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Credit Report - This can't be right?
Hello all, Some years ago I bought a car that I was running as a company car. I opted out of the company car scheme and had a cash payment instead. Although the monthly repayments were high, I could afford it as work were effectively paying the HP for me. Then, the company went bust... I ended up handing the car back after…
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Oh dear - PayPal to start a credit card
Yes its true, according to the Guardian. Oh dear. http://money.guardian.co.uk/creditanddebt/creditcards/story/0,,1752171,00.html?gusrc=rss
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Application for Credit Card
Hello, I am a former debtor of MBNA. I (eventually) settled my debt some 3 years ago and would very much like to rebuild my credit rating. Now apparently one of the ways to do this is by getting a credit card, which could prove, um, problematic. So what I would very much like to know is is it feasible to expect a credit…
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cancelling an application and submitting another
ive just applied for the 9 months interest free charity card as im about to purchase some stuff for my flat.... then notice theres a 12 month free card sprung up with somerfield (or sainsburys, i forget) anyway i have an excellent credit rating but im not sure whether this will take a hit if i cancel one application. or…
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Best way to tackle my debts?
Need advice on the best way to tackle my credit cards debts. I have : Halifax One card 0% till Oct 06, balance of £1755 (limit £3100) RBS Classic card 16.9% APR??, balance of £238 (limit £3100) Egg card 15.9% APR IN credit £4.94 (limit of £3000) Overdraft of £1800, which regularly gets up to this limit, on a barclays…
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Payment protection
Hi there, Does anyone know if it's possible to cancel payment protection on a credit card, Cause at the mo, paying that on top of the interest, all because i didn't transfer the balance on to another card, so it feels like your not making a dent in paying off the card, which i no longer use. Babyroo
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Barclycard 0% problem
I applied just when Martin said to in order to get the good deal. I recieved a letter from them yesterday (though they dated it 05 April 06) saying that they can't give me the deal that I applied for but can give me an "Initial Barclaycard Barclaycard with a purchase APR of 24.9% (variable). That isn't the problem, the…
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CC Extra Incentives?
Which credit cards also give you extra incentives such as extra guarantees on purchases like Barclaycard USED to do?
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Current account searches
Nope, not the wrong forum - this is a point relating to my cards. Last June, a 'current account' search was performed on my Experian record - it was for an Alliance and Leicester account that I was applying for but didnt actually open. Its main selling point was an overdraft, though this is not recorded on the search. Is…
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save or pay off debt?
At the end of the month I have £300 to spare. Should I use this to overpay my mortgage or should i put it into a regular seavers account and then use ths to pay off some off my mortgage when this comes up for renewal. My mortgage is with nationwide and about 5% can overpay by £500 a month wth out any charges.
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Credit Limit Too Low on New Card
Hi all, I have around £2500 on a credit card, I have been moving this around to take advantage of 0% offers and haven't paid any interest on it. Recently I went for a Post Office credit card - they were only doing 0% for six months but they weren't charging a balance transfer fee (which would have cost me around £60) like…
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pathetic barclaycard limit
Hi I applied for the 0% barclaycard, and have two other cards with £7000 on each am in the process of cancelling my m and s one, when barclays came through at £670, thats neither use nor ornament so I havent activated it yet, does anyone know if i call them and ask them to up the limit wll they???? cheers!!
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Livid with HSBC!
I have just spent 20 minutes on the phone to HSBC trying to double check when my 0% deal ends. There is no information on my statements. When I called, the guy I spoke to assumed it was a 6 month deal, I queried this beleiving it to be 9 months so he adjusted the date. I said I didnt want to be rude but it sounded like he…
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new card credit limit + should I now dump Barclaycard
Just got my new nationwide card in the post, I bank with them and they gave me a gold card but why is my limit only £3500? My sainsbury platinum was the same, is it there way of upgrading you on the the posher card to make you think you're special? As far as I can see £3500 is nothing to shout about I had £12500 on my old…
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Credit card woes...
I got myself a Virgin Credit Card last September, and transferred my balance from my old card across. I then topped the balance with purchases for my wedding next July. Since I had a chunk of savings in a Mini Cash ISA, I then contacted the ISA account by letter to transfer £900 to my Virgin Credit Card account, thereby…
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Capital one
New deal then, 15 months 0%, best for a while.. shame they charge 2% for bt with no limit. ps. I have never used this crowd, views please.. also, they told me they would take a bt from TSB ETC, as they are independant of anyone.. wonder if they also take MBNA etc cheers
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Tesco credit card & clubcard points question
I have already asked this in the forum which invited questions about Clubcard points but got no replies so I thought I'd try here.... Which is better to have in terms of what you get back? A 1% cashback credit card (which I already have and which has no end date for the 1%) or a Tesco credit card for which you get clubcard…
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when to pay the full balance?
Hi, Having a bit of a bone moment here. My Tesco CC 0% on purchases ends on 6th May. In order to avoid any interest charges, should I pay off what I owe them on/before that date, or can I just pay the balance in full on the next payment date after the 6th May and still avoid any interest charges? I suppose I am wondering…
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0% for 10 months with Barclaycard
Martin's tip of 29.3.06 included Barclaycard's 0% for 10 months offer, which closes 28.4.06. You have to go to a special Url rather than the Barclaycard website. I've applied and all's going through, but my dad wants one too! Thing is (due to office move, crashing inboxes and general administrative mayhem) I've lost the…
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First Credit Card
Hiya Folks! I am saving up to buy a house next year and would like to apply for a credit card to build up my credit rating. I am on the voters in shared rented accommodation.Will credit record of my flatmates affect my application. The home phone is not in my name, will this affect my application The Credit Card Forms want…
