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Hot Topics
- What is credit scoring?
- Most of the major credit card companies use their own credit scoring systems – normally but not always in conjunction with a credit rating from a credit reference agency.
- How is interest calculated?
- Interest is calculated on a monthly basis on the outstanding balance if full payment has not been received.
- How can I pay off my balance?
- There are number of ways you can choose to pay off your credit card balance - either by Direct Debit, by Debit Card over the phone, by bank transfer from your bank or by cheque.
- Can I Have An Additional Cardholder On My Account?
- You can have one or more additional Cardholders on your credit card account with most companies.
- What is the new Chip and Pin system?
- The new Chip and PIN initiative is a system being introduced in the UK in 2004 to reduce counterfeit and stolen card fraud.
How do I contact the Credit Reference Agencies?
You can request your credit report online, by phone or online. It costs £2 for a copy of your statutory credit report. Here are the details for the three main credit reference agencies.
To contact Experian:Experian Limited, Tel: 0870 241 6212 |
To contact Equifax: Equifax Credit File Advice Centre |
To contact Call Credit:Consumer Services Team Tel: 0113 244 1555 |
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