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Ordering online, use credit card or debit card?
What offers more protection for purchases and having your card details copied/cloned, debt card or credit card? Looking to order online and not used the website before, and very rarely use either to order or pay for stuff as most things I still use cash (I am very old skool) Thanks in advance
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CC debt advice
Hi all, my fianc!e has some CC debts over 3 cards, she makes min payments on all but as we all know will never pay it off this way, shes finally sat down with me and wants to sort it out. i suggested a 0% balance transfer card, she agrees but the MES tool says shes 0% on all cards...... now i realised that shes on electrol…
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re-amex connect?
Hi Guys, Amex plat sent me a e-mail for Shop small, and I saved to card as per normal. MBNA havealso sent one today, BUT, different than the old way, it's CONNECT.??? Never heard of it. to Sign up, it requires your 16 digit number, then save to card. Unsure about just putting that info to sign up;; Usually, sign in , then…
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Are you or ar you not covered ?
Need to settle an argument please.... If i went to a car dealer and paid in advance for a car on CREDIT CARD that the dealer was going to purchase from the car auctions and the car never materialised or the man himself went out of business, would i still be covered under Section 75. My friend says no due to using a 3rd…
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0% balance transfer card after recent mortgage
This week I completed on a new mortgage. I have a virgin credit card with 4k used on a 7k limit and I would like to balance transfer this to the Halifax 0% card. My new mortgage is also with Halifax so should I hang off a few months before doing this or should it be ok to apply just now? Thank you
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Late Credit Card payment (?) Lloyds - have I messed up?
Hi all, over the last few months I have desperately been trying to improve my credit rating in preparation for applying for a mortgage. I've settled lots of accounts, paid off my overdraft and reduced my planned overdraft to just £100. I'm saving a good proportion of my annual income and I just got paid on Monday so my…
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Cancelling Credit Card Within 14-Day Rule
Hi, I've just cancelled a credit card account within the 14-day cooling period because I didn't realise there was an annual fee of £150. I actually cancelled it the day I received the card. I'm just wondering how much will this affect my credit score (apart from the search when I made the application)? Cheers.
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Capital one credit limit
I have a not so great credit history but want to repair it so applied for a classic card from Capitol One which is a starter card. I got accepted and it says that the limit is from £200 but I rang them today and spoke to a foreign man who I could not understand but I told him I got my pin number and was waiting for my card…
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Credit card eligability checker
When I try to use the credit card eligabilty checker I get the message Unfortunately, we have not been able to find your details at the Credit Bureau. Please check and try again. I have checked all my details and they are all correct. How or where do I go to have this checked out?
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declined for 0% card, should i apply for another?
Hi, I had £4500 on barclaycard and £4000 on tesco credit card both now ended the 0% and gone up to 17-18% apr. I wanted to transfer one or both to a different 0% card so applied for virgin money but was refused (despite high eligibility on the MSE calc). Around about the same time barclacard offered me 0% BT until august…
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Financial Associates
Hi, My other half is showing as Financial Associate on my credit report. How does that effect when she or I apply for credit? Will they take into account the total available credit she has when I apply for credit? Me and my other half do not have any adverse information such as arrears, defaults CCJs etc. Thanks MS
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My Barclaycard appears to have refunded a transaction without my authorisation.
Ordered something online with my Barclaycard last week. All went through fine and I received the item today. Go to check my card balance and the transaction has disappeared and my balance is up the exact price of the transaction. Is this some temporary glitch? Have they refused the transaction? Genuinely so confused right…
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Card transfer advice
Hi All, I transferred £1000 6 month ago to a 36 month interest free from tesco. I now want to transfer another £1000 on an offer they have given me on more credit up to next december. Which balance will be cleared first the 36 months or the 1 year interest free.
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Nationwide & Barclaycard Transfer Offer
Barclaycard have offered me a balance transfer deal at 0% until September 2016 which I would like to take up. (There is small % charge) . A few months ago I took Nationwide up on a 9.9% deal on balance transfer (no transfer charge). If I transferred £8K from Nationwide to Barclaycard I would clearly be making a saving BUT…
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Santander 123 Credit Card Help
Hi All As you probably worked out from the title I have a 123 card and have had fora few good months now. It was only used on occasion and while I had the 0%interest on purchases it was perfected from helping me renovate the run downhouse I bought. All them B&Q paint trips add up :( Basically where I am at now - I think I…
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Travel Credit Cards
I've just finished reading Martin's: Travel Credit Cards and very good sense it makes. I'm going on a last minute weekend break to Prague, leaving tomorrow back Sunday, work Monday:mad: Anyway I've only been able to get a small amount of Koruna So will probably have to use my credit card at some stage. I have two cards…
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Transaction on credit card confusion ..help?
Friday I made a purchase on amazon for £34.99 using my credit card. This money came off my available balance but today the item is still showing awaiting dispatch with amazon and the £34.99 is showing in my available balance once again. What's happened?
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Help - I have two 0% BT offers, can I use both?
Hi all, Looking for some advice, a few days ago I took advantage of a Bt offer on my Barclay card and transferred over 2k from a Halifax card. I had an existing balance on the barclaycard so now all together there is a balance of 6.5k. I logged on to check that the Bt had shifted the balance from my Halifax card and saw…
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Credit Cards vs Mortgage
Hello. I am a first time buyer and considering purchasing a property next year. My question is about how credit cards imfluence your credit score. Can I generally assume that any account that is not used, negatively affect my score? Or perhaps, if an account I am using has a small limit but another, dormant account much…
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Balance transfer maths help!
Hi all, looking for a bit of help with some maths..I have about £6000 on 2 credit cards earning interest. A!third card is offering 2 deals:! Either 0% until April 2017 for a 4.5% fee Or 4.9% for life of balance with no handling fee. I have £6000 to move and will be paying just over the minimum repayments. I will not have…
