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Need help with credit report
I was recently turned down for a Mint card at 0% so applied for my credit files with Equifax and Experian, which have now arrived. They show that I haven't missed any payments, apart from a loan in 2003 on which we made an arrangement to pay for a few month when we got into financial difficulty and then consolidated to pay…
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I thought i had a good credit score
I thought i had a good credit score i currently owe approx. 1k on current credit card with the 0 % running out in Nov.05.I recentley applied for the capital one card with extra long 0 % balance transfer.I was knocked back for a credit score below there requirements.Their letter stated that my current financial comittments…
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Cancel CC agreement within 14 days?
HI guys, If I cancel a credit card agreement (for a new card/account) within the 14 days that I am allowed as stated in the T&Cs will the account show up on my credit reports? Basically I applied for a RBS card, in the hope to transfer a balance to it, but it came with a measly £400 limit and even after appeal they…
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Collision damage waiver
:confused: A friend of mine from work is going on holiday to America in November and has a query. I have told him that I am sure someone will be able to answer his question. Which credit card if any includes a collision damage waiver if used to rent a car in the USA ? Any help would be appreciated as he may need to apply…
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BA Amex - expenditure towards 2-4-1 no longer carried over
SHOCKER!!! Just got off the phone with BA Amex, yes it is true about the premium plus card now needing only £10k expenditure to trigger the voucher... BUT.... If you do not reach £10k by the anniversary date of your card, the balance is no longer carried over to the next year. At that point it is wiped to zero and you have…
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Super BT help required
I want to pay off a personal loan and with a credit card with low life of balance interest. Unfortunately i can only pay off the loan by cheque (not by credit card). I have got the Texaco low life of bablance interest credit card already but can't do a Super BT with it. So, I need a mule card to Super BT into my current…
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Credit Card Awards
I see that there's soon to be an awards ceremony for the credit card 'industry' (I always thought industry involved factories and the manufacture of something tangible...). It's being organised the Card Partnership, and you can see the award categories here. http://www.bobsguide.com/guide/news/11107.html I wonder whether…
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Cheapest way to spend overseas discussion
This discussion relates to the Save 6% by using the Cheapest way to spend Overseas article. Click on reply to ask a question or discuss.
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Is there a difference between Mastercard and Visa?
Probably a dumb question, but curious. Which one would you go for Mastercard or Visa?
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Word of Warning about Virgin card
Hi All, You need to keep a careful watch if you have one of these cards. I have one onto which I transferred a balance 3 months ago. At the end of month 1 I checked the online account and made a payment on the due date 5th. (Which cleared 2 days later) I received the next months statement a couple of days later which…
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New Egg card? Is it any good
Already got the old egg card, is the new one with 1% cashback and 4% interest when in credit as good as it seems??
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Trust your instincts (MBNA Cards)
Having reached the end of my 0% period on a Virgin card I have been looking to arrange a replacement. (should have set up a tart alert - next job today!) However, routing around this site I picked up that the Alliance and Leicester card was a good deal. I applied over the internet and was accepted including my BT from the…
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Transfering a CC balance onto a partners Credit Card
My partner has a credit card at 0% until Feb 06 and has been offered one from Barclays at 0% for 10 months. Is it possible to transfer a credit card balance from my cards to hers?
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Capital One 0% until 2007 - experiences on how long it takes to get decision?
Dear All I tried to apply online for the Capital One card (0% BT until 2007). Although the site says "decision within 1 minute" I was told my application would need further investigation, and it could take 10-14 days to receive a letter in the post (I have a reasonable credit history/rating BTW). It's now day 12, and I…
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Basic question regarding credit card interest
My credit card bill is now paid off in full. However, if I purchase something today on the card for say £100, and then pay that £100 off tomorrow, will I still be charged interest on that £100 when the bill comes through at the end of the month? Thanks.
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Experian Credit Report question
Hey, i recently applied for the Capital One 0% BT (upto Jan 07) and was declined for it. I decided to check my credit report online, which basically showed very little (an old bank account with Abbey and Direct debit from Orange Mobile). It had no record of me having a C/C with HSBC and two bank accounts with them or…
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Barclaycard increases BT fee
Had a letter this morning from Barclaycard informing me that from 14/11/05 as well as increasing the APR to 17.9% for purchases and 21.9% for cash and minimum interest increasing to £1 from 50p,Barclaycard will usually charge a handling fee of 2.5% on cash,travellers' cheques,balance transfers or cheques. This will be an…
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Credit report - Which one? £2 or £10?
Is the statutory report (£2) from credit agencies sufficient to determine if there has been ID Fraud or do we need to buy the £10 one?
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Cahoot webcard
Hi Ive been using the cahoot webcard for a while purchasing items over the internet without much problem. However I purchased a subscription to a website (nothing smutty but I dont want to reveal their name because it isn their fault). I gave the webcard number with a low credit limit, enought for one months subscription.…
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credit cards with cheque books
i am looking for credit cards that come with cheque books. it is mainly intended for deposits on property. i will then balance transfer to 0% deal until i have sold the property. thanks for any help.