on a 0% until June 2016 and I intended to not spend anything else on this card and just pay it off. I'm not certain how these things work but my thinking was if I make a purchase on the card then this would break the 0% deal I'm currently on? Anyway did…
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Stemoligica Face Products Scam?
Hi in August 2014, I saw a free sample advert n FB with a company called Stemologica, so I sent for it and paid £3.95 postage. Now I have noticed payments of October £59.95 and November £69.95 charged to my credit card account. I have contacted both the company and my credit card company and asked for a chargeback? as I…
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barcalycard bespoke, buy £5 amazon voucher and get £5 match
just had this email shot. https://www.bespokeoffers.co.uk/consumer/f/our-top-20-deals?ref=navigation Pay £5 for an Amazon.co.uk Gift Certificate* and bespoke offers will match it. Simply hit the button above and register or log in to make sure you don't miss out. Keep checking back because we'll be releasing more…
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Aqua Advanced/Reward Card and credit file
I had a good credit history, ran into a small problem of obtaining a CCJ for costs in late 2012. While this doesn't in itself bother me because the court ordered it to be paid at a level that was affordable, because the Defendant attempted to do something and enforce it the costs order appeared as a CCJ (nothing can be…
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Credit card for 17 year old
My daughter is a collage student ,has a debit card and earns around £250-300 PM Can she get a credit card or does it have to be the prepaid type until she is 18? thanks
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New c/card - more than one balance transfer..
Hi all, looking at applying for a balance transfer card to shift some existing debt. So far the long Barclaycard deals currently available seem most promising. My question is - once i've made the initial balance transfer in with the application, if I were to spend on the original card could I then make a second balance…
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Yes credit card
Hello im very new to all this and dont really know what im doing,I wondered if anybody could help me please,I dont havea very good ccredit rating and am trying to build my rating up I was offered a yes credit card and due to it having no credit checks signed up thinking it has a £4.95 monthly fee and so this would boost my…
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Next statements - Two different interest rates
I am just looking for a little advice here - and I have a sneaking suspicion that Next are a little worried themselves due to how they handled my contact. TLDR… People with paper statements from Next will have received information stating one way of how interest is charged. People with online statements will have been told…
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Account Closure
Evening all, hope everyone's getting ready for Christmas day! I paid off my Vanquis credit card last month, bringing me £9.85 in credit to them. I rang up a few weeks back asking for the credit to be refunded and for my account to be closed. The refund, I was told, would be bank transferred to me in a few days, and my…
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Payment in time
Hi This is a follow up to my previous question really. My current 0% deal ends on 4th jan and have arranged for balance transfer credit card to take over. The latest is that I received my pin for the new BT card in the post on Tuesday. I haven't received anything else yet. I have found out that they close on 25th and 26th…
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Tesco ClubCard Credit VS Lloyds Avios Mastercard
Hey All, I have the Amex side of avios earning down to a T, but mastercard is another story. The Lloyds Avios: 1.25 per £5 spent Tesco Credit: 1 Clubcard point per £4, 250 points = 600 Avios. Will someone help me understand what I would actually benefit more from? I am unable to get my head around the conversion! If you…
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Credit Card maybe not the best option then?
Following on from the recent "Strip Club Scam" thread, im kinda wondering what the best/safest option regarding money is when going for a night out that will include drinking a fair bit of alcohol? At the moment I leave my day-to-day wallet at home as it contains multiple credit/debit cards, loyalty cards, stamps etc - i…
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£564 Paid by Debit Card
Hi, I purchased a Sofa for £564 in October and was supposed to be delivered 10th December, took a day off for the delivery rang the company around lunch time to confirm delivery then informed no delivery today as the Sofa not in stock, I said why did you confirm delivery date if you did not have product in stock. The…
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Building Credit History in the UK while moving address in less than a year.
Hello I have a very specific query but could not find any information to answer my doubts on the site. I found lots of useful info regarding how to built up credit history, which I read and took on board. I've searched for a threat to answer my doubt but could not find anything. If there is one, please do send me the link…
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How certain that I've been approved?
Hello, and sorry for advance to what may seem like a silly question, but... I have slowly been building up my credit worthiness for the past year after being down right stupid in my early 20's (I'm in my mid 30's now!). I managed to get a 24 Studio catalogue which I've looked after and paid in full monthly, with its limit…
