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first CC, no history
Hi all I am trying to build my credit score. I have read loads about it, and I've done some eligibility calculations. However, apparently I would not be approved for any credit card. Some info: -I have direct debits -I am on electoral roll -I've never missed a payment -I have never been in an overdraft -I make cca 12k a…
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Money Transfer Cards
Hi there, I am wondering if anyone might be able to offer some advice on a credit card conundrum. I was recently accepted for (and have now received) a Sainsbury's Bank long 0% purchases credit card. I had however wrongly assumed that I could use the card to transfer money into my current account to pay an individual. I…
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Asda credit card application
I have recently applied for an Asda Credit card, seeing as I shop regularly at Asda both in person and online and use their petrol station on a regular basis. I was going to earn the 1% or so bonus for shopping with them using their card. During the process I was asked to provide physical proof of my address and post it to…
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Where can I get CC with my poor rating (noddle 526)?
Hello Everybody I didn't think that I would be able to get a CC but (much to my surprise) I've just been accepted for a Paypal VCC. This has a limit of £800. Now I'd like to try and use CC debt to fund a business so I want to apply for another somewhere else. So I would like to ask the group for their suggestions. Does…
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MSE Credit Club - Credit Card , confused by recommendations
So i signed up for the MSE Credit Club and looked at what it had for CC recommendations based on my credit file with Experian. I was really confused as it said 90% chance for the normal Tesco credit card. Now i have defaults on my credit file from 2012 , 4 of them (relationship breakup caused money issues but all paid off…
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AmEx Rewards Gold Card
Has anyone applied for this to get the 20,000 reward points? It says "You will not be eligible for any Welcome Bonus award if you currently hold or have held any Membership Rewards enrolled American Express Card in the past six months" I have a Lloyds Avios account and I think I signed up for an account to get advanced…
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Credit card limit / over limits query
Just has a call to say I've exceeded my credit limit and gone over my 'credit limit' They okayed the transaction and charged me £15, It was my own miscalculation so can't really complain! :o My question is why do I have a set limit if they will exceed it anyway? At what point would they actually say no? Is it percentage…
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CC for retiree
I'm looking for a new CC to replace my Tesco Clubcard CC for two reasons: 1. I don't shop at Tesco anymore, and 2. I intend to travel abroad a number of times next year. I always pay the full amount off each month. I've read the MSE guides on travel cards to minimise costs on cash advances and purchases. However, I'm eary…
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Credit Card Agreement
I asked for an original credit card agreement from my creditors only 1 company responded, which looked like a photocopy which someone in their bedroom and cheap printer has made up. Question is when you sign up for credit is their a proper credit agreement like an original not photocopy which is signed in ink? For example…
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Where to start - a "just in case" card for someone with no credit score
So bare with me here, but I'm a graduate who has recently decided to go abroad to teach. I am aware this is poor financial planning since I am currently still using my interest free graduate overdraft each month, but here we are. I will be earning once over there and *think* I will be okay, but i'd be hoping to have a…
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Amex Extra Payment
Attn. Amex cardmembers re. Amex credit card. Is this a new control? I usually pay the minimum by Direct Debit and a manual extra payment by Debit card. Due date is 14 December and the DD due on 07 December. Today I attempted a manual payment by Debit card and the amount field is disabled. The same in both the iOS app and…
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Virgin Credit card 30 month 0% interest
Just one simple question. Is the V'n 30 month offer now ended? If so, was I clearly bright enough to decide to get one a couple of days ago??
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Took out cash from my CC abroad - help!!
Hi all i got back from holiday last week and had a nightmare losing both my pre-paid travel cash card and my normal debit card. This meant i had to use my M+S credit card to withdraw cash..i have never done this in the UK with a CC and didn't even know you could until a friend back home suggested it Anyway i took out about…
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Halifax to lloyds transfer?
Are balance transfers from Halifax to lloyds allowed as they are both part of the lloyds group? Cheers
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Sue shop direct fiance
Hi guys, apologies if in the incorrect place, a number of years ago i was a victim of fraud. one company was shop direct finance ltd. although being helpful at the time, and removing the account and defaulted account almost staight away with the evidence that was complied they failed too take of the CIFAS cat 6 marker…
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When do Amex statement rebate offers kick in for new customers?
I very recently applied for a platinum cashback cared from AMEX. Mostly due the market leading cashback % but also as I was jealous of all the statement rebate offers I was constantly seeing online (i.e. Spend £309!8' apple to get £30 statement credit, spend £100 in Debenhams to get £15 rebate etc). When will these…
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Card Hacking: Distributed Guessing
Well apparently thieves need just 6 seconds to guess your card expiry date and security code: http://www.telegraph.co.uk/news/2016/12/02/hacked-just-six-seconds-criminals-need-moments-guess-card-number/ http://www.pcworld.com/article/3145621/security/distributed-guessing-attack-lets-hackers-verify-visa-card-details.html
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American Express Premium Card
Hi guys, I travel with BA alot. I have applied for the BA AMEX Premium card. In a nutshell, I can put all my spending on this card, pay it off immediately and earn the 25k Avios bonus, companion voucher and avios per £1 spent. I received an email from them, they said my application is in the final stage. They asked me to…
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I need advice please 🤔
Hi all... Basically I have just managed to get enough eqity in my house to finally switch mortgage from NRAM (Northan Rock) since I initially purchased my house... I got a 100% mortgage which was split into a secure and a non secure loan... When I switch over my secure loan I will be left with the unsecured (essentially a…
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Next Store Card
My next store card is never going down. Interest is £74 month. Can you BT to another card intrest free?
