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Tesco CC customer services
I just had cause to ring Tesco CS, I had to wait 17 minutes to be connected. When I mentioned this to the nice young man who answered, he apologised and told me he had to run to the toilet :D :D Now.....the thought struck me.....he can’t be the only one there.......can he? :D
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Trying to rebuild credit rating
I've recently (a few months ago) come out of sequestration and I'm looking for ways to start and rebuild my credit rating. Is it worth applying for a high interest credit card, like the Capital One Classic, making a token purchase each month and then paying it off in full?
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HSBC - Approved, missing email
Hello I know this would be quickly answered by a call to HSBC but my last call to their credit card department cost me £6! Hoping someone may have experience. I got a secure message informing me my credit card application was approved and that I’d receive an email with the contract. That was on Friday, but no email has…
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Vanquis or Chrome Card?
Hi guys. I'm new here. Be nice. Not sure if already posted I've looked at the search can't find much. Im wanting to get a credit card. Just to build my credit rating. I don't want to use the card for anything. Just make repayments? I'm unsure how much charge there is each month if I don't use the card to purchase anything.…
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Credit Card Charges
I am due to pay the balance of a holiday by 4 February to Thomas Cook. I would prefer to pay by credit card ( and repay in full of course) but they make a 2% charge which I find unacceptable. Effective January I understand that the Govt. is making it illegal for these charges to be made. My question is.Although my invoice…
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Best cc for me
Hi there, I went bankrupt in 2003 (being silly,poor and young) and was released from that in 2005,since then I have been very good with regards to money etc and last January I got my first mortgage :-) I have normal bank accounts and have a van on hire purchase for work. Looking to get a credit card for emergencies or for…
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Section 75 holiday claim advice
Hi all, I have recently been on my honeymoon which involved a 4 days on a chartered catamaran which I paid in full on my Tesco clubcard credit card (within the boundaries of section 75) specifically for protection. The main purpose of the trip was for diving and fishing. The night before the departure I was called by the…
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Please help - freeze interest
Hi All I am in a position now where i am able to put more money towards paying off my aqua credit card Im wondering if i call them and tell them this would they be able to freeze the interest in order to get the debt cleared sooner? or would i be better telling the im struggling and can they freeze it? thanks
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Does an internship count as income for a credit card application?
Hi all, I will be doing an internship in the summer and I will be paid a certain amount per hour. Can I use this as stated income on a credit card application? Thank you!
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Having a real hard time grasping the details of my credit card
Hi! So i've recently gotten my first credit card (22 years old) and i'm having a slight problem adjusting and understanding everything, it's all a little confusing. I got it as i've been using paypal credit for years and thought why not get a credit card too and start to build up a credit history now rather than later…
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Alternatives to a Nationwide extended warranty and insurance
Nationwide is ending its value added insurance service (extended warranty and accidental damage cover) from March 18 for existing customers. I'm struggling to find an alternative service. Only the Amex Green Card seems to offer similar and that's not as good an offer as the current Nationwide one - and it's £60 a year. In…
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Asda Credit Card 1st Statment HELP
Hi I joined Asda credit card, After activation used my card for 1st purchase on (23 NOV) Then received my 1st Statement 3 days later on (25 Nov) My first point is that minimum payment due on (13 Dec) which is only 20 days from my purchase date, But my main confusion is that tMy Online account manage says Balance and then…
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Direct Debit Question - want to pay CC bill from bank in wife's name
I have 3 credit cards in my name and I would like the Direct Debit's to be paid by my wife from a bank account in her sole name. Have any of you achieved something similar? The credit cards are Santander, Virgin Money and Sainsbury's Bank and the bank is Nationwide I submitted all the DD requests on the credit card…
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Best Rewards Credit Card
Me and the wife both currently have a joint Tesco Credit Card. We used to shop loads at Tesco's including getting petrol at their petrol station. However we are now using Morrison's for our main shop and also petrol, with Aldi also in the mix. It now makes no sense in having the Tesco Credit card so need to move to another…
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Hidden first bill
Hi I read a thing yesterday, which may be mainly a US con, about interest free credit card accounts not being sent their first bill, so that the customer didn't know that they'd missed a payment, and then being told at the end that they'd missed a payment and so had to pay massive interest on the whole bill at the end. And…
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I was stupid and applied for two cards and got accepted for both
Hello everyone! As per the title: I'm 27 and I've never used a credit card in my life, decided to get onto this "credit building" train. I used Noddle card match service which offered me Aqua Reward as a 100% chance card, so I went through them to the Aqua page where I got instantly accepted, and they said they will post…
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Interest
Can I ask a question I have a Virgin Credit Card which I got 18 months interest free my 18 months is up because they started charging me interest so I payed it in full at the beginning of the month . I have since used the card again got my statement and they have charged me interest , when I contacted them and asked them…
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Need advice on Revolut card payment issue
Hi all, I’m after some advice on the following. I’ve used the Revolut currency card for our Florida holidays over the last couple of years. Yesterday a transaction appeared on my statement relating to a purchase in August 2016. Unbeknown to us the purchase had not been deducted at the time due to an error with Revolut’s…
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Aqua for newbie credit building, any good?
Hello, I've never had any form of loans or credit cards, as I've always paid for everything with my debit card, even bigger purchases like tumble dryers, flights and so on. All my bills have been paid by direct debit without fail, and I've never owed anything anywhere, so I've always assumed that my credit rating would be…
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Best 0 % card at the moment - small limit for fuel etc to boost credit score
Hi all, I have got myself debt free, well apart from a £200 overdraft, all loans are paid off, old credit cards (x 2) were cleared off and closed mid summer this year, I dont have a mortgage but I am looking to apply for one soon. I have a good credit rating (9 positives but 1 negative) the only negative being that I dont…
