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credit card taken out in my name by ex-partner advice needed
My ex-partner took out a credit card in my name, used it and ran up a bill of £4000 I only discovered this after we seperated,I know have to repay this debt that I have been left with, ive apporached my local constabulary they took a statement from me and I provided evidence as to the usage of the card whilst I was at…
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Late charges
im not sure if this is the right place. basically i have a halifax credit card i have paid alot of late payment charges on this account 12 pounds everytime (late payment fees, etc). i also have a few catalogue accounts aswell (kandco, very, gratten) which late fees have been added too. i would like to claim all the…
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Barclaycard has a sense of humour
Email just received: As this email appears to be a circular letter, I would guess a few other people have been getting this too.. *June, July, August, September, October, November, December and January FYI
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credit card cashback simple question?
quick and simple.. when is the cashback awarded? is it straight away after purchase? or does the card have to be credited for some time (if yes how long?) let's say I have 500 pound limit on my card and can get 3% cashback does that mean my limit is 15 pound a month? or can I maximise it by paying it off let say every week…
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Credit report: I don't want to leave too many footprints
I'm interested in getting a 0% credit card, for the purpose of stoozing. My credit rating has had tiny bit of bashing (victim of ID fraud, equals varies credit searches and credit accounts opened) which I am in the process of sorting out. I'm not in any form of debt, I have savings, and I rarely go into my overdraft, that…
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Stoozing Newbie
Apologies if I'm over simplifying here, but I'd like to take advantage of my "good name" in CRA terms to take advantage of a 0% on purchases credit card, for example the Tesco card. http://www.tescobank.com/personal/finance/finance/creditcards/clubcc/index.html?cmpid=aggregator/moneysupermarket/creditcard/clubcard I would…
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Tesco Credit Card - Repeat Deals?
The 0% period on my Tesco credit card recently expired and I paid it off in full. I am considering closing the card, but wondered if anyone has experience of Tesco offering any decent repeat deals?
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Advice on keeping/closing cards
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The usage of your available credit indicates a higher risk
After closing virgin money account, I received a negative indicator on my credit report: "The usage of your available credit indicates a higher risk" I thought closing an unused account might have a positive impact and allow me to get more credit. But it has back fired. Has anyone else experienced this? What ratio of debt…
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Buying $1 bills
Apologies before I start re posting this here but I cant find any appropriate forum !. For an upcoming holiday cruise I need to take cash for tips. I normally buy my holiday money on line from wherever MoneySavingExpert suggests is the best deal but I cant order specific denominations, I have to have what they send. Can…
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Time to balance transfer, not sure if it's even worth it
I'm fairly new to the stooze party and haven't played it "properly" yet. In the last couple of years I have used two 0% cards (CapitalOne first then Tesco) for purchases, put the equivalent cash into an ISA for the interest, then paid the cards off in full when their 0% interest periods come to an end after 12-18 months.…
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Close Accounts or not?
Hi One of my Credit Card has come to the end, have paid off balance from stooze pot. Now the question, should i close this account? Or leave it open with a reduced credit limit? Cheers
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Advice credit card debt
I've been paying off two credit cards each month now through a management plan I set up. Id like to pay these off, I have some cash but it isn't quite enough to cover both, can I ask the companies to reduce the amount o owe to clear the debts?can
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stoozing have i done a stupid thing ?
Hi i am starting my stoozing jouney,, so i can save intrest on my morgage, any way i appied for my 1st credit card in a while and then 2 days later appied for my 2nd. !st one said i was excepted and to wait 10 working days to check the information was correct (nationwise ) 2 days later just appied for( halifax) one and…
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Credit report
I had an Asda mastercard till they swapped Santander for a different bank and when I applied for new card I was turned down because I didn't meet the credit criteria. Sent for my report (which is not easy to understand) from Equifax and there is, as far as I can make out, nothing bad on it, just online enquiries re car…
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comet
i was wondering if anyone could help me. i bought a laptop from comet 6 months ago and took out the insurance for accidental damage. on the friday before they went into administration my daughter broke the hinge on my laptop thinking it was ok i sent it off to be fixed with comet that was 2 and a half weeks ago i have not…
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First time stoozer - need advice please...
I've got an MBNA card and have just received an offer of 13 months 0% (with 3% fee) for transfers into a bank account. Not sure whether this is a good thing to do. Firstly, and the big issue for me, is will using this offer be shown as a cash advance on my credit file? If it is then surely this would be seen as a really…
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Cards accepting credit balances?
Hi all Used to do lots of stoozing during the credit binge ... extraordinary times ... but since '08 things went very quiet. Have now been offered the latest Barclaycard deal (22 months/1.45% fee) which I thought, great ... off we go again. However, I always used to do the first Balance Transfer onto an Egg Money card, and…
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Stoozing Guide Line
I only used credit cards if I can pay back in full monthly but do take advantage of new cash back offers that come available and I currently have three cards on the go. When the bonus cash back dates end is it better (for my credit history) to close the account or just keep the cards and don't use them? Any advice…
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Tesco CC & Travellers Cheques
Hi All I was wondering if anyone has used travellers cheques to snooze from the Tesco Clubcard Credit Card. If I have read it correctly you can use your card to create a purchase on tesco travel money. Sterling Travellers Cheques have a 1.25% commission. Whilst it is treated as a purchase it is deducted from your Cash…
