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Any advice about the RBS Classic Mastercard
I just applied online for one of these cards and was accepted. Problem is they only gave me a £1750 limit which isn't enough as I wanted to transfer a larger amount. Has anyone been given a low limit with one of these cards and been able to negotiate a higher limit after receiving the card? I thought there was a good…
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Only use credit cards if your rich?
Rant over. :rotfl:
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credit card on benefits
please help me with an arguement im having with my mum she is on benfits and now her 6 years are up lol and all defaults are not on her report she says that she wants a CC (mad woman) to start to repair her report i keep telling her that she wont get one as shes on IS but she reckons she will surely the CC arent that…
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balance transfer offers for existing customers
Anyone know of any decent Balance Transfer offers for existing customers.
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New 'disposable' credit cards
Hello all. I don't have credit cards anymore as I ruined my credit rating when I had a longterm illness and couldn't repay my debts. When I really need a credit card to say book a hotel or flight over the net or buy something I can't get elsewhere on the net, I now use the new breed of disposable credit cards that you buy…
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Robbing peter to pay paul? solution - maybe
My IFA has just suggested that I switch my repayment mortgage to interest only this would save me £150 a month for a year to pay back credit card debts. Is this a good solution? I think so :beer:
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Cahoot flexible loan increase
I just received an email from Cahoot telling me that they are increasing the rate on my flexible loan from 14.9 to 19.9%. And before anyone jumps in and says "why don't you just transfer the debt?" -- don't you think I would if I could? For those of us fighting to regain control of our finances, this is yet another example…
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Query regarding payments after balance transfer?
I signed up for a balance transfer credit card via an advert on https://www.rangers.co.uk / MBNA that balance transfers were interest free for a year... I was in the market to consolidate a store card and credit card to give me some breathing room as finances were getting a bit tight! I'd always understood that when you…
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Please Help!!!! Rate increase
MBNA has just up my rate from 15.9% to 27.9% after i made a phone call they reduce it to 22.9% this i feel is daylight robbery can't switch as split up with partner and short of cash any suggestion would be grateful accepted. If i write to them does anyone think it would make any different or would they just tell me to…
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bankrupt credit card
Hi, does anyone know if u can get any credit card once u have been bankrupt? It was my ex partners fault but all debts in my name. I was discharged dec 2006.
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Ahhhh, M&S transfer £47.50 instead of £4750
:mad: My wife was on the phone 30 minutes trying to activate her new card at the star of the month. The advisor just didn't seem to have a clue what she were doing. Firstly she only took 12 numbers of the card instead of the 16 required, then told my wife she had given her the incorrect details even though my wife was…
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£12 late payment charge from Barclaycard
Reclaiming bank and credit card charges has been well publicised, I think Martin started it all. I missed my barclaycard visa payment by a couple of days and have had probably 2 or 3 late payment charges at £20 in the last 6 years. They have now reduced this charge to £12 but I am still not happy with this considering the…
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Morgan stanley credit card interest charge
Hi I have recently got a morgan stanley platinum credit card for the cash back they offer. I had a monthly bill of 944.80 which i had used for work expences and private use etc. I added up what i had left to pay (after the work expenses cheque had been sent off) and sent a cheque off to clear the difference. Unfortunately…
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Regular credit card payments flagged as fraud
I keep getting some regular credit card transactions flagged for possible fraud. One is a regular payment to Microsoft of all people. How stupid! I have been making this payment for 2 years now, several times per month and it still gets flagged for fraud. Same thing happens on other regular payments I have. Is there any…
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Newbie to Credit Cards, a couple of questions
I applied for my first credit card from HSBC a about three weeks ago and sent off all the signed paper work two weeks ago yesterday but still have received my card yet, is this normal? It's only taken them three days to send through my new cheque book. Should I be phoning them up and hassling yet? Also, before I applied…
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Reclaiming Credit Card Charges On A Defaulted Credit Card
Can i do this? I was with American Express, and they ripped me off chronic. They ended up sending me a letter, saying i had 10 days to make a minimum payment; but the letter arrived 7 days late. They wouldn't entertain the fact it was late, and after a long battle involving the CAB, i eventually cleared the debt via a debt…
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HSBC Move the Goalposts, but I win!
I just received my new HSBC credit card with 0% for 12 months on all balances transferred in the first 30 days, with a 2% fee. Applied for the card in April, but was surprised to see when it arrived the Introductory Rates have changed to 4.9% for balance transfers until 31/12/2012 with a (higher) 2.5% fee (no mention of 0%…
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Mis-information on paying off credit card balance
I phoned my Credit Card company to pay the balance outstanding on 21st April. Asked to operator what was the final figure to clear the amount outstanding - was given a figure which I offer to pay off on the phone but was told I had to pay it at a bank. I paid via internet banking on the same day. On 30th April I received…
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How do I get Goldfish to increase my limit ?
Now first off this is all my own fault. I have a Goldfish card. I used this as my main card with 10K limit up until 18 months ago. I then got a Conran card ( 10K limit ) for the cashback, and dropped the limit on Goldfish to 2K and stopped using the Goldfish card. I always pay off any balance in full each month. Since the…
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Incorrect information on credit file
Myself and Mrs The Kid are currently in the process of trying to obtain a mortgage, so thought it'd be a good idea to check our credit files. No problems with mine, but Mrs The Kid's Experian file has some incorrect entries. One relates to a mobile account with Orange, one to a Barclaycard and one to a company called…
