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How can I protect myself when buying online?
As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.
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 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.
Will I get charged Late payment/Overlimit fees?
All credit cards charge you if your payment is overdue.
How do I use Credit card cheques?
When you receive your credit card, you will also receive some credit card cheques in the post.

I Have Been Turned Down For A Loan Or Credit Card, Will I Still Be Able To Get A Mortgage?

If you have been turned down for a credit card or loan, then you need to find out why your application was rejected before you apply for a mortgage.

Every lender has different criteria and many more factors are taken into account when applying for a mortgage – such as your salary and ability to pay. It may also depend on who you applied for your loan or credit card with. If they are a lender who will not consider anyone who has any black marks on their credit history, then you may still find that another high street lender would have given you the go ahead for the credit card or loan.

Find out which credit reference agency the credit card or loan company used, and contact them to see a copy of your credit report. You will then be able to ascertain what the problem is, fix it if possible, and then use that knowledge when you apply for your mortgage. For example, if you can amend your credit report then you will be free to apply for a mortgage with any lender. If your credit report retains the ‘black mark’ then you will need to apply to a lender which allows those with a bad credit history to borrow from them, and accept the slightly higher borrowing charges. Once you have been paying your mortgage for a few years your credit rating will have returned to normal, and you will be able to remortgage with a regular lender at normal, competitive rates.


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