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Why has my credit card made credit score worse?
Basically I have a aqua card with £950 credit which I pay in full every month. Last month on eligibility checker I was 95% chance for mbna card now this month in 0% Nothing bad on credit report no ccjs or defaults. The only thing is my credit card is showing £880 balance and my limit is only £950. Could this be why it's…
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New style junk from Vanquis - jiffy type envelope
So my post came this morning and within it was a nice padded "Jiffy" type envelope. Just before opening I saw the dreaded words "Vanquis" and "Visa" and the small print at the bottom confirms its marketing junk. I assume they've started to lose out on DL envelopes so they've turned to these. imgurl Needless to say it'll be…
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Returned debit card still in use.
Hello all,if this thread is in the incorrect section,please can it be moved. I have recently been issued with a new debit card from my bank as the previous was damaged,my returned card was handed to a bank staff member in the bank,who said it will be destroyed. I have been using the new debit card for six weeks now.My…
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Unrecognised activity on account
This is actually regarding a debit card I have with RBS. I'm on a long 6 month stay in Canada at the moment (from the UK) and have used the card to make several purchases here. Today I get a text on my british mobile from RBS saying my card has been blocked and to reply by text if I recognise all the transactions. I…
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Applying for Halifax Clarity Card
A couple of questions if OK... Does anyone know if there is any way to apply for the Clarity card via a cashback site (preferably TCB)? Also, is there anywhere on the Halifax site that confirms the monthly cashback? TIA
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Mint is hiking interest rates in January
Who else has received a letter from Mint saying its new interest rate from 17th January 2016 will be 17.436%?! In January this year I took up an offer of 6.9% on money transfers with no fee. The original offer says that "variable rates could go up or down for several reasons... for example there could be a change if there…
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MSE News: Millions of Barclaycard and Lloyds credit card customers face higher intere
Barclaycard and Lloyds' credit card customers will have their interest rates linked to the Bank of England base rate... Read the full story: Millions of Barclaycard and Lloyds credit card customers face higher interest rates Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure…
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Section 75/Holiday Club reclaim
I have recently been approached by a Claims Management Company regarding being mis-sold Holiday Club membership some 10 years ago. I quickly realised 10 years ago that this product wasn't worth the glossy brochure and applied for a section 75 refund on my Credit Card at the time - this was turned down flat. Now that this…
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desperate for advice on credit cards
I have 3 credit cards which all have a large balance on them, I always pay min monthly payment on time and extra if I have it available, but I have a lump sum of money available in which I could pay a balance off one of them in full and close credit card to improve credit rating or spread it across 3 cards, Which is the…
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Barclaycard November statement query
Hi guys. I logged into my Barclaycard account this morning and in the summery area it says my Nov statement is ready. My current balance is £800 and showing my minimum payment as £0 in red. When I go to view my latest statement it says it's not available. I will try again later during opening hours to see if it's changed…
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Capital One Application
Hi all. After ruining my credit score years ago I am now trying to re build it as it's been years since having any credit Applied for a capital one card today online and it came back successful with 200 limit. Is that just a provisional accept pending someone looking at it or do you think finally my credit future is…
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Section 75 cover
I'm looking at buying a used car for my son. If I pay a deposit of £100 by credit card, then my son pays the balance on his debit card and the car is registered in his name, would he still be able to make a claim if the worst was to happen under section 75? Or would it be best if I payed the balance on my debit card for…
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CashPlus pre approved credit card
i received a letter from Cashplus today saying ive been pre-approved for their MasterCard (i thought they only did prepaid cards) did a bit of research and it seemed genuine, so i applied and immediate response is accepted with a £1000 limit :-) card on its way, and apr is around 25%. a one of fee of £10 per year which i…
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fees on fees
Can anyone tell me what the legality is of Ccard comapnies charging late fee on late fee. I have a card which which was used in error some months ago (a card that I hadnt used for years I might add and no sttatements came in the post as it was all on line) upon dicovering there was money due I paid the full balance and all…
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MBNA Amex everyday card
I'm well impressed so far. Just rang them and call was answered straight away by a human. Really useful card for travelling. It seems to beat the Halifax Clarity (Which I also have, and have found v useful) because 1. according to T&C, payments are allocated against cash before spending. so unlike Clarity, you don't need…
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Credit Card Repayment Calculator
Hello, 1st time post so be gentle :) I want a detailed credit card repayment calculator, i want to be able to enter - Starting balance What I have spent that month What I have repaid Closing balance I want to start to get my balance down and want to plan out the next couple of months. Cheers
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How does interest free period work?
My card says 56 interest free period. I heard this doesn't always mean you will get 56 days on every purchase but it depends on the time of the month you make a purchase and the statement issue date, is this correct? So for example If my statement date is 11 December and I make a purchase today 19th November how long will…
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Backing up card details
Currently on my phone I have a sheet with all my card details on, the numbers to phone in an emergency and online login details and passwords, (all in a safe way so they're not obvious). Do any of you know a secure site that I could use to keep all these details online, because if I ever lost my wallet and phone I'd be…
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Halifax Clarity cost me more than expected for a purchase abroad
A few days ago I used my Halifax Clarity for the first time abroad to pay for a 158E purchase. At the till I was presented with a card reader stating this amount and then it automatically switched to displaying £116. I knew that was too much but in the circumstances I went ahead anyway, trusting Clarity's reputation. The…
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Lloyds charging interest question
Both me and DH have Lloyds credit cards. I don't usually look at them to much and just pay it all off each month before the due date. Realised they are charging us interest. Is this usual if the balance is cleared? Which other credit cards don't do this?
