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Vanquis Card
Hi Everyone! Been reading a few posts on here and wanted to ask a question myself. Just got my first Credit Card from Vanquis. I know its a bad card with high APR. To be honest I'm not looking to borrow with it, just to use it to boost my poor credit rating. I have a couple of queries though, I plan to pay in full everyone…
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Chargeback Help please
I recently used Paypal to buy something from someone. It was £308 and I used my credit card, via paypal to make the purchase. It was for a laser cutting machine, for my woodcraft business. Before buying, I corresponded for a while by email and was promised 30 days money back guarantee, full returns accepted, 3 year…
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Credit limit decrease
Hello I received a letter from Aqua saying they had reduced my credit limit as I wasn't using the card (true I haven't used for 6 months only use for abroad) Just worried it will hurt my credit file? Advice please!
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MSE News: 1,000s of Argos store card holders due refund
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Santander 123: change from minimum to full repayment DD skips a cycle
Hi, I recently came to near the end of an 18-month interest free purchase period on a Santander 123 Credit Card, repaid all the "historical" debt in full, then changed the DD instruction from minimum repayment to full repayment at least 2 weeks prior to generation of the next statement (so I can continue using it for…
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Apply for new credit card when living abroad
Hi, Are there any UK credit cards I can apply for when I live abroad? I own a house in the UK and I return home each summer for 2 months. Ideally, I'd like a credit card which does 0% balance transfers. Thanks for your help.
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Halifax former one card
Hi First post!! My colleague had a letter afew months back but can't find it. She believes Halifax are changing her credit card repayments & the way they are worked out from June but she's unsure & suddenly panicked. She's out of the U.K. And I'm paying standing orders for her until she is back. Would anyone enlighten me…
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Nooby CC question
Hi all, Looking at getting a credit card to rebuild my file. The AQUA Reward 34.91% APR... (Wont let me post links.. Am I right in thinking, 1st July I purchase an item for £129.99, THAT'S ALL. I will eventually get billed £129.99 for the end of that monthly period, with the chance to repay a minimum repayment, or all in…
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MINT Debt sold do RBS still have rights?
Good evening, I was hoping for some advice regarding an old credit card debt that has recently been sold. My question is, if the debt has been sold then does the original creditor still have rights to this debt? Thanks
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Old Credit Cards
Hi everyone, I'm new to this so please be gentle......I wondered if anyone knew of any way to check if old credit cards have been properly closed?I use interest free purchase cards and usually get a new one as soon as the interest free period runs out but in the past I have had some nightmares getting banks to completely…
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Refund might not happen until next statement
Hi, I'm waiting for a refund to go too my Vanquis credit card which might take 7-10 days but the end of month date for the credit card is 9th, so how can I avoid paying interest? Should I pay-off the credit card now, but end up being in credit when the refund happens? If I do this could I just phone and ask for the money…
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dumb question
Hi Bit of a stupid question. I'm trying to sort some stuff out today and want to close my Barclaycard today if possible. It has an outstanding balance. I am transferring the balance to a HSBC card but it takes about 5-6 days to all go through. Can I ring up BC and cancel my credit card today or do I have to wait for it all…
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credit card hopping for cashback
is this a know thing in this part of the forum? after a default dropping of my file this month I have been able to apply for a first direct account switch for the free £100, but now looking on quidco there is so many CC's offering cashback, not huge amounts but if I could open say 2 / 3 at a time with only small balances…
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Section 75 - grey imports?
Hi everyone, hope you are all well :) I have just purchased a Phantom 3 Professional drone from a website called SLRhut.co.uk I'm usually so cautious about buying large value items online, particularly from a company that I have never used before. I guess my excitement of the price got the better of me and I ordered with…
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Can I Make A S75 Claim?
Hi, This is my first post so apologies if I am on the wrong thread... In 2002 I purchased an expensive signed piece of memorabilia from a shop in the high street which came with an accredited COA. In 2006 the chain of shops (the biggest autograph dealers in Europe) went into administration so I cannot make a claim against…
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Balance Transfer and Transferring money to current account
Have been looking at applying for a new card to transfer my current CC balance (about £800) as they current interest is around 18% I believe. I have been advised a Virgin Money card through Credit Expert as there is an 80% chance that I'll get this card. It states one of the perks below; Transfer money to your current…
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Great credit card tool
I found this great tool for the US market and I was wondering if there is anything like it for the UK market as well? //creditboards.com/forums/index.php?autocom=creditpulls It is a databese where by searching by card issuer the results will show you which credit bureau the bank pulls your credit file from and even what…
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Two cards from same bank
My Halifax % credit card will finish soon. Is it possible to apply for another % card from the same bank?
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Transfer credit card debt
Hi My daughter's husband left her last September. He encouraged her to take out credit in 2014/15 when he could no longer get it himself, amounting to over £10,000. She has 2 children and works part time, living with me at home. She works 16 hours pw has an income of £7200pa and gets £400pm from him for the children + tax…
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How long do credit card refunds take to appear
A company I've been struggling to get a refund for a faulty product from claim that the refund went through yesterday. When I check online nothing is showing yet, so just wondering how long this normally takes?
