{"id":15522,"date":"2016-06-05T13:00:32","date_gmt":"2016-06-05T06:00:32","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/an-old-cashplus-prepaid-card-has-ruined-my-credit-rating\/"},"modified":"2016-06-05T13:16:33","modified_gmt":"2016-06-05T06:16:33","slug":"an-old-cashplus-prepaid-card-has-ruined-my-credit-rating","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/an-old-cashplus-prepaid-card-has-ruined-my-credit-rating\/","title":{"rendered":"An old Cashplus prepaid card has ruined my credit rating"},"content":{"rendered":"


\nAdvanced Payment Solutions applied a \u2018credit booster\u2019 product to my card \u2013 now my rating has gone from excellent to very poorI\u2019m writing to you as a last resort. In 2014 I ordered a Cashplus prepaid card from a firm called Advanced Payment Solutions. I wanted to use it for holiday spending abroad.Investigating a mortgage for a new home last year, I found that my credit rating had gone from excellent to very poor. After reviewing my Experian file I could see five late payments of \u00a34.99 registered by APS. This was confusing as the card was a prepaid card only and would only ever hold money that I had transferred to it … or so I thought. Continue reading…
\n
\nSource : theguardian.com
\nRead more…An old Cashplus prepaid card has ruined my credit rating<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Advanced Payment Solutions applied a \u2018credit booster\u2019 product to my card \u2013 now my rating...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-15522","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-42m","jetpack-related-posts":[{"id":14672,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/travel-money-or-pre-paid-currency-card-which-is-best\/","url_meta":{"origin":15522,"position":0},"title":"Travel money or pre-paid currency card: which is best?","date":"June 16, 2012","format":false,"excerpt":"\r Holidaymakers should read the small print on prepaid currency cards carefully \u2013 any savings can soon disappearPrepaid currency cards are, their promoters claim, safer than carrying cash, give holidaymakers better exchange rates and are cheaper than using a debit or credit card abroad. But beware the small-print charges that\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":35030,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/ms-bank-asked-me-for-personal-details-but-the-letter-looked-like-a-scam\/","url_meta":{"origin":15522,"position":1},"title":"M&S Bank asked me for personal details, but the letter looked like a scam","date":"November 20, 2016","format":false,"excerpt":"\r The return envelope wasn\u2019t even addressed to the bank and I didn\u2019t want to send sensitive information in the postMy wife has had an M&S Bank credit card for more than 12 years and I am the second card holder. This week she received a letter asking me to\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":24126,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/ive-got-600-in-an-australian-bank-but-cant-get-it-out\/","url_meta":{"origin":15522,"position":2},"title":"I\u2019ve got \u00a3600 in an Australian bank but can\u2019t get it out","date":"August 27, 2016","format":false,"excerpt":"\r I bought a prepaid travel card from the Commonwealth Bank but it is refusing to let my daughter withdraw the remaining balance for meI have been a Guardian reader for more than 70 years and am hoping you will be able to help me. My daughter lives in Australia,\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":75373,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/halifaxs-incompetence-has-left-me-with-a-poor-credit-rating-for-months\/","url_meta":{"origin":15522,"position":3},"title":"Halifax\u2019s incompetence has left me with a poor credit rating for months","date":"December 28, 2017","format":false,"excerpt":"\r A system error at the bank means my card applications were recorded as \u2018hard searches\u2019 on my credit historyI applied online for a credit card with Halifax, which failed because of a \u201csystem error\u201d. Halifax said it was a temporary fault and I should wait a few days and\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10864,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/debit-card-firms-cash-in-on-digital-pocket-money-for-kids\/","url_meta":{"origin":15522,"position":4},"title":"Debit card firms cash in on digital pocket money for kids","date":"July 3, 2014","format":false,"excerpt":"\r Children's pre-paid cash cards can be handy but we risk creating a generation of mini-consumersShould children as young as eight be allowed to have their own MasterCard so they can shop online? TV presenter Davina McCall is endorsing a prepaid debit card launched this week that youngsters can use\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":59615,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/booking-a-holiday-take-flight-from-travel-website-fly-co-uk\/","url_meta":{"origin":15522,"position":5},"title":"Booking a holiday? Take flight from travel website fly.co.uk","date":"January 27, 2014","format":false,"excerpt":"\r It charged me a \u00a3100 fee when I tried to book onlineI recently tried to book a flight through a website Fly.co.uk, but decided not to go ahead when I found that bookings can be made directly with the airline (in this case BMIBaby) for Aus$800 (\u00a3430) less \u2013\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/15522"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=15522"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/15522\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=15522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=15522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=15522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}