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Any credit card issuers who are good for accepting very bad credit?
I'm 19, not a student, I've never personally had any direct debits and I've made a fair amount of credit searchs before. My credit score is between non existent and bad. I don't even get any analysis from the big credit report companies such as experien - they say there's lack of information. On clearscore I have about 187…
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Barclaycard Platinum Travel - Help Needed
Hi everyone, I was watching the MLMS on ITV last night and saw the bit about credit cards for travel. I am going on holiday a week tomorrow so a bit of advice would be appreciated. The Barclaycard Platinum travel has no non-sterling fees and no cash withdrawal fees (if paid off in full). Sounds great, as I was planning on…
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MBNA Pre approval - application not matched!! Anyone else
Hello all, I got Martin's email this morning because I have a balance that needs transferring in the next few months thought I'd try for the preapproval on the MBNA card. Two minutes later I get a preapproval; I just need to repeat all of my details again on their page and not on the mse one. Fab. I go ahead, fill in my…
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Halifax - Online statement problem
I'm attempting to view my Halifax credit card statement online. It works fine, except when I click on 'View pending transactions', which gives me 'Data unavailable Please try again'. It normally works fine, but has been doing this all day. Is anybody else getting this, or is it just me? Thanks
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Undercharged by shop
Good Evening, I went to purchase some wedding rings at the weekend for myself and my fiance. The jeweller wrote out a receipt and charged my debit card (money has already left my account). The jeweller called today and said I had been charged for a slightly smaller ring than the one I purchased and that he wants me to pay…
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Store Card Debt
I have a couple of store cards and some catalogue debt to pay off - I currently have no credit cards - I am wondering if paying them off with a credit card then moving to a zero balance transfer low interest rate card would be a better option to get them paid off quickly and without massive interest rates that these store…
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Tesco Credit Suspended for going into Credit !
Hi - I made a balance transfer from a zero percent credit card with zero fee into my Tesco credit card with the intention of not having to pay my Tesco card off for a few months and using the money I would normally use to pay off the card on home improvements instead . This worked nicely for a couple of months and then…
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Application woes
I've applied for two different 0% transfer credit cards today, one with Halifax and one with Lloyds. Both applied for through the links on moneysavingexpert. Both were accepted, I set up Direct Debits, and was in the process of registering online banking, when i was greeted with exactly the same message. "It looks like…
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New Credit Card application using old electoral details.
Hi all. Sorry if this has been discussed I couldn't find anything. I've just recently moved into a new build property and the address isn't yet fully registered on all companies/websites. Not only that i won't be on the electoral register for another 6 weeks. Bad timing as my 0% credit card is up in 2 weeks and need to be…
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Starting a new job, how long till I can apply?
I'm about to start work again after being at home looking after the kids for over a year. I was wondering how long I should wait before applying for a balance transfer credit card? I've not been able to apply for one since I've not had an income. Would 3 months be enough?
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Credit card repayments explination
Hi all, Firstly, apologies if this has been asked a million times before, I just need re assurance and clarification before I go ahead and before the offer runs out. Wanting some advice if anyone can help, we are looking at purchasing a car from a friend for £600. We have a balance transfer credit card that is offering us…
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Sorry if this question has been asked over and over
I remember in 90s credit cards issued by Nationwide, Co Operative, Post Office and ?Victoria BS Liverpool could be used internationally and free from commission for use (This did not include for cash withdrawals fro ATM). Lately as I understand Nationwide still has this commission free for use in EU. (Advice given is that…
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Nationwide or Tesco credit card?
I have to pay £1800 for my holiday, what would give me the most cashback or points, my Tesco credit card or my Nationwide 0.5% credit card?
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Interest question purchases and balance transefer
Hi - can someone clarify something for me. I have a 0% balance transfer of £1000 on and then purchases of £500 which are paid off (in full every month). Just noticed that Halifax are charging me interest on my purchases, because they're saying that, despite me paying the purchases off every month, I am not paying the card…
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Amex Gold Charge
Does anybody know if you withdraw money at an ATM on Amex charge card do they charge a fee?
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Moneysavingesxperrt search false
hi , just did had experien credit report cos notified of fraid alert and found MSE item that u did a credit card search on me - but u didnt, not on real me. How do do i tell u taht i u did it for some pretending?
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Spending on BT card
I did a balance transfer on my card at0% until next year. I have nearly paid off the balance. If I spend on the same card will I still get 0% until the offer runs out
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Balance transfer question
Hi guys I've read the T&C of my MBNA account this morning but can't find the answer so wondered if someone could advise. If I have, for example, a £2,000 standard balance @ 18.9% and a £2,000 money transfer balance @ 20.9%, and decide to transfer £2,000 to a new card, which of the balances will be transferred? I'm hoping…
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New Credit Card Limit
Is there any way of knowing what credit limit I will be offered before I apply for a new card? Nationwide contacted me in April offering me a Select card with 0% for a year and a limit of £8,850. Will other companies give me an indicative figure before I make an application and incur a hard search?
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Money Transfer and Credit Score
Hi All, New forummer here but a quick question to the forum regarding money transfers and whether they effect your credit score. I've recently bought my first house and have pretty much exhausted all my savings on the process. After paying off all my debt interest free from my student years I decided to get a new interest…
