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GRRRR!Turned down..but why..?
I've just applied online for a halifax CC and have been turned down,but dont know why. I have a mortgage,never missed a payment,a CC with Egg,never missed a payment-in fact over pay to keep balance down.Homeowner on electoral roll I have been with my bank for 20 years+..Full time employed with a good wage. In fact I was…
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Credit score anomaly?
I am faced with a total anomaly and would be very pleased if someone can explain. Even though I had a very bad credit score I applied for a current account which was with Norwich and Peterborough and was very surprised when I was given a £500 overdraft facility, the member of staff advised me that I had a good credit…
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Can i change Capital one cards?
Hi.I currently have a Capital One Platinum card but am interested in the new cahback card that they are doing.Could i change to that card easily or do they allow you to hold two Cap One cards at the same time?.........Thanks in advance.Neil
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0% interest on spending
I have just got the Halifax card with 15 months interest free spending, but as a complete novice can anyone tell me if this includes spending abroad? Or will I be hit with big charges?
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How many applications is 'acceptable'.?
Just a quickie but what would be considered an acceptable amount of applications over a period of time before any real damage is done to a creditfile..? For e.g 1 CC application per 6 months,6 applications max over 6 months..? Ferry
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Payment Dispute
Hi I recently hired some skips. I was told the last occasion that they needed payment upfront. When the skip was collected, my wife was asked for payment (she didn't know I'd paid). I've now had my credit card bill, and I'm obviously out of pocket. I've contacted the firm to ask for a refund, but they're dragging their…
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WARNING - Thieves Bypass Bank Card PINs.
Bank customers who have had thousands of pounds stolen from their accounts have been refused compensation on the basis they did not safe-guard their Pin – even though it can be easily bypassed by fraudsters. At Natwest, £250 was withdrawn from a cash machine and a further £1,800 in an over-the-counter transaction – but the…
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Advice on 0% Balance Transfer
Just looking for a bit of advice. I have a balance of around £2500 on my MBNA Platinum Plus card. The 0% on purchases is due to run out next month so I was looking for a good deal to transfer the balance to another card without incurring any BT fees. I wouldn't be looking to buy anything on the new card as I'm happy with…
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Getting cash back - read ALL the small print
I have just tried to get the 'Cashback' I have earned on my credit card but found out they will only pay that in blocks of £15. As I have moved to another card with a better rate, (recommended byMSE) it looks like I will lose £11 (I had £41 cashback) I appreciate this will be documented somewhere in the small print but I…
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help help help
I have been unwell for over two years now, and although i have never falted on our mortgage or any untily bill, i have four credit cards totaling £9000, but i am being late with payments in the last 5 months so am being charged left right and centre, the payments are due again now, and i owe last months as well so its even…
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Help, credit card virgin!
Hi, My I am a sole trader and make handmade goodies and previously sold on ebay and used my business visa as a registered card to sell and be paid through. Last year I had my bus visa details stolen and someone ran up £2000 on my bus visa card. It all got cleared up quickly but now I don't know what to do to sell my…
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Natwest for balance transfer
Hi, I noticed on best balance transfer cards Natwest aren't listed, is there any particular reason for this? They are offering 0% BT for 13 months with 2.5% fee. Are there any potential problems with this card, i.e.: Who its run by? Hidden costs? Harsh credit scorer? Any help appreciated, cheers.
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Cancelling PPI on Capital One CC
I have a credit card with Capital One. I have been a stay at home mum since April 2006. Can I cancel my ppi with capital one by just writing to them? Thanks
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Settling CC's at once
Hopfully soon i will be selling my flat and making a tidy sum of profit on it. I plan to clear the debts and rent for 6 months to sort myself out. My question is, if i approach my CC companys saying i can settle now or keep paying monthly, will they give me a lower settlement figure? I know it sounds stupid as they make…
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Any CC that let you set the minimum repayment?
Hi Are there any credit cards that give you the option set your own min repayment? I am looking for a 0% card offer with this aswell. Cheers
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More than one Citi card?
Can anyone advise whether Citicards allow you to have more than one of their cards? I am using a BMI Baby card for stoozing but would like to get my hands on the Shell card for petrol & general purchasing.
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paying off loan with credit card
we've had a loan for 15K over 25yrs now for 2 1/2yrs. In this time we still owe as much as we borrowed! Looking at getting a 0% CC to pay off the loan. What would be the bank transfer sum to pay off the 15K? what would be the minimum monthly repayment on the CC? Anybody currently paying off there loan this way? Advice…
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Help needed if possible.
Hi, please excuse me if i'm posting the wrong thing here but im new and in need of help, any advice is much appreciated. 3 months ago i bought a car on my credit card to the value of £3000. We have had nothing but problems with the car since we bought it and now it is back at the dealer we bought it from who is refusing to…
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Getting CC companies to write off some of your debt for an up-front payment?
A friend forwarded me a quote from a book called "The Rules of Wealth" by Richard Templar: "I have a friend who wrote to all his creditors and offered them an immediate payment of 50% if they would write the debt off - this included all his credit card people. Surprisingly every single one of them said yes and he took out…
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Thinking of applying for a Halifax card
Could I have some advice here please..? I'm considering applying for a Halifax 0% deal CC.I am already a Halifax customer with an Ultimate Reward Account. When I applied for the account I was credit checked-this was about 6 months ago. Does anyone know if another credit check would be carried out if no circumstances have…
