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Best free credit check?
what is the best free credit check in peoples experience? anything to watch out for? (apart from making sure you cancel before the trial expires!) thanks
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Best CC to apply for?
Hi All, I want to ask some advice before i apply for a credit card. I want to get a credit card. I dont want to have a huge credit limit on it though - about £250 if possible, mainly to use it for shopping online and it can be paid off straight away then Im only 22 (dont know if that matters) can anyone give me any advice…
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Tsb Trustcard
I have an old TSB Trustcard (credit card) that I intend cancelling as I do not use or need. I do however have 500 odd plus points but cannot find anywhere to tell me what I can use them for. I know there is a phone number to call TSB, but was wondering if anyone had a web page link which could give me the current offers…
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Card chargeback question
Hi, I paid for an expensive piece of musical equipment and the company has simply given me awful service. I haven't received it after three weeks (despite offering 1-2 day delivery) and I really want to just get my money back immediatly. I've asked for a refund but no response as of yet, but I really don't want to wait…
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£33,000 in debt IVA or bancruptcy HELP
I owe £33,000 on 6 credit cards it has got to the stage now when im late on a lot of them. I just cant keep up with the rising payments. I was wondering should i go and see cit advise bur about it or go to one of the iva places about a iva. Could anyone tell me the advantages or disadvantages of a iva. Or does any one have…
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Only chip & pin?
Hi, I have just joined the forum although I have been coming here to read advice for a long time. I have recieved my Quidity pre-pay maestro card from the Mirror so at last I can do online shopping. I noticed though that it isn't a chip and pin card. Does this mean that I won't be able to use it in shops or do they still…
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Barclaycard 3% cashback a lie?
I applied for a Barclaycard because I was sent a brochure saying it will provide 3% cashback on supermarket food and petrol purchases. At that time, it seems great because I shop regularly at ASDA and getting 3% cashback on that is great! So when I got my card, I happily spent about £60 on Barclaycard thinking I'll get…
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egg credit card for overdraft
hi again. i want to clear a £1500 overdraft i have.i want to use a 0% balance transfer card to do this.i notice most cards only let u transfer the balance from other credit cards. ive seen the egg credit card,this says its 0% for balance transfers and charges 2.5% they state that you can balance transfer from an overdraft?…
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Late fee on Lloyds Credit Card.
I have incurred a late fee by 2 days of 12.00 on the above account. However is was still within the statement date but obviously not received by the payment due date. My question is when details are sent through to a credit reference agency does this show the payment one month in arrears. The advisor I spoke to said it…
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Help with raising £15K
Is there anything wrong me applying for a couple of credit cards to raise 15K? As long as * I can keep up the payments (Should be able to - in fact can) * As long as people will lend me the money. I am looking to repay the total debt over 5 years MAX and have it in my head that I will require 5 cards of £3K each. Making…
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HSBC Credit Card - dodgy transactions TWICE!
Back in September I spotted a transaction that I didn't recognise on my HSBC credit card statement. Someone had managed to use my card to subscribe to a 30 day trial on a US web site for $29.99 but as I had been on vacation in the US during June I suspected that maybe someone in a store or restaurant over there had taken…
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how do they work these CC
hi again. looking for a little advice. i currently have a 8k loan that im going to start paying off,i also have a £1500 overdraft that i am going to get rid of,ive posted another thread about my plan to put my overdrat on a 0% CC and pay it off that way,would my credit rating improve as im getting a credit card?ive never…
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Transferring debt and overdraft to new CC?
Hi everyone First time poster on this board, so be gentle! I want to transfer £3.5k of debt (made up of existing credit card and overdraft) to a credit card. I've realised not every credit card (e.g. HSBC/Virgin) will transfer a current account overdraft, but wondered if anyone knew a good credit card for this. I know egg…
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credit card to pay off over-draft good idea?
hi there. im currently in my overdraft by £1500 im gonna start throwing all my money at this to clear it.at the minute i consider myself to have good crddit history,ive never been late or missed any payment.the only bad thing i would say is this overdraft,that i ended up going in via a las vegas strip club whilst on…
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M&S More Than Card Question
OK, I currently have about £600 on my CC. I'd like to move it, and think the M&S card looks like a good bet. I have a good credit history, but not a good employment history - I graduated this July and am currently working in Next. I'm only employed part time too. I have 2 questions really 1. What are my chances of being…
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Increasing a credit limit
Hubby has the Natwest Platinum and the Mint card which are due to run out of their 0% deals this month. Despite trying to get another 0% deal before now, we've been unsuccessful however we've now secured a 0% deal with Morgan Stanley. The plan was to move the debt with Mint onto Morgan Stanley and then in January move the…
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Barclaycard - Tiny Computers/Time demise - refund of warranty
I was wondering whether anyone has succesfully claimed back from Barclaycard, the warranty costs under section 75. Consumer Credit Act 1974. Using my Barclaycard credit card, I purchased a computer from Tiny.com Computers with 3 year Totalcare plus warranty.Tiny/Time have since collapsed and the warranty is now of no use.…
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Nationwide not yet showing credit
On my Nationwide Cc my bill is due to be paid by 2nd december, on Thursday I went into branch, and paid in £90 yet, checking on Nationwides Internet Banking, it does not show this credit, I am 18 and this would be the first bill from N/W, a non-payment mark on my credit record would be cripelling Is this any cause for…
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Best 0% card for urgent pruchase?
My computer is having a (rare) sane few moments so I can post this. Simply, my laptop has become horribly moody and can only get worse. The problems are that it is old and physically dodgy. The faults would cost more to fix than this machine is worth! Since I really need a working laptop now I am thinking of going to John…
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Barclaycard ANNOYED
Hi, I recently requested to be upgraded from my Student Barclaycard to the Graduate Barclaycard. I phoned up and was later approved and my online Barclaycard statement shows that I have a Graduate Account. I was expecting a new card through the post but one didn't come so I enquired as to what had happened, and was told…